Podcasts about budget ynab

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3128: Mark Dennis shares practical strategies for building financial habits that actually last, emphasizing the importance of values-based goals, small wins, and systems over willpower. Learn how to align your money behavior with your long-term vision through habit science and simple, repeatable actions. Read along with the original article(s) here: https://www.financialfinesse.com/2018/03/16/how-to-adopt-financial-habits-that-stick/ Quotes to ponder: "One of the most important steps in adopting better financial habits is identifying a strong, personal motivation behind the behavior." "Motivation gets you started, but systems are what keep you going." "If the habit is too big or too drastic a change from your current behavior, it's likely to fail." Episode references: BJ Fogg's Behavior Model: https://www.behaviormodel.org/ Tiny Habits by BJ Fogg: https://www.amazon.com/Tiny-Habits-Changes-Everything/dp/0358003326 Betterment (automated investing): https://www.betterment.com/ You Need a Budget (YNAB): https://www.youneedabudget.com/ The Power of Habit: https://www.amazon.com/Power-Habit-What-Life-Business/dp/081298160X Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3128: Mark Dennis shares practical strategies for building financial habits that actually last, emphasizing the importance of values-based goals, small wins, and systems over willpower. Learn how to align your money behavior with your long-term vision through habit science and simple, repeatable actions. Read along with the original article(s) here: https://www.financialfinesse.com/2018/03/16/how-to-adopt-financial-habits-that-stick/ Quotes to ponder: "One of the most important steps in adopting better financial habits is identifying a strong, personal motivation behind the behavior." "Motivation gets you started, but systems are what keep you going." "If the habit is too big or too drastic a change from your current behavior, it's likely to fail." Episode references: BJ Fogg's Behavior Model: https://www.behaviormodel.org/ Tiny Habits by BJ Fogg: https://www.amazon.com/Tiny-Habits-Changes-Everything/dp/0358003326 Betterment (automated investing): https://www.betterment.com/ You Need a Budget (YNAB): https://www.youneedabudget.com/ The Power of Habit: https://www.amazon.com/Power-Habit-What-Life-Business/dp/081298160X Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3128: Mark Dennis shares practical strategies for building financial habits that actually last, emphasizing the importance of values-based goals, small wins, and systems over willpower. Learn how to align your money behavior with your long-term vision through habit science and simple, repeatable actions. Read along with the original article(s) here: https://www.financialfinesse.com/2018/03/16/how-to-adopt-financial-habits-that-stick/ Quotes to ponder: "One of the most important steps in adopting better financial habits is identifying a strong, personal motivation behind the behavior." "Motivation gets you started, but systems are what keep you going." "If the habit is too big or too drastic a change from your current behavior, it's likely to fail." Episode references: BJ Fogg's Behavior Model: https://www.behaviormodel.org/ Tiny Habits by BJ Fogg: https://www.amazon.com/Tiny-Habits-Changes-Everything/dp/0358003326 Betterment (automated investing): https://www.betterment.com/ You Need a Budget (YNAB): https://www.youneedabudget.com/ The Power of Habit: https://www.amazon.com/Power-Habit-What-Life-Business/dp/081298160X Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2846: Alacias Enger redefines budgeting as a partnership between the mind and inner-self, emphasizing its role as a creative tool for life design. Through intentional planning, automation, and aligning spending with personal values, she demonstrates how budgeting can be a source of joy, identity, and fulfillment. Read along with the original article(s) here: http://www.mysensewithcents.com/2021/06/the-budget-ultimate-life-design-tool.html Quotes to ponder: "A budget isn't supposed to be a restriction. It should be a place where your mind and inner-self conspire to design the best life possible." "Who am I outside of this goal? Outside of my job? How is my money supporting me in developing my life in the direction of the things I value?" "Designing your life should be one of the components of a healthy budget." Episode references: You Need a Budget (YNAB): https://www.oldpodcast.com/track The Total Money Makeover: https://www.amazon.com/Total-Money-Makeover-Dave-Ramsey/dp/1595555277 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2846: Alacias Enger redefines budgeting as a partnership between the mind and inner-self, emphasizing its role as a creative tool for life design. Through intentional planning, automation, and aligning spending with personal values, she demonstrates how budgeting can be a source of joy, identity, and fulfillment. Read along with the original article(s) here: http://www.mysensewithcents.com/2021/06/the-budget-ultimate-life-design-tool.html Quotes to ponder: "A budget isn't supposed to be a restriction. It should be a place where your mind and inner-self conspire to design the best life possible." "Who am I outside of this goal? Outside of my job? How is my money supporting me in developing my life in the direction of the things I value?" "Designing your life should be one of the components of a healthy budget." Episode references: You Need a Budget (YNAB): https://www.oldpodcast.com/track The Total Money Makeover: https://www.amazon.com/Total-Money-Makeover-Dave-Ramsey/dp/1595555277 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2994: Antonia Collins explores the emotional and practical challenges of decluttering, particularly the guilt of wastefulness. She offers actionable strategies like donating, selling, and changing your mindset to make decluttering a positive and liberating experience. This article inspires readers to embrace simplicity while letting go of regret for past decisions. Read along with the original article(s) here: https://balancethroughsimplicity.com/how-to-declutter-without-feeling-wasteful-is-decluttering-a-waste-of-money/ Quotes to ponder: "The waste comes when you purchase an item unwisely. Getting rid of something unworn for years doesn't waste money less than buying it in the first place." "Shift your thoughts from a negative mindset and replace it with positive hope for the future and what a clutter-free home will give you instead." "Be kind to yourself, take power over your stuff instead of letting your stuff hold power over you." Episode references: You Need a Budget (YNAB): https://www.youneedabudget.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2994: Antonia Collins explores the emotional and practical challenges of decluttering, particularly the guilt of wastefulness. She offers actionable strategies like donating, selling, and changing your mindset to make decluttering a positive and liberating experience. This article inspires readers to embrace simplicity while letting go of regret for past decisions. Read along with the original article(s) here: https://balancethroughsimplicity.com/how-to-declutter-without-feeling-wasteful-is-decluttering-a-waste-of-money/ Quotes to ponder: "The waste comes when you purchase an item unwisely. Getting rid of something unworn for years doesn't waste money less than buying it in the first place." "Shift your thoughts from a negative mindset and replace it with positive hope for the future and what a clutter-free home will give you instead." "Be kind to yourself, take power over your stuff instead of letting your stuff hold power over you." Episode references: You Need a Budget (YNAB): https://www.youneedabudget.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2994: Antonia Collins explores the emotional and practical challenges of decluttering, particularly the guilt of wastefulness. She offers actionable strategies like donating, selling, and changing your mindset to make decluttering a positive and liberating experience. This article inspires readers to embrace simplicity while letting go of regret for past decisions. Read along with the original article(s) here: https://balancethroughsimplicity.com/how-to-declutter-without-feeling-wasteful-is-decluttering-a-waste-of-money/ Quotes to ponder: "The waste comes when you purchase an item unwisely. Getting rid of something unworn for years doesn't waste money less than buying it in the first place." "Shift your thoughts from a negative mindset and replace it with positive hope for the future and what a clutter-free home will give you instead." "Be kind to yourself, take power over your stuff instead of letting your stuff hold power over you." Episode references: You Need a Budget (YNAB): https://www.youneedabudget.com Learn more about your ad choices. Visit megaphone.fm/adchoices

You Need a Budget (YNAB) is a powerful tool that can help you manage your cash flow, save with intention, and spend with confidence. I'm going to walk you through the "right" way to set it up and use it. Or at least, MY way.

017. You Need a Budget (YNAB) | Jesse Mecham is a recovering CPA that started a company called, "You Need A Budget" (aka YNAB) while in college. His company teaches people their unique Four-Rule Method that completely transforms how they view and manage their money. When people follow the YNAB Method, they break the paycheck to paycheck cycle, get out of debt, and save more money. *** For Show Notes, Key Points, Contact Info, & Resources Mentioned on this episode with Jesse Mecham, visit here. ***   Ready to part ways with your land in Georgia? Visit our Sell My Land Georgia webpage and discover a straightforward way to say goodbye to your property!

