Podcasts about you need a budget ynab

How often do you talk with your spouse or partner about money? Are you even on the same page when it comes to finances? The truth is, if you're married or in a serious relationship there are some important financial topics you should discuss.   Links:  For budgeting resources check out: You Need a Budget (YNAB) Ramsey Solutions Triangle Credit Union webinars  Learn about Triangle's financial planning resources  Check out other financial resources and blogs at TCU University Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.   If you're in a relationship, there's a good many things you need to work together on, and finances aren't any different.   For some people finances are that sort of thing that most don't want to discuss at all. I mean, it can turn a civilized conversation into a knockout drag out fight.  But, the reality is that some of these topics should be talked about, and for many people, sooner rather than later.   Here are six financial topics couples should discuss:  The first topic couples should discuss is budgeting.   For most couples, particularly married couples, this is a must. The purpose of this is to work together to determine how much you make and where it's all going every month.   If you're new to this, get started by watching some videos, attending a webinar, or reading some books. Then, armed with the knowledge of how to properly set up a budget system, take some time, sit down and do your budget. Make it a date. Try ordering takeout or cook a special meal to make it feel more of a fun event rather than a chore.  If you need some help, check out resources like You Need A Budget (YNAB), Ramsey Solutions, and Triangle Credit Union webinars, available to watch on YouTube.  The next topic couples need to discuss is savings and retirement.  Like the last one, this one also applies more to married couples, but for single people however, it might not be a bad idea to get an idea of where your partner stands when it comes to spending. It'll give you a peek into how compatible you two really are.  When discussing spending, ask each other what you're saving for, both as a couple and as individuals. Determine whether you have an emergency savings account and how much you'll need to fully fund it. Having a proper savings plan ensures that your financial future will be secure.  Are you both planning to retire and when? Make sure you're discussing retirement goals and how working to reach those goals affects your savings rate now. If you're going to build your financial future together, you need to give it the best foundation possible by having a healthy emergency fund, good savings habits and a well-planned retirement strategy.   The third thing to discuss is goals.   If you have wishes and goals, your partner likely does too. You need to talk about what those goals are and how they affect your finances in both the near future and distant future.   Start with short term goals. As a couple, do you want to save for a downpayment? How about paying off a credit card? Or perhaps paying down a set portion of your student loans?  When it comes to long term goals, look a little farther out. Depending on where you are in life, do you want to finally own a home? Get completely debt free? Maybe buy a second home? Plan a once in a lifetime vacation?  The best way to achieve goals is by determining where you want to be or what you want to achieve as a couple, laying out the steps you'll need to get there and work hard and keep focus to meet that goal at its appointed time. Set up a timeline, determine milestones and remember to celebrate once your goal is reached.  The fourth topic to discuss is whether you'll have separate or joint bank accounts.  If you're not married, then keeping accounts separate is the better plan.  If you're married, the typical choice is to combine finances. Though there are many cases where husbands and wives continue to manage their own money, in many ways combining finances and accounts forces you to make the financial decisions together as one household rather than two separate individuals with their own goals.   If you are married and choose to keep your accounts separate, that can work too. Just make sure that you're both fiscally mature and communicate about everything. Keeping an open conversation about spending, saving and the like will keep the stress down and ensure you're both still on the same page.  The fifth topic is to discuss what you'll teach your children when it comes to money.  If you have kids, or plan to have them one day, talk about what you're going to teach them when it comes to money. Will they have chores? Get an allowance? How much?   Will you teach them how to budget? How old do you think they should be when they get their first job?  You and your spouse should discuss all these questions so you're both on the same page when it comes to raising your kids in a financially responsible way.  The sixth topic to talk about is Insurance.  For couples, this is definitely not the most exciting topic at all, but it's important to have this discussion. Because there are so many different types of insurance coverage for a variety of things from houses and cars to pets and identity, you need to talk about which ones would benefit you most as a couple and household.   Insurance costs money, so just because your spouse thinks you need that special coverage doesn't mean it's best for you both to dish out the extra money each month. Have a discussion to decide on the most beneficial types of insurance for your lifestyle and select the plans that you can reasonably afford.   If you're not sure where to start when it comes to insurance, meet with a financial planner who can steer you into the right insurance plans with the proper coverage and premiums for your current financial situation. They'll also help reassess any existing plans and provide alternate options to keep up with the many changes that can occur in life.  That's it for this tip with six financial topics couples should discuss.     If there are any other tips or topics, you'd like us to cover, let us know at tcupodcast@trianglecu.org.  Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and be sure to check out our other tips and episodes on the Making Money Personal podcast.   Have a great day! 