I talk regularly about all the help I have in my life and work, and how outsourcing is how I “do it all” without really doing it all. That's why I'm so excited this week to share all about how to outsource—specifically with a marketing virtual assistant (VA). In this week's episode, I talk with guest Kirsten Graham about how to work with a trained marketing VA who takes care of video/audio editing, social media, and email marketing. We have a thoughtful conversation about: How we each outsource and some of the misconceptions around outsourcing Ideas for starting to outsource—so you can free up time to make more money How to avoid burnout How video marketing builds trust We also dig into some of the specifics of working with a marketing VA. This is an honest, fun, and practical episode you won't want to miss! Show notes: You Need a Budget - YNAB app What to do when you hit rock bottom, with Amy Mangueira  Learn more about Kirsten: LinkedIn Website Six Figure Business Mastery Podcast YouTube @SixFigureBusinessCoaching  Follow me on: Instagram @stacyennis Facebook @stacyenniscreative LinkedIn Youtube @stacyennisauthor To submit a question, email hello@stacyennis.com or visit www.stacyennis.com/contact and fill out the form on the page.

Welcome to a new weekly series we are launching on the Latin Wealth platform, Wealth Wednesday! On Wealth Wednesday, we will be discussing trending news, Latino culture and topics surrounding business, host by @chrisbelloso and @ricoramirez86. Takeaway from a Men's Mastermind:  Discover why community is everything! The accountability, camaraderie, and the shared experience create an environment where iron sharpens iron. Join us as we explore the transformative power of being part of a community that uplifts and supports each other. Mastering Your Finances in 2024: Now, let's tackle the main topics, starting with mastering your finances in 2024. Coming out of the holidays, budgeting is crucial. We'll share practical steps and insights on how to budget smarter for a brighter financial future. Creating a Smarter Budget: Practical Steps for 2024: 1. Set aside money for savings each month. 2. Autopay your credit cards for financial discipline. 3. Cut unnecessary subscriptions. 4. Track your spending with tools like Mint Mobile, Good Budget, and You Need a Budget (YNAB) 5. Increase income through strategic selling. 6. Develop a comprehensive plan for financial success. Spotlight: Latino-Owned Companies Making Waves  Jeremiah and I are excited to share two Latino-owned companies making a unique impact in their industries.  Tune In, Like, Share, and Subscribe for More Wealth Wisdom!  Hit play now and join the conversation! Don't forget to subscribe for weekly insights, empowering stories, and actionable tips to level up your wealth game. Let's conquer 2024 together!  Follow us on IG: @latinwealth Email for questions or inquiries: latinwealthpodcast@gmail.com

In this episode, MJ discusses her personal journey with budgeting and shares insights from various personal finance experts. She emphasizes the importance of budgeting as a tool to take control of one's financial future, especially for first-generation individuals. MJ highlights the significance of tracking income and expenses and recommends platforms like Mint and You Need a Budget (YNAB) for detailed tracking. She also explores three budgeting strategies: giving every dollar a job, conscious spending, and automated budgeting. Overall, the episode provides helpful tips and strategies for effective budgeting.

Financial planning in blended families can be complex and overwhelming. This episode talks through practical steps to simplify and start planning. We cover vital facets of financial well-being, including transparent money management, strategic estate planning, beneficiary designations, and the importance of tax planning. You don't want to miss the conversation Vanessa and Scott Martindale have with Tim & Alexis Woodward are Certified Financial Planners™, Certified Kingdom Advisors® and Co-Founders of Blend Wealth, a Kingdom-focused financial planning firm that serves clients virtually all over the country.Budgeting apps mentioned: You Need a Budget (YNAB)- https://www.ynab.com/Everydollar- https://www.ramseysolutions.com/ramseyplus/everydollarFaithFi - https://www.faithfi.com/ You can connect with Tim and Alexis at: Website: https://blendwealth.com/  Instagram: https://www.instagram.com/theblendcouple/  Facebook: https://www.facebook.com/blendwealth  Twitter: https://twitter.com/theblendcouple#blendedkingdomfamilies #christianpodcast #financialplanning #marriagepodcastWant to join the Blended Kingdom Families Community? Connect with us: Instagram, Facebook, YouTube, To support this ministry and help ensure that blended families around the world continue to receive biblical equipping click here: https://blendedkingdomfamilies.com/donate/ For more resources visit: Blended Kingdom Families Website

It's time to put on your CEO hat! I'm walking you through my monthly process of how I review my business in order to stay organized and wrap up each month.We're going to cover a lot in this episode, but keep an eye out for these highlights:02:37 – How I ensure that a particular CEO task gets done every month06:18 – The financial tool I use that gives me peace of mind11:30 – The 3-2-1 backup rule that you may not have heard of15:49 – A small trick that has been a game changer for me when it comes to decision-making and sticking to my goalsDiscussed in the episode:The Visibility MethodYou Need a Budget (YNAB) (affiliate link)Connect:Book a free 15-minute callJoin the Freelance Editors ClubTara on InstagramTara on Facebook

Jesse Mecham from the popular budgeting software You Need a Budget YNAB joins Spencer and Jamie today to talk about how pistol marksmanship is like personal finance, how many samauri swords Jesse would buy if he was stationed in Japan, and why you still need a spending plan if you make a $1,000,000 per year. You can sign up for a 34 day risk free trial at militarymoneymanual.com/ynab , no credit card required to sign up. Spencer offers a 100% free course on military travel hacking and getting military annual fee waived credit cards for active duty, guard, reserve, and military spouses. The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card are all fee waived. Learn how to get yours in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon at or at shop.militarymoneymanual.com. If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual or email podcast@militarymoneymanual.com.

This is a heart expanding conversation with two human beings...Dr. Zenia McLaughlin brings internationally recognized guidance to all who seek to deepen their Sacred Connection.  Offering clients direct support in clearing energetic blocks, she creates openings for expansion, vitality, and greater love to enter their lives.  Zenia facilitates a conversation with Spirit, asking each client for permission to receive the healings, teachings and lessons that have been waiting for them as they unfold into the person they are here to be.Zenia also guides those who want to see their money as Sacred and who are ready for something new to happen with their finances.  She holds an expansive and expanding conversation about money and each person's relationship to it. Utilizing the budgeting tool You Need a Budget (YNAB), she helps bring this sacred relationship into a very practical application.  Bridging the Sacred with the day to day of money, Zenia offers a systematic AND soul-centered approach to fund each person's vision.For more information about Zenia's offerings visit: https://sacredconnectionjourneys.com/ Rabbi Jessica Kessler Marshall passionately leads soul-centered retreats, women's gatherings, and weddings across the United States.  She guides participants into deeper connection with Spirit by moving beyond intellect or logic, to access soul-wisdom so their path lights up with ease, vitality, abundance, and JOY! Championing spiritual inclusivity via creative rituals, intentional reflections, mindfulness practices, and the wisdom of the natural world, Rabbi Marshall guides with humor, authenticity, and Divine presence.  Find out about her upcoming retreats and virtual gatherings at:  rabbijessicamarshall.com.A different intriguing interview with Jessica and Zenia re their spiritual partnership.

Episode 20, Courtenay Shipley Joins Us to Talk All About Maximizing Your Financial Benefits Plan  10/4/2022  Noted in Podcast:  HR HOTSAUCE “Favorite song to bring you out of a funk playlist” – Ben has added: Diggin' On James Brown – Tower of Power  Honorable Mention: Hot Chili – Steve Miller Band  SEP IRA - IRS.gov  Smorrebrod, The Best Danish Sandwich!  The War on Drugs (Band)  What Courtenay is listening to  Choiceology Podcast   You Need a Budget (YNAB) with Jesse Mecham  David Gray  Kurt Vile  Our Guest, Courtenay Shipley  Courtenay Shipley is Chief Planologist of Retirement Planology, which is a niche firm dedicated to helping employers design, manage, and oversee their employee retirement plan. Most of the time that's a 401(k). She's been doing this very nerdy thing for over 20 years and their firm has been recognized by Financial Times as a Top 401k advisor, and Courtenay as a top women advisor by the National Association of Plan Advisors. She's also the upcoming president of the national group the Retirement Advisor Council and has lots of letters after her name that indicate she's good at passing nerdy retirement plan tests.  Email Address: cshipley@retirementplanology.com    LinkedIn: Courtenay Shipley  Planology  Twitter: Planology  Our Sponsor: People Element    Understand, engage, inspire, and retain your people like never before.  People Element's employee experience and engagement solution delivers powerful intelligence, giving you the confidence to act.   www.peopleelement.com   LinkedIn: People Element   Twitter: @People_Element   Find Us:   On Twitter: @AllAboutHRPod, @TomsEngagingHR  Spotify: Spotify: All About HR Podcast  Apple Podcast: All About HR on Apple Podcasts 

Justin, an Air Force captain, reached out to ask: "How do you organize your savings accounts?" Some ideas co-hosts Jamie and Spencer discuss are using separate accounts, bucket accounts, a spreadsheet, or an app like You Need a Budget (YNAB). Automate as much as you can and make your financial life as simple or complex as you need to. Simple is usually the best option. Q&A or "Question and Answer" episodes are shorter and designed to answer a single listener question. If you have a question you would like us to answer on the podcast or just need some extra guidance and help with your military money, please reach out on instagram.com/militarymoneymanual or email mmm@militarymoneymanual.com If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon at or at shop.militarymoneymanual.com. I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3.

Adam Coelho is the host and executive producer of The Mindful FIRE Podcast, a show about creating the life you were meant to live using the tools of mindfulness, financial independence, and envisioning. He's also a father, husband, speaker, and facilitator. For the last 12 years, Adam has worked at Google where he's taught mindfulness, envisioning, and emotional intelligence to over 2500 Googlers around the world.We talk with Adam about cultivating a greater sense of awareness, the gifts it brings to our lives, and using envisioning to build a life that's uniquely aligned to YOU. He discusses a paradigm shift for financial independence that's much more about reprioritizing than retiring early. Listen in for so many juicy nuggets to inspire you to create a much more aligned life, today!Resources:Connect with Adam:

We are so excited to bring you a special episode of My Veterinary Life Podcast. We are calling these drop-in episodes the Vet Debt Sessions. Throughout the year, we will talk to veterinary colleagues about how they are managing their educational debt. Our guest today is Dr. Annah Windsor. She shares with us how and her family tackled their educational debt. We discuss what guided her decisions and how it is working for her right now. It is a fun and informative conversation, and we cannot wait to share her journey with you. Remember we want to hear from you! Please be sure to subscribe to our feed on Apple Podcasts and leave us a ratings and review. You can also contact us at MVLPodcast@avma.org You can also follow us on social media @AVMAVets #MyVetLife #MVLPodcastHere are a list of resource shared in this episode: VBMA: https://vbma.bizHealth Professions Scholarship Program: https://www.goarmy.com/careers-and-jobs/specialty-careers/health-care/amedd-scholarship.htmlYou Need a Budget (YNAB): https://www.youneedabudget.com/

Back in 2020, Janine and Shannon had a robust conversation about our passion for the budgeting software You Need a Budget (YNAB). Our enthusiasm has not dimmed in the slightest, so we wanted to run it again. Money is a source of stress for so many people. One tool that both Janine and Shannon use to help them take the stress out of money and create financial peace is the software You Need a Budget (YNAB). Shannon is a YNAB master! In this episode we discuss YNAB and other strategies for creating financial peace. (And Shannon offers to help any listener  who needs help with YNAB!) Discussion topics include: • The key to Shannon's financial peace: YNAB (You Need a Budget) software • Rule 1 with YNAB: Give each dollar a job! • How YNAB can help you manage an irregular income by creating a buffer • Budgeting for next month's expenses • Shannon's addiction to interacting with her money every day in YNAB (it takes less than 15 minutes!) • Budgeting for annual expenses monthly to eliminate big surprise payments • How YNAB can help create peace in relationships when people share money • Reading a book about YNAB vs trying it out first • How Janine is pairing YNAB and Quickbooks to help her stay on top of her bookkeeping • The peace that comes with being on top of your money • Using Undebt.it to help with debt payoff • How YNAB can help with automatic credit card payments • Shannon's offer to help out anyone who's trying out YNAB in our Facebook group • A strategy for creating a buffer so that this month's income pays next month's expenses • Making money feel supportive rather than stressful Note: Since this was recorded two and a half years ago, Janine has achieved the financial peace she sought, thanks to YNAB. She is now debt-free and happily handles four budgets daily. She is grateful for YNAB (and Shannon's YNAB mentorship) literally every day. Visit the show notes at www.gettingtogoodenough.com for links!

Parade of Techniques: 1. Two versions of a dialogue from Mike — one for using the Referral Lead Generator, and the second is for calling Expireds. 2. Here's an app/software to help you get your finances in order — You Need a Budget (YNAB). Ask the Experts: 1. “What I'm doing is not working and that puts me in a panic mode about this market. So how do I get some traction?” 2. This ATE question is from an agent doing a very expensive commercial lease, who is thinking that instead of leasing it, he should be telling them to list it. “I really think they've got to list it. How do I convince them to list it because that's not what they want to do when they came to me?” Are you ready to join R Squared? Start with a free consultation. No strings attached. Take the leap today: floydwickman.com/r-squared-coaching

Jesse Mecham, Author and Founder of You Need a Budget (YNAB), sits down to discuss the four strategies that will empower anyone to take control of their financial well-being, as well as how to eliminate some of the stresses that are caused by money. Mecham and host of #ThePlaybook, David Meltzer, chat about a range of topics including their own perspectives on the energy of money, why each dollar that you earn should have a specific “job”, and what it means to let your money age. Their pair also talk about how to align your current and future priorities with your spending habits. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Jesse Mecham, Founder of You Need a Budget (YNAB - if you're in a hurry) and dad of seven, drops some truth bombs about money and kids on today's episode. He shares his 2 cents on how and what to discuss with kids when it comes to money and we even dare to put them in control of their own. Tune in to hear how you can avoid creating little money monsters! Tiffany & I have loved YNAB and use it regularly. Try You Need A Budget Free for 34-days (no credit card required) at www.YouNeedABudget.com (We are not affiliates, just fans!) Follow YNAB on Instagram, Twitter or Youtube. Follow us on instagram.com/reroutingpod and join the Rerouting community on reroutingpod.com

Make sure next year is your most successful year yet with the timeless financial freedom lessons in the Military Money Manual, available now at militarymoneymanual.com/book The end of the calendar year is an excellent time to review your progress, success, and failures over the past year. It's also a good time to look forward and set intentions for the new year. In this episode Jamie and Spencer dissect how Jamie approaches his end of the year review and how he approaches the new year. We discuss: How to use You Need a Budget (YNAB) to quickly generate end of year reports How to track whether you're on pace to FI or need to step up the savings rate Jamie's biggest spending categories and what he wants to do about it next year Various housekeeping tasks like checking your credit report and setting your contributions to your IRAs and TSP Making sure your spending and savings goals align with your values and priorities Learn more at militarymoneymanual.com

Today we have a very exciting show. Call it what you want budget, spending plan, cashflow management. We have come up with all sorts of fancy and less abrasive ways of talking about the need to plan how we spend our money. Life is busy, and managing spending can be a challenge.   If you are like most people, and you struggle to find a way to plan your spending each month, this episode is for you.   We are going to be talking budgeting with Jesse Mecham. BIO Personal finance expert, speaker, and business leader, Jesse Mecham is the Founder of You Need A Budget (or YNAB if you are very busy and important). Jesse hosts the You Need A Budget Podcast, the Beginning Balance Podcast and is the Wall Street Journal best-selling author of, You Need A Budget. (He's nothing if not consistent!) A self-proclaimed “recovering CPA,” he is deeply passionate about teaching individuals, families, and business owners YNAB's Four Rules to help them gain total control of their money. Jesse first developed the YNAB method and original spreadsheet as a broke, newly married college student who really needed a budget. In an attempt to make an additional $300/month to cover rent, he sold his spreadsheet online and YNAB was born. Since 2004, the software has grown into a leading personal finance platform and has helped hundreds of thousands of people break the paycheck-to-paycheck cycle, get out of debt, and save more money. Now, YNAB has a growing team living and working all around the world, and has built a thriving remote culture that earned recognition as Fortune's #1 best small company to work for. (YNAB was doing remote work before it was cool!) When not teaching people how to budget, Jesse loves gardening, woodworking, marksmanship, and travel. He also spends a good bit of time with his wife and the seven small people that live in their house. To learn more, visit www.youneedabudget.com.