In this engaging episode, we're thrilled to welcome Lindsey Hardegree, an expert in organizing, productivity, and budget coaching. As Georgia's first Certified KonMari Consultant and a YNAB Certified Budgeting Coach, Lindsey brings a unique blend of expertise in creating organized, efficient, and joyful living spaces, as well as offering practical budgeting advice. We delve into the world of personal and professional organization, uncovering the secrets behind effective space management and how it can lead to a more fulfilled and productive life. Lindsey will guide us through her journey of becoming a top-tier organizer and budget coach, revealing the pivotal role of the KonMari Method and the You Need A Budget (YNAB) system in her approach. We'll explore the synergy between organizing physical spaces and managing finances, and how this balance can lead to greater personal and financial well-being. Our conversation will also highlight Lindsey's extensive background in nonprofit management and her current role as the Executive Director of the Episcopal Community Foundation for Middle and North Georgia. She'll share insights from her doctoral studies at Emory University and her experience in leading and consulting for various nonprofit organizations. Listeners will also get a glimpse into Lindsey's personal life - her love for reading, her passion for the arts and culture community in Atlanta, and how she incorporates her interests and hobbies into her daily routine for a balanced and enriching life. Join us for an episode full of practical tips, inspiring stories, and expert advice on organizing your life, mastering your budget, and finding joy in the everyday. Whether you're looking to streamline your home, manage your finances more effectively, or simply seek inspiration for a more organized life, Lindsey's enthusiasm and expertise will leave you motivated and equipped to tackle your goals. Disclaimer: Not advice. Educational purposes only. Not an endorsement for or against. Results not vetted. Views of the guests do not represent those of the host or show. Do your due diligence. Click here to join PodMatch (the "AirBNB" of Podcasting): https://www.joinpodmatch.com/drchrisloomdphd We couldn't do it without the support of our listeners. To help support the show: CashApp- https://cash.app/$drchrisloomdphd Venmo- https://account.venmo.com/u/Chris-Loo-4 Buy Me a Coffee- https://www.buymeacoffee.com/chrisJx Thank you to our sponsor, CityVest: https://bit.ly/37AOgkp Click here to schedule a 1-on-1 private coaching call: https://www.drchrisloomdphd.com/book-online Click here to purchase my books on Amazon: https://amzn.to/2PaQn4p Follow our YouTube channel: https://www.youtube.com/chL1357 Follow us on Twitter: https://www.twitter.com/drchrisloomdphd Follow us on Instagram: https://www.instagram.com/thereal_drchrisloo Follow us on Threads: https://www.threads.net/@thereal_drchrisloo Follow us on TikTok: https://www.tiktok.com/@drchrisloomddphd Follow the podcast on Spotify: ⁠https://podcasters.spotify.com/pod/show/christopher-loo⁠ Subscribe to our Substack newsletter: https://substack.com/@drchrisloomdphd1 Subscribe to our Medium newsletter: https://medium.com/@drchrisloomdphd Subscribe to our email newsletter: ⁠https://financial-freedom-for-physicians.ck.page/b4622e816d⁠ Subscribe to our LinkedIn newsletter: https://www.linkedin.com/build-relation/newsletter-follow?entityUrn=6992935013231071233 Join our Patreon Community: https://www.patreon.com/user?u=87512799 Join our Spotify Community: ⁠https://podcasters.spotify.com/pod/show/christopher-loo/subscribe⁠ Thank you to our advertisers on Spotify. Financial Freedom for Physicians, Copyright 2024