Get access to our free trainings for web designers and DIYers at https://shannonmattern.com/free Leave a Rating + Review! Get the full transcript at shannonmattern.com/354 Bio: Katie is a former-accountant turned entrepreneur who gets over-excited about money management systems and business strategy. She teaches women entrepreneurs how to achieve personal and business financial wellness so they're truly free to pursue their passions, not their next paycheck. Connect with Katie:   Website Instagram Katie's CFO Starter Kit! Profit First by Mike Michalowicz You Need a Budget (YNAB)

Vandaag heb ik millennial Nick te gast. Hij is ontzettend transparant over hoe zijn persoonlijke financiën er de afgelopen jaren voor staan. Hij gebruikt verschillende programma's om zijn financiën bij te houden, onder andere: Moneybird wat ik zelf ook gebruik en het voor mijn nog onbekende You Need a Budget (YNAB). Hoe zijn pensioen er precies voor staat dat weet hij niet. Tijdens zijn studententijd had hij bij horecabaantjes wel pensioen opgebouwd, maar toen hij in het rood stond had hij zijn pensioen afgekocht. Dus dat potje is in ieder geval weg. Als ondernemer weet hij dat hij nu niets opbouwt, dus binnenkort is hij van plan een rekening te openen bij Brand New Day of Bright Pensioen. In de podcast benoem ik nog kort de verschillen tussen de twee partijen. Vroeger werd Nick door een klant uitbetaald in Crypto (Bitcoin). Hij had zich er totaal niet in verdiept en liet het geld uitkeren. Achteraf, zoals Nick nu ook zegt 'als als', was het veel meer waard geweest nu. Dit had een enorme invloed kunnen zijn op zijn persoonlijke financiën. Maar Nick weet ook dat de langetermijnvisie beter is dan de korte termijn, want toen hij zelf wel begon met zich verdiepen in beleggen, heeft hij ook wat dure fouten gemaakt. Op dit moment is hij voornamelijk bezig met DCA. Zoals Nick zelf zegt slaapt hij nu beter en hoeft hij niet continue naar zijn scherm te kijken. Ik werd er trots van ;). We bespreken Nick zijn portfolio tot in detail en hebben het over het aantal percentage dat hij in ETF's, Crypto en losse aandelen heeft zitten. Ook gaan we in op welke tips hij nu heeft voor de luisteraars. Na zijn ervaringen is hij er achter gekomen om te kijken naar een langetermijnvisie in plaats van investeren in de hypes. Dat heeft hij ook gedaan en het is interessant, maar je gaat het uiteindelijk niet winnen. Daarnaast is het goed om maandelijks geld opzij te zetten. Zorg eerst voor een buffer en begin daarna bijvoorbeeld met beleggen. Tot slot gaan we in op hoe Nick zijn persoonlijke financiën in de toekomst voor zich ziet. We gaan in op welke opties hij heeft voor het creëren van een passieve inkomsten stroom. En vinden we nu uiteindelijk een gat in de markt voor hem? Beluister het.

One of the most helpful "simple systems" I've ever encountered is called You Need a Budget (YNAB, for short). It is comprised of four rules: Every dollar has a job Budget for true expenses Roll with the punches Age your money

Jesse Mecham, founder of software budgeting service You Need a Budget (YNAB), and Mark Butler, a virtual CFO who helps a businesses of all sizes manage their finances, join together to talk about the money issues many small businesses face, and strategies for addressing them. Today, they apply YNAB's four rules of budgeting to the small business, starting with Rule #1: Give Every Dollar a Job.   By giving every dollar a job, businesses can not only create reserves for unforeseen expenses and avoid cash crunches in difficult times, they can also plan more effectively for growth. Without a clear job for the dollars in your business, it's easy for business owners to fall into the trap of never thinking they have enough cash in reserve. Whether it's hiring a new employee, buying new equipment, or making some other large capital expenditure, many businesses get frozen in the mindset of thinking they need just a little more margin of safety in their reserves before making the next growth move. By giving your dollars specific jobs, as Mark explains, it becomes much clearer when to execute growth plans.   Look forward to more Beginning Balance shows every Friday!

Welcome to this special episode of WorkParty as part of our Budget Broadcast Series in partnership with You Need a Budget (YNAB), designed to educate everyone on the power of building a budget. Whether it’s starting a business, saving for a trip, or taking control of your finances once and for all, a budget (of all sizes) can help you accomplish those dreams. YNAB is the leading personal finance platform that has helped hundreds of thousands of people take control of their finances–including our guest today. In this third and final episode of the WorkParty and YNAB Budget Broadcast Series, I’m sitting down with Ashley Brooke to chat about money mindset–how to overcome common obstacles, manage money stress, and budget for fun–not just for fear. Join the party on social @workparty and stay in-the-know at workparty.com.  Produced by Dear Media

Welcome back to the Business Journey podcast! I'm SO excited to be sharing today's episode with you because I truly believe in the power of reading. Honestly, I think every small business owner should make time to read because it's just such a powerful experience and way to consume content that can change your life. Today, I'm excited to be sharing FIVE books that have been transformational for my business with you. Remember, you don't have to actually read the book to consume the knowledge - try an audio book if you can't find time to sit and read. There's so many options to get the content - so let's dive right in! Making Time to ReadLook, I get it. We're all SUPER busy people - running businesses, raising kids, and having a life. But I just want you to remember that if you read 20 minutes a day, you can finish at least one book a month. I used to believe that if I couldn't finish a chapter, it wasn't worth reading in that sitting. But now, I've learned that's not the case. Try to carve out a little time for YOU. Whether you read or listen to an audiobook, give yourself that time to relax and enjoy! Now, onto the books! Profit First by Mike Michalowicz"Profit First" was seriously transformational for my finances. This book helped me understand that the idea of having a profitable business was possible. This book teaches you how to allocate your expenses, profit, and what you actually pay yourself so that you can make money! Combined with the http://www.ynab.com (You Need a Budget (YNAB)) app and website, this book seriously changed how I look at my money! Traction by Gino Wickman"Traction" is alllll about how you structure and run your business, a concept Wickman calls "EOS". The whole book walks you through how to structure your team - and even if you don't have a team, you can learn a lot about how to manage your business. Wickman helps you plan longterm for your business, looking ahead 3, 5, and 10 years in advance so you can figure out where you want your business to go. This book truly helped me understand the WHY of my business. Rocket Fuel by Gino Wickman and Mark WintersI wasn't lying when I said I loved Gino Wickman. Wickman partnered with Mark Winters to write this one. It's a bit of a spinoff from "Traction", but it really focuses on the relationship between a visionary/CEO and their team, especially an integrator. This relationship is super powerful and "Rocket Fuel" helped me understand how to lean into and use that to my advantage to grow. If you're even considering a team or are in the beginning stages of starting one, read this book! The One Hour Content Plan by Meera KothandI have to admit that this book was a SUPER fast read but it was incredibly helpful. Kothand helps you map out a year of content, no matte what kind of business you're in. Because of this book, I had hundreds of ideas for content pieces. She honestly makes it so simple by asking questions that get you thinking about what your audience wants, and you'll wind up writing out a huge brain dump. Trust me! It's worth the read! The Miracle Morning by Hal ElrodHonestly, "The Miracle Morning" was great for my personal life more than anything but it did impact my business, too! This book really helps you outline a morning routine - one that's solid and focused. Whether you're a morning person or not, Elrod reminds you that giving yourself a sold routine will help you be the best version of you. And there you have it: 5 books that have transformed my business! I hope that you go grab a copy and dive in. Truly, I believe the chance to read through some of these amazing ideas will help you in your own business. I know it sparked a LOT of thoughts and changes for me!  Links Mentioned in Episode+ 1https://rebeccaricephoto.com/12-ideas-minis-opt-in (2 Mini Session Ideas ) + https://amzn.to/3tQwuP4 (Profit First) + https://amzn.to/3w6TI5b (Traction) https://amzn.to/3fmK33J (+Rocket Fuel) + https://amzn.to/2SG6WHx (The One Hour...

Welcome to this special episode of WorkParty as part of our Budget Broadcast Series in partnership with You Need a Budget (YNAB), designed to educate everyone on the power of building a budget. Whether it’s starting the business, going on a trip, or renovation projects at home, a budget (of all sizes) can help you accomplish those dreams. YNAB is the leading personal finance platform that has helped hundreds of thousands of people take control of their finances–including our guests today. In the second episode of the WorkParty and YNAB Budget Broadcast Series, I’m sitting down with Chris and Julia Marcum, the duo behind the dreamy home renovation, DIY project, and lifestyle blog, Chris Loves Julia, to chat about how to use a budget to plan, prioritize, and not only set–but actualize–your financial goals, and why you should start today. Join the party on social @workparty and stay in the know at workparty.com.  Produced by Dear Media

Bass-baritone Dashon Burton joins us on the Classical Post Podcast to discuss style, wellness, and his successful career that won him Grammy Awards. Serendipitously, we actually recorded this interview two days before he won the second Grammy for his work on Smyth: The Prison. Here are some highlights of what we discussed on the podcast. Style icons: Thundercat, Amy Sedaris Dream home: At least a Tesla in the driveway. The aesthetic should also be one that connects people and draws people together. Style philosophy: Style is about inviting people into your community. Product recommendation: You Need a Budget (YNAB), the Marie Kondo of budgeting. Guilty pleasure: "…nothing wrong with RuPaul's Drag Race.” What energizes him: Connecting with students who don't normally have access to classical music, as well as anyone who's curious to learn more in life. How does he define success: Success is feeling comfortable in your own shoes. Greatest career moment: Attending the Grammy Awards ceremony with his mother and sharing that success of winning with her. Learn more: dashonburton.com Remember to follow Classical Post on Instagram and Facebook. Visit our website with insightful content on classical music, style, and wellness. Hit the subscribe button wherever you're listening to this podcast to be notified of new episodes!

Welcome to this special episode of WorkParty as part of our Budget Broadcast Series in partnership with You Need a Budget (YNAB), designed to educate everyone on the power of building a budget. Whether your financial goals are aimed at booking the vacation in Europe you’ve been dreaming about pre-lockdown, paying off your high interest credit card debt, or simply starting to save for the future—you need a budget. YNAB is the leading personal finance platform that has helped hundreds of thousands of people take control of their finances. In this episode of WorkParty, I’m sitting down Jesse Mecham, the founder of YNAB to chat about how to break the paycheck to paycheck cycle, save more money, and take the fear out of budgeting so you can get to where you want to be, financially. Join the party on social @workparty and stay in-the-know at workparty.com. Produced by Dear Media

No matter where employees are in their careers, they all want the same thing when it comes to money: peace of mind. With 74% of Americans living paycheck-to-paycheck, there’s a need for financial wellness education that employers are stepping in to meet. But since the best financial advice is the kind that’s personalized to each individual’s specific situation, where should a small business start? In this episode of PIVOT,  host of the PBS show MoneyTrack and CEO of Wealthramp Pam Krueger shares the tools small businesses can use to help employees build financial wellness. You’ll hear how to meet employees where they are in their careers without becoming a financial advisor yourself, and tips for helping employees take control of their personal finances based on Pam’s wealth of experience as a financial advisor and educator. --------------------------------------------------- >>>> [07:24-10:21] Why a financial wellness offering is so important in a small business >>>> [14:19-15:04 What matters most in helping employees feel financially secure>>>>[16:43[-18:39] The key to finding tools that are low-cost and high-impact>>>>[18:44-22:16] Three categories of employees from a personal finance perspective >>>>[23:14-27:07 ] Pam’s recommended financial wellness tool for early-career employees: You Need a Budget (YNAB) >>>>[28:12-33:54] Pam’s recommended tool for mid-career employees: Betterment and Blooom >>>>[34:02-37:56]  Pam’s recommended tool for late-career employees: Wealthramp.com >>>>[40:37-44:17] Why it’s important to gather feedback from employees on financial wellness tools >>>>[44:32-45:56 ] Pam’s advice on the best place to start when offering financial wellness resources for the first time After you listen:  Subscribe to the podcast  Submit your People Ops questions  

I join Jesse Mecham founder of You Need a Budget to discuss digital mindfulness, the pitfalls of social media and endless digital content, and my own quest to find peace as a digital creative.

Some people feel that budgets can be restricting or they reinforce a scarcity mindset. While others get a sense of freedom and control with their budget.  So what's the right answer? Jesse Mecham, Founder of You Need a Budget (YNAB), joins me to discuss this debate and how people can find their individual path with budgeting.   

This week Sydney and Coty are diving into the world of creepy creatures and lore. Kicking it off with a real creature story submitted by one of our listeners, moving on to the legend of Mothman and Bloody Mary. Then we finish things up with the mysterious story of SPC-303. This week Coty also recommends the budgeting tool You Need a Budget (YNAB). Follow us on Instagram: Lets Manifest That, Coty.Dawn, Sydney Jean the vampire queen YNAB Referral Link: https://ynab.com/referral/?ref=zaN_Y-t6kaPWgORA&utm_source=customer_referral Sources: https://en.wikipedia.org/wiki/Mothman https://allthatsinteresting.com/mothman https://en.wikipedia.org/wiki/Bloody_Mary_(folklore) http://www.scpwiki.com/scp-303#:~:text=Description%3A%20Witnesses%20describe%20SCP%2D303,set%20of%20oversized%20human%20teeth.&text=SCP%2D303%20will%20then%20remain,an%20indeterminate%20amount%20of%20time. Dan Cummings, Time Suck, Mothman Ep. 124

For some people, the process of doing something is more important than the finished product and for other folks it's the other way around. This week, Shannon and Janine discuss process vs product and how it might be helpful to look at it from the other perspective. Discussion topics include: • The inspiration for this episode: a story about a ceramics teacher who graded half the class on quantity and the other half on quality • The surprising result: The highest quality work came from the people who were graded on quantity • How being on the process (quantity) side might get you where you want to go more easily than being on the product (quality) side. • Process vs product in knitting • The Mystery Knit Along project that Janine is knitting • How sometimes the product is the process • How it can be useful to engage in the process even if you are not sure of the product or sure that you can achieve the quality that you want • Janine’s fervent love for You Need a Budget (YNAB) and how it took her awhile to get there • The value of noticing whether you’re thinking about what you want to do as process vs product, then consider it the other way around • How process vs product isn’t a matter of good or bad, it’s just a matter of what works for you Visit the show notes at www.gettingtogoodenough.com for show notes and links.