In this MI Rewind Episode, Robert Leonard chats with Jesse Mecham to talk about how abiding by simple budgeting can set you up for success in the future. Jesse founded You Need A Budget (YNAB) in 2004 while he was still in college. YNAB has grown into a leading software and proven method that helps its users get out of debt and have more control over their money. IN THIS EPISODE YOU'LL LEARN: 00:00 - Intro 01:43 - How the idea of You Need A Budget came to be.  02:50 - If you need to raise capital to start a business. 04:31 - What is the Four-Rule Method of budgeting, and why it works? 17:30 - How can you roll with the punches when it comes to budgeting? 20:04 - Why budgeting is crucial to being a successful investor. 22:11 - What does it mean to age your money? And much, much more! BOOKS AND RESOURCES Join the exclusive TIP Mastermind Community to engage in meaningful stock investing discussions with Kyle and the other community members. Check out You Need A Budget. JL Collin's book The Simple Path to Wealth. Thomas Stanley and William Danko's book The Millionaire Next Door. Ramit Sethi's book I Will Teach You To Be Rich. Erin Lowry's book Broke Millennial. Check out the books mentioned in the podcast here. NEW TO THE SHOW? Check out our Millennial Investing Starter Packs. Browse through all our episodes (complete with transcripts) here. Try Kyle's favorite tool for picking stock winners and managing our portfolios: TIP Finance. Enjoy exclusive perks from our favorite Apps and Services. Stay up-to-date on financial markets and investing strategies through our daily newsletter, We Study Markets. Learn how to better start, manage, and grow your business with the best business podcasts. SPONSORS Support our free podcast by supporting our sponsors: NetSuite Fundrise Masterclass HelloFresh Learn more about your ad choices. Visit megaphone.fm/adchoices

*The first step to building wealth is figuring out your relationship with money.* That's why we're speaking to Claer Barrett, the Consumer Editor of the Financial Times and author of the book What They Don't Teach You About Money. Claer isn't good at maths and had periods when she wasn't good with money but she's managed to turn that around. At the heart of that change has been her growing understanding of her money personality. This is where you should begin too. -- Sponsors Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney Manual: Fix your hair loss with code MM55 via https://bit.ly/48QBBo6 -- Bootcamp Get on the waiting list here: https://forms.gle/mdQgMgZBu8TWZ5qMA -- What's your financial health? Take our quiz: https://makingmoneypod.scoreapp.com/ -- *We've added the money personalities from Claer's book below. You need to be honest with yourself - which ones describe you?* -Spendy Wendy: could be you if you know the three numbers on the back of your bank card off by heart as you do so much online shopping -YOLO (you only live once): could be you if you have ever uttered the words ‘To the moon' without irony - Goblin: could be you if you get more of a kick from saving money than spending it -Spreadsheet Slave: could be you if you have ever dreamed in Excel -Jitterbug: could be you if you have a constant state of underlying anxiety about money -Ostrich (stick your head in the sand): could be you if you say a silent prayer every time you tap your card to pay -- *Here are some decent budgeting tools (Damo is actually making one but it's not ready yet) but there are loads out there which may suit you better:* -Good old fashioned spreadsheet, Excel or Google Docs -Budget planner, a free government tool: https://www.moneyhelper.org.uk/en/everyday-money/budgeting/budget-planner -You Need A Budget (YNAB), a paid for tool with all the bells and whistles: https://www.ynab.com/ -- *If you want more learnings and next steps:* Subscribe to our newsletter: https://makingmoney.email/ You can find all our previous newsletters on our website: www.makingmoneypodcast.co.uk/episodes. -- *Let us know what you think - what would make the show better?* makingmoney@kindling.media. -- This is not financial advice. The reason it's not financial advice is because it's not tailored to you. We explain the principles of building wealth but if you want personalised advice, it's worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

As headlines continue to discuss widespread layoffs and economic uncertainty, it's important to remember that being laid off doesn't have to mean the end of your career or financial stability.In this episode, we are joined by Jesse Mecham, personal finance expert and founder of You Need A Budget (YNAB) to discuss practical advice and insights on how to navigate job loss and prepare for the possibility of a lay off. Follow JesseYNAB WebsiteYou Need A Budget Podcast Instagram (@YouNeedABudget)FacebookYouTubeTwitter Preorder my new book Money Made Easy & get access to early bird bonuses! Follow Allison on Instagram! @inspiredbudget Read the full show notes here on the blog! Take my FREE class on How to Budget to Build wealth!