To successfully cross the valley, you need the right tools. If you were on an island and could only bring one tool, it's going to be YNAB , You Need A Budget.  My wife, Kat, is the expert in the house, so I invited her to the podcast. You are going to enjoy this one. Have fun. And get YNAB Here's our referral link (we both get a free month; I think): https://ynab.com/referral/?ref=rG0tXtKW8eUcyBSi&utm_source=customer_referral --- Support this podcast: https://anchor.fm/greg-dyche/support

Si quieres entender más sobre finanzas y cómo manejar tu dinero, pero no sabes por dónde partir, este episodio de cierre de temporada sobre Libertad Financiera, es para ti. En éste, discutimos los 11 libros que leímos sobre estos temas y los clasificamos en distintas categorías para los diferentes tipos de lectores e inversionistas.   Nota del editor: efectivamente dijimos 10 cuando eran 11.   ¿Quieres ayudarnos?, ¿Quieres donar? Ingresa a https://www.patreon.com/elementalpodcast   |Nuestra página|: http://www.elementalpodcast.cl/ |Twitter|: https://twitter.com/elementalpodcas (@elementalpodcas) |Facebook|: https://www.facebook.com/ElementalPodcast/ |Instagram|: https://www.instagram.com/elementalpodcast/ |Youtube|: https://www.youtube.com/channel/UCzbMsT2QA6TTaYrzLr6t1AQ   |Subscríbete en Spotify|: https://buff.ly/2x0X8KA |Subscríbete en iTunes|: https://buff.ly/2BKkvgf |Subscríbete en Stitcher|: https://buff.ly/2GYSu5H |Subscríbete en Podbean|: https://buff.ly/2H0Uw5p |Subscríbete en GooglePodcast|: https://buff.ly/2GIzUj2     Links y notas del Show:    00:00 | Libertad Financiera |   02:36 | La semana laboral de 4 horas de Tim Ferriss |   https://youtu.be/N4QTgw6RTaM   04:56 | Padre rico padre pobre de Robert T. Kiyosaki | https://youtu.be/usnOrJGz9UM   08:02 | El camino sencillo a la riqueza de JL Collins | https://youtu.be/LktHYYgJ_Yk   10:40 | Necesitas un presupuesto (You Need a Budget - YNAB) de Jesse Mecham | https://youtu.be/wAnZhiHzcnI   12:50 | Piensa y hazte rico de Napoleón Hill | https://youtu.be/ywHL1Idvm50   15:12 | Y tú, ¿dónde pones tu dinero? de Álvaro Vargas Llosa | https://youtu.be/7yHTqTqsvgU   17:17 | El Einstein del dinero: la vida de Benjamin Graham de Joe Carlen | https://youtu.be/wVJNyQbfXjI   18:36 | Te enseñaré a ser Rico de Ramit Sethi | https://youtu.be/-gdWeISTffA   20:09 | Sentido Común en Fondos Mutuos de Jack Bogle | https://youtu.be/IcsmS-F-Opc   21:48 | Elige la Libertad Financiera de Chris Mamula, Brad Barrett y Jonathan Mendonsa | https://youtu.be/BBOUvP42Jfc   23:56 | El Inversionista Inteligente de Benjamin Graham | https://youtu.be/cLDzB0ocF84   26:36 | 3 libros claves para lectores con poco tiempo|   30:20 | Cierre y conclusiones |   Pedro García-Huidobro (@pedroghg) y Santiago Allamand (@stgoallamand) discuten sobre distintos libros todas las semanas.    Agradecimientos especiales a: |Redes y Comunicaciones|: Rosario del Valle |Música Intro|: Osvaldo Guzmán |Sonidos Adicionales|: Osvaldo Guzmán  |Musica Cierre|: ”Rollin at 5" Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 3.0 License http://creativecommons.org/licenses/by/3.0/

The founder of YNAB, Jesse Meacham, shares his story about: Finding your "non-negotiable" Introducing your spouse to FIRE Do you really need a budget?   For more information, visit the show notes at https://ChooseFI.com/165

Money is a source of stress for so many people. One tool that both Janine and Shannon use to help them take the stress out of money and create financial peace is the software You Need a Budget (YNAB). Shannon is a YNAB master! In this episode we discuss YNAB and other strategies for creating financial peace. (And Shannon offers to help any listener  who needs help with YNAB!) Discussion topics include: • The key to Shannon’s financial peace: YNAB (You Need a Budget) software • Rule 1 with YNAB: Give each dollar a job! • How YNAB can help you manage an irregular income by creating a buffer • Budgeting for next month’s expenses • Shannon’s addiction to interacting with her money every day in YNAB (it takes less than 15 minutes!) • Budgeting for annual expenses monthly to eliminate big surprise payments • How YNAB can help create peace in relationships when people share money • Reading a book about YNAB vs trying it out first • How Janine is pairing YNAB and Quickbooks to help her stay on top of her bookkeeping • The peace that comes with being on top of your money • Using Undebt.it to help with debt payoff • How YNAB can help with automatic credit card payments • Shannon’s offer to help out anyone who’s trying out YNAB in our Facebook group • A strategy for creating a buffer so that this month’s income pays next month’s expenses • Making money feel supportive rather than stressful See the show notes at www.gettingtogoodenough.com for links.

017. You Need a Budget (YNAB) | Jesse Mecham is a recovering CPA that started a company called, "You Need A Budget" (aka YNAB) while in college. His company teaches people their unique Four-Rule Method that completely transforms how they view and manage their money. When people follow the YNAB Method, they break the paycheck to paycheck cycle, get out of debt, and save more money.*** For Show Notes, Key Points, Contact Info, & Resources Mentioned on this episode with Jesse Mecham, visit here. ***

In our second podcast episode, we review four of the top online personal budgeting tools that we get asked about constantly from our clients. We start with number four and work our way down to first place. Some options are free, others are paid. Links to all tools mentioned are here: --Personal Capital - personalcapital.com --Mint - mint.com --You Need a Budget (YNAB) - ynab.com --EveryDollar - everydollar.com --CreditKarma - creditkarma.com --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/financiallyboundless/message

Matt Trask and Ben Edmunds are joined by Jason McCreary and Anthony Fox to discuss budgeting and personal finance for developers. This episode takes a high level view and focuses on how new developers can make good decisions and avoid common pitfalls that come along with that first “developer money” paycheck. We’ll be back for part 2 shortly. Links You Need a Budget YNAB Acorns Vanguard MrMoneyMustache CreditKarma Debitize app Principles - Ray Dalio

Mentioned in this episode: This episode's sponsor, Imperfect Produce You Need a Budget (YNAB) app Personal Capital website 5 Day Money Savers Challenge How often has money been the root cause of your stress? What if I told you it didn't have to be? Well guess what? I am! Today on the pod I have Jamila Souffrant, a certified financial education instructor sharing all about managing your money, some important steps to take and how to not stress out about your bank account. Let's just say this episode is an important one. A lot of us don't talk about the struggles we have around money because we're ashamed and afraid. Many of us suffer in silence. But it doesn't have to be this way. Financial health is a key component to your overall health and well-being. It's not something to be ignored. It's also not something we're traditionally taught in school. So today's episode is tackling all of these questions and topics and jumping in to how to manage your relationship with money so it isn't rooted in fear. Here are a few things we talked about in today's episode: Jamila's story with money and her story that led to Journey to Launch What starting a vending machine business taught her about managing money Practical steps to saving money and gaining financial independence Budgeting for the future- short-term vs. long-term goals Saving for a side-hustle or turning your passion into a career Talking about financials with your partner Resources for learning more about financial independence What advice she would give to her 20 year old self Join The Healthy Maven Tribe to ask guest questions and to find out who will be on the show before anyone else! http://facebook.com/groups/THMTribe Please don't forget to rate + review in iTunes if you love the podcast. Your comments and subscriptions help us make the podcast best for you! Follow Jamila + Journey to Launch: Website: https://www.journeytolaunch.com/  Instagram: https://www.instagram.com/journeytolaunch/  Facebook: https://www.facebook.com/journeytolaunch/  Podcast: https://www.journeytolaunch.com/category/podcast/ 

FFP 015: Why I Started an Investment Club and You Should Too In this episode I share why I think starting an investment club with your friends might be one of the best decisions you will ever make, and it's probably not for the reason you think. How it started is an amazing story. I share with you what you'll need to do, and why it will make a difference. It is a great story.  This episode is jam-packed with great content to help you improve your life and get future focused.  Starting an investment club is fun and you will learn a lot. It is easy and worthwhile. My investment club was started back in 1999 and has provided me with tremendous benefits in my life.  I review my financial advice from previous episodes in a nice concise summary.  I also make a lot of recommendations for you to start applying to better utilize your money. Recommendation for you and mentions from within the podcast: Books You need to add to your library regarding finances and start reading: Starting and Running a Profitable Investment Club: The Official Guide from the National Association of Investment Clubs   You Need a Budget (YNAB) by Jesse Meecham. Money, Master the Gameby Anthony Robbins The $100 Startup: Reinvent the Way you Make a Living, Do What you Want, and Create a New Futureby Chris Guillebeau Side Hustle: From Idea to Income in 27 Daysby Chris Guillebeau This is the notebook! Click here! I hope you order one right now and invest in yourself. I will be posting about great ways I use my journal to get things accomplished and level-up. You can share your ideas in the comments below. Your Money, Your Lifeby Vicki Robin and Joe Dominguez The Millionaire Next Doorby Thomas J. Stanley and William D. Danko ------ Please leave a review of this podcast here: Leave a Review for The Future Focused Podcast. Share this podcast with your family and friends. Please email me your thoughts on this podcast; I’d love to hear from you. Kelly’s book, Along Came a Leader, that delves deeper into six core leadership elements. Follow Kelly Croy on Facebook.   •   Follow Kelly Croy on Twitter.   •   Follow Kelly Croy on Instagram Do you need a speaker for your event? Please consider the art and words of Kelly Croy. 

What Everyone Needs to Know About Money but is Afraid to Ask: In this episode of The Future Focused Podcast I tackle a topic many are uncomfortable discussing, money. There are so many misconceptions and misunderstandings about money. Money is one of the areas in our life that we have the most control over, but do so little about. Why? Because most people are either afraid to ask questions in fear of looking dumb, or pretend they have it all figured out. I am clearly not a millionaire, nor am I a financial advisor, but I have learned quite a bit that has brought me success and helped me to avoid some real dangers. Listen, this is a topic where we all need to learn from each other. I provide over a dozen tips to help you improve yourself financially. These are steps I have taken and had success with in my life. I know if applied they will bring you similar results. There are things you can be doing, that are very simple, that will give you an incredible edge in life. No one is telling you to do these things, or you don't know how to start. Listen to this podcast. Being financially fit is an area everyone needs to work on. I hope you enjoy this episode. Mentioned in this podcast:  The book you must be reading now: You Need a Budget (YNAB) by Jesse Meecham. Money, Master the Gameby Anthony Robbins The $100 Startup: Reinvent the Way you Make a Living, Do What you Want, and Create a New Futureby Chris Guillebeau Side Hustle: From Idea to Income in 27 Daysby Chris Guillebeau Please leave a review of this podcast here: Leave a Review for The Future Focused Podcast. Share this podcast with your family and friends. Please email me your thoughts on this podcast; I'd love to hear from you. Kelly’s book, Along Came a Leader, that delves deeper into six core leadership elements. Follow Kelly Croy on Facebook.   •   Follow Kelly Croy on Twitter.   •   Follow Kelly Croy on Instagram Do you need a speaker for your event? Please consider the art and words of Kelly Croy.   

I talk with Lindsey from You Need a Budget (YNAB) about switching to their software.

En una joya de libro de finanzas personales, Jesse Mecham nos cuenta en detalle cómo crear un presupuesto que sea eficiente y que pueda servirnos para cumplir nuestros sueños financieros. Resumen del Libro: El fundador de YNAB, una de las aplicaciones de presupuesto y finanzas personales más famosas del mundo, nos cuenta en detalle el marco teórico de cómo armar un buen presupuesto.  ¡Conviértete en El Padrino de nuestro podcast ayudándonos mes a mes! Ingresa a https://www.patreon.com/elementalpodcast |Nuestra página|:http://www.elementalpodcast.cl/|Twitter|: https://twitter.com/elementalpodcas (@elementalpodcas)|Facebook|: https://www.facebook.com/ElementalPodcast/|Instagram|: https://www.instagram.com/elementalpodcast/|Youtube|: https://www.youtube.com/channel/UCzbMsT2QA6TTaYrzLr6t1AQ |Subscríbete en iTunes|: https://goo.gl/exXvXV |Subscríbete en Stitcher|: https://goo.gl/ZzStCQ |Subscríbete en Podbean|: https://goo.gl/JV8VUZ |Subscríbete en Spotify|: https://goo.gl/jJdL5n |Amazon|: http://a.co/iaJutA9|Autor|: Jesse Mecham Links y notas del Show: 00:00 |Elemental episodio #042| 03:54 |Una manera nueva de pensar el Dinero| 21:52 |Asígnale un trabajo a cada billete| 36:18 |Acepta tus verdaderos gastos y ajústate a las circunstancias| 44:14 |Envejece tu dinero| 49:51 |Presupuestar en pareja, enseñar a los niños y el gran tema de las deudas| 57:22 |Cuando piensas en rendirte| 01:01:50 |Cierre y conclusiones| Pedro García-Huidobro (@pedroghg) y Santiago Allamand (@stgoallamand) discuten sobre distintos libros todas las semanas. Agradecimientos especiales a:|Música Intro|: Osvaldo Guzmán|Sonidos Adicionales|: Osvaldo Guzmán |Logo|: María de los Ángeles Manriquez|Musica Cierre|: ”Rollin at 5" Kevin MacLeod (incompetech.com)Licensed under Creative Commons: By Attribution 3.0 Licensehttp://creativecommons.org/licenses/by/3.0/

On Episode 28 of the Your Financial Pharmacist Podcast, we discuss the dreaded, yet all important, “B word”....budgeting. With a New Year comes the opportunity to get a fresh start on setting a budget that will help you achieve your financial goals. In this episode, we cover why having a budget is key to your long-term financial success, why so many people fail with keeping a budget, various budgeting strategies, and tools that can help you execute your monthly budget. Episodes 28 Giveaway Along with this episode, we are providing a YFP step-by-step spending plan (budget) template that will put you on the path to putting purpose to your spending each month. This YFP spending plan Excel template is ready to go with formulas that will allow you to easily create a zero-based budget. Get your FREE spending plan template at www.yourfinancialpharmacist.com/budget Featured on the Show YFP Episode 027: Tim, Tim & Tim Recap the Best of 2017 & What's Ahead for 2018 ‘When Budgeting Isn't Your Thing' by Jess Ulbrich Nerdwallet 2017 American Household Credit Card Debt Study The 4-Hour Workweek by Tim Ferris YFP Episode 020 & 021: 6 Reasons Pharmacy Graduates Will Struggle to Build Wealth (And What to Do About It) YFP Episode 005: The Impact of Rising Student Debt on a Pharmacist's Income YFP Episode 026: Baby Stepping Your Financial Plan - The 2 Things to Focus on First YFP Student Loan Quick Start Guide Financial Peace University by Dave Ramsey Seven Figure Pharmacist by Tim Church, PharmD, BCACP, CDE and Tim Ulbrich, PharmD Mint - www.mint.com Mvelopes - www.mvelopes.com EveryDollar - www.everydollar.com You Need a Budget (YNAB) -www.youneedabudget.com/ YFP Pharmacist's Guide to $1 Million

A brief summary of this episode

Are you trading your life away for what truly matters to you? Today’s guest, Jesse Mecham, is the founder of You Need a Budget (YNAB), the budgeting software that helps you think about your money in a new way so you can live the life you want. In this episode, Aileen and Jesse dive into the… The post LL 052: Managing Your Money with Intention w/ Jesse Mecham appeared first on Lavendaire.