Do you struggle with creating good money habits? Today, we're chatting with Raquel Tennant, a 25-year-old Certified Financial Planner, to chat about how we can boost our personal finance habits in 2023. By the end of this episode, you'll know how to create a budget you can stick to, learn why your bank account balance is a scam, and shift your mindset about money. Let's become financially stable together! More from Raquel Keep up with Raquel on Social: https://www.instagram.com/raquel_tennant/ Connect with Raquel on LinkedIn: https://www.linkedin.com/in/raquel-tennant-cfp%C2%AE-92a689162/ Check out 2050 Wealth Partners: https://www.2050wealthpartners.com/ Budgeting platform mentioned: You Need A Budget (YNAB) https://app.youneedabudget.com/ _____________ Subscribe to our monthly newsletter: https://www.thecolorsofhersuccess.com/about Follow us on Social: msha.ke/thecolorsofhersuccess

Jamie and Spencer attack how to budget your military paycheck. Ideas discussed on this episode include: Classic pen and paper budget Google Sheets and Excel spreadsheets Apps like Mint.com, You Need A Budget (YNAB), EveryDollar The Reverse Budget, or Anti-Budget (set a high savings rate and spend the rest) If you want to maximize your military paycheck, check out my 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 Amex Platinum and Chase Sapphire Reserve in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3.

Money plays a vital role in our lives. We spend a lot of time earning money, but most of us aren't as intentional about keeping it.This is where budgeting comes in. You may wonder “Why do I need a budget? How can it benefit me and help me grow my money?”  In this episode, we are joined by Jesse Mecham, Founder of You Need A Budget. Jesse talks about budgeting, his four rules to a successful budget, why everyone needs a budget, and the importance of a budget plan. Jesse also touches on Maslow's hierarchy of needs, and how he managed to grow his money through these four rules. Listen in and learn about a new way of looking and thinking about your money to help you make the best decisions for yourself. If you enjoyed today's episode, here's what you can do to support me and help more Dreamers discover the podcast:Leave a review on Apple Podcasts or wherever you listen to podcasts. I read every single review. I will select one review to read on the podcast every month.Follow the podcast, so you never miss an episode: Apple Podcasts | Google Podcasts | Spotify |  iHeart Radio | Amazon Music | Listen Notes |Share the podcast with your family, friends, and co-workers.Tag the podcast on Instagram @thedreamers.podcast and let me know what you like about it.More about the Guest:Jesse Mecham is a personal finance expert, speaker, business leader, and the Founder of You Need A Budget (YNAB). 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. 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. To learn more, visit www.youneedabudget.com.Connect with Jesse:WebsiteYou Need A Budget PodcastInstagramFacebookYouTubeTwitterConnect with Anne-Lyse:Website InstagramInstagram (Personal) 

Entrepreneur and budgeting pro Jesse Mecham joins Chris to talk about why you need a budget regardless of how much you make. They also discuss about why budgeting gets a bad rap, how to make it easy, why you might be doing it wrong and some of Jesse's top family hacks.Jesse Mecham is the founder and CEO of You Need A Budget (YNAB), one of the best budgeting tools in the market today. He started the company in 2004 as a side hustle and it now supports over 100,000 customers. He's also the host of the YNAB Podcast and author of the bestselling book You Need A Budget.Full show notes available at: https://www.allthehacks.com/easy-budgeting-jesse-mecham Selected Links From The EpisodeTry out YNAB: Free Month OfferConnect with Jesse Mecham: YNAB Podcast | Website | EmailRoth IRAs: Backdoor Roth IRAs and Mega Backdoor Roth IRA Full Show NotesWho is Jesse Mecham. [00:18]Why is the idea of budgeting associated with negative feelings? [01:36]The stress of figuring out what you can and cannot afford.[02:56]Do you have to look at past spending before you create a budget? [05:00]Why you need a budget even if you make a good income. [12:19]Four rules of budgeting. [15:08]Should you use a spreadsheet or an app to create your budget? [17:26]How to budget and save when you have a big family? [22:10]How did Jesse become the YNAB guy? (You need a budget origin story) [27:55]The biggest hack of all (according to Jesse). [31:51]A nerdy investment hack (get tax free money!) [34:02]The 1% retirement investment rule. [38:18]Life hacks that make Jesse's life more convenient. [41:10]How to connect with Jesse Mecham. [42:56] Connect with All the HacksAll the Hacks: Newsletter | Website | Facebook | EmailChris Hutchins: Twitter | Instagram | Website | LinkedIn

On today's episode, Allan welcomes finance expert, Jesse Mecham, founder of You Need A Budget (YNAB). Jesse is a Wall Street Journal best-selling author of, You Need A Budget. Allan and Jesse discuss why budgeting is so important for entrepreneurs, and how budgeting can be used as an important strategy for your business. They also discuss how budgeting can create a road map. And Jesse explains his four keys for taking control of your money. This is a must listen! 

Budgeting is hard enough for most people, but when you only get paid nine months out of the year, how do you manage your month-to-month expenses? The trick is to budget for the summer during the rest of the year.  You do this by building up a balance that you can use to see you through three months without a paycheck. This sounds simple enough, but in practice, we have found it proves difficult for some educators to implement. Budgeting For the Entire Year with Seasonal Income Here's an approach that we think gets the job done: On paper or in a spreadsheet, list all your monthly expenses in the first column. In the second column list the actual monthly cost, or your best estimate for things like groceries and gasoline, etc. For expenses that you pay at odd intervals, like an insurance bill that you pay twice each year, convert the amount into a monthly expense by dividing it by the number of months in each interval. In the third column, multiply each of the monthly expenses by 12 to get the total for each expense for the year. In the fourth column, divide the annual number in column three by nine. This gives you the amount you must dedicate to each expense during the nine months you get paid to cover the three months in the summer when you don't. In the fifth column, subtract the monthly expense (column 2) from the nine-month amount (column 3). This should give you the amount you need to set aside during the paycheck months. Total the fifth column. This is the total amount you need to save September through May to cover June, July, and August. This amount can now become a budget item, along with your normal expenses, during the rest of the year. Expense Monthly Annually Nine Months Difference Mortgage $1,000.00 $12,000.00 $1,333.00 $333.00 Phones $150.00 $1,800.00 $200.00 $50.00 Internet $100.00 $1,200.00 $133.00 $33.00 Monthly Savings Needed: $416.00 Using Budgeting Software This is a situation where budgeting software, such as You Need A Budget (YNAB), really shines. You can enter all your normal expenses with the actual monthly amounts for all twelve months of the year. Then add a budget category for "Summer Savings Need," and enter the total need from the fifth column as the budget amount during your nine months with pay. When summer rolls around, the funds will be there for you. If you don't use a budget program that allows you to designate how you spend the money in your accounts, I would recommend opening a designated savings account to hold the funds you are setting aside for summer. The above calculations work well if you are starting your savings plan in September and have the whole nine months to save for the following summer. If that's not the case (life is never that simple, right?), then use the number of months left before summer to calculate what is needed. For instance, if it is January and you are paid through the end of May, you need to divide the total in column four by five instead of nine to get what you need between now and summer. That may result in some unreasonable numbers. If that is the case, you need to re-prioritize your overall budget and make certain that basic expenses (your obligations like rent or your car payment) are covered. What if Your Income is Less Predictable? Teacher's income may have twelve months' salary lumped into nine months of pay, but what if your income is less predictable? Contractors and freelancers may have good months and bad months. Also, many salaried professionals get an annual bonus. In the bonus situation, we suggest budgeting for priority, fixed expenses out of a regular salary, and then using the bonus to catch up on savings goals or discretionary items like vacation funds. If you don't have a set salary and your income fluctuates from month to month, try to build a budget around a minimum average expected income. In months where income is higher,

If there are two things that Apple users like to obsess about, they would be email apps and iOS Homescreen layouts. This time, we address both of topics! Andrew reveals his wildly unpredictable Homescreen layout, Martin gets a bit cranky at widgets and Jason goes fluoro-green. Scroll down to view the linked screens as they’re discussed and don’t forget to show us yours! Americans Like to Mix Stuff 00:00:00 Vanilla Coke (https://en.wikipedia.org/wiki/Coca-Cola_Vanilla)

Gabi shares how the Four Rules from her budgeting app, You Need A Budget (YNAB), can be applied to life and fitness. The rules aren't hard but they do require some reflection and consistency, but ultimately they're meant to help you gain control of your money...and your life! And if you're interested in a new budgeting app, check out YNAB. You get a 34-day free trial and if you sign up with this link, we both get a free month

What started out as a budgeting spreadsheet has grown into a budgeting app used by thousands of families who have committed to giving every dollar a purpose. This week on the Journey to Launch Podcast we are continuing our celebration of the third anniversary of the show with an interview with Jesse Mecham.  Jesse, the creator of You Need A Budget (YNAB), shares his financial journey and tips for entrepreneurs. In this episode he describes how he dived into entrepreneurship at 22, and then successfully grew YNAB into a company with over 100 employees. Today, his budgeting app helps thousands across the globe