One evening Lauren spent $600 on clothes. When she got home, she left the purchases in the car so her husband wouldn’t find out. The next day she decided she had to tell him what she had done, and how it was only the tip of the iceberg of the $40,000 of debt she had racked up. “When I told him, he just stood there staring at me for a while, then he said, ‘I forgive you. Let’s get through this together.’” Fast forward to today: Lauren and her husband are not only out of debt, but Lauren is teaching others how to do it, too. Lauren is the author of ‘The Recovering Spender’ and blogs at LaurenGreutman.com. Listen to find out the 3 rules that help her stay out of debt today. Nuggets of Wisdom from Lauren: "When the pain of staying broke becomes greater than the pain of changing your spending habits, that is when you will make a change. " "A lot of the debt was because I got us into the debt and never told him about it because I did not want to burden him. It was not that I was like trying to be sneaky. I just did not want to burden him. I would just say, 'Okay, it's what everybody does. I am just having a terrible time dealing with it so it is my fault, so I just need to handle it and get us out of it....'" "I started feeling really guilty about it. I started thinking like, 'Okay, I hid this from him because I didn't want to fight with him... He knew we were in debt, but he did not know how much. But he knew we were in debt and here I am, going and spending $600 on clothing and now I am hiding it from him. This is not just good for our marriage and our future. The next day I decided to come clean to him and tell him all the debt that we had. And make a real difference. I felt like for the first time I realized that I could not do it myself, like I needed his help to handle this and to have somebody to talk to about it. It is really like - not only it is lonely and stressful but it is just damaging to your marriage if you have this big elephant in the room that you can never talk about it." "He said, 'I forgive you, let us get through this together.' And so those are the words that changed everything. That was 9 years ago and from then on we got out of debt in 2 years. We just had a passion for teaching other people all the mistakes that we went through." "I have a spending problem. I think I always have the personality to be addicted to spending. And because of that I have to know what boundaries I have to set up around myself, so I do not spend money. Like 3 rules that I have. #1.) Do not go to Target alone. My second one, if I do any online shopping, I use a prepaid debit card, so I have to fund it beforehand. And #3, I do not use credit cards. So, those are my three big boundaries I had to put around myself, to keep myself safe. So, yes, I would definitely say, it is an addiction of some sort." "The biggest thing that they need to learn is how to set a realistic budget. For years, I was so terrified of the B word. I cringed on the inside. But once I saw that a budget can actually bring freedom to me, it really kind of opened up my eyes to all that's possible. For so many years, I spent money without knowing what was going on and, yes, that was fun and great, but then, you sit down at the end of the day, and you are like, 'Oh my gosh, I spent this much money. I did not know that I spent this much money! I don't know where it went. And now, you don't have money for your bills.' So, I found out that budgeting actually gives me freedom to spend what I want to without giving me that guilt and feeling of depletion at the end of the day. I think people need to set that realistic budget, and it can really really help them." Some of Lauren's Favorite Things: Personal habit: "That I can turn work off.  I think that is a big thing. As an entrepreneur who works online, the temptation to work all day and all night and every weekend is there, you know, in your face all the time. We finally got an office outside of our house and that has been really imperative to my success with everything that I do online. I got so sick of being half on, half off all day long, that setting it up this way has really kept us very productive during our work hours and also being able to be a husband and wife at night and hang out with the kids, go out to dinner, and do fun stuff together without feeling guilty that I have so much work to do." Easy meal: Homemade Spaghetti Sauce Possession: Blendtec Lauren's Favorite Book: For the Love by Jen Hatmaker Best advice received: "Be kind to others because they will be kind to you." Lauren's Happiness Formula: "I am happiest when I stick to my budget, I spend time with family, and I sleep." A Challenge from Lauren: "I want everybody to think about their values and if their spending is a reflection of that value system. Because whether you are in debt or not, you can always do something better with your finances. It always comes down to your value system." Resources Morning Meditation Guide (free) LaurenGreutman.com Financial Renovation The Recovering Spender (Lauren's book) You Need a Budget: YNAB.com Tiller.com Homemade Spaghetti Sauce Blendtec For the Love by Jen Hatmaker   Subscribe to Vibrant Happy Women:  

Gabe and Jeff discuss the new version of You Need a Budget (YNAB) which released recently to mixed reviews. Going from a solid, stable, standalone app with Dropbox integration (the holy grail for nerds like these guys), it has pivoted to a web app with all of the pitfalls of that methodology. They discuss Jeff's experiences with the app and cry into their suds while bemoaning how one of their favorite pieces of software has changed in all of the wrong ways. YNAB NOD Episode 19: Money Management Some alternative Mac software that is not a web services: MoneyWell MoneyWiz Moneydance iBank 5 Perpetual IPA by Tröegs Brewing Company Brewery BreweryDB BeerAdvocate

In this episode, I interview Jesse Mecham Founder of You Need A Budget.com (YNAB). Jesse is a writer, speaker, podcaster and business owner. He shares with us his story of how he grew You Need A Budget to the success it is today. Jesse also has a podcast called You Need A Budget which just surpassed 1 million downloads.

En este capítulo 2 hablamos de las aplicaciones y servicios de pago vistos desde dos perspectivas: los que no se plantean pagar por ningún tipo de aplicación y los que compran casi de forma compulsiva y sin pensárselo demasiado. Terminamos hablando sobre dos aplicaciones que han llamado la atención a finales de 2014: You Need a Budget (YNAB) y Pinboard.

On this episode, we talk about Amazon's purchase of Twitch, the curved display of the Galaxy Note Edge, Dyson's Eye vacuum with 360-degree camera, the You Need a Budget (YNAB) software application and more feedback from our friend Loren.

The importance of budgeting can’t be overstated. Today we talk to the king of budgeting tools, Jesse Mecham the CEO of You Need a Budget and give you an honest YNAB review. We talk about budgeting with Mint a lot and it’s a great tool. But there is always talk of You Need A Budget within the personal finance community so we wanted to check it out. And because we provide only the best for you, we brought on the founder to discuss the tools so we can provide an in depth YNAB review. YNAB was originally a spreadsheet that Jesse and his wife used to budget their money when they were newly married and expecting a baby. He had just intended to sell it to make a little extra income on top of his accounting job, but it soon proved so successful that it become his career. Zero-Based Budgeting Zero-based budgeting forces you to “spend” every dollar. At the end of the month, the goal, as it is with any budget, is to have brought in more money than you spent. And that’s where most traditional methods of budgeting end. Great! You paid all of your bills and have an extra $600 left over. For a lot of people, that leftover money is “fun” money, to be spent on things like clothes, dinners out, movies. Zero-based budgeting gives those dollars a job, rule one of YNAB. It’s like the difference between your unemployed friends and your friends who have a job. The unemployed dollars are sitting around all day smoking weed while the dollars with a job are contributing. In this case, contributing to your financial goals. And that’s what YNAB is, zero-based budgeting. If you’ve tried budgeting before and not had success, it’s probably not you! It’s like dieting. Sometimes you just need to find a different method that will work for you. Four Principles There are four principles behind YNAB: Give Every Dollar A Job Not one dollar just gets to sit on its dead ass, not pulling its weight. Every dollar is working, working for you. Some jobs are more fun than others. Some jobs are paying your bills but some jobs are buying you drinks! Just because a dollar has a job, doesn’t mean it’s job is to be spent. Your holiday money might sit dormant for ten months of the year, but when the shopping season arrives, it leaps into action. Save For A Rainy Day If you’re living paycheck to paycheck, you don’t have anything left over for a rainy day.This rule is for large but not regular expenses like holidays, vacations, school tuition. Look ahead to these large, less frequent expenses and break them down per month. That monthly amount is added into each month’s budget. Rule two makes sure that you are planning for these expenses well before they come due and budgeting for them each month. Roll With The Punches You’re going to make mistakes, the unexpected will happen. That’s okay. If you overspend in one area, you’ll find money from another and move it over to the category you came up short in. Live On Last Month’s Income When you use YNAB, you will save enough of last month’s income to pay for this month’s expenses. What you earn in January, you spend in February. Depending on your current bank balance, this might take a few months to achieve. That’s okay, you’ll get there. This rule is especially helpful for those who have variable incomes, freelancers, and realtors for instance. This system puts an end to living on money you don’t yet have. Getting Started Step One There is a free 34 day trial for YNAB. You download and install the program which runs on both Windows and Mac.  Step Two You can choose to use Cloud Sync so your information is updated across your multiple devices and is backed up. To back the data up, you’ll need Learn more about your ad choices. Visit megaphone.fm/adchoices

This is the fifth day in our 31-Day Money Challenge. Over 31 days we’ll publish 31 podcasts, each designed to help you move closer to financial freedom. Yesterday we covered 7 tips for effective and stress-free budgeting. In today’s podcast, we Jesse Mecham, founder of You Need a Budget (YNAB). Sponsors: The 31-Day Money Podcast […] The post The Four Rules of Budgeting [with Jesse Mecham of YNAB] appeared first on The Dough Roller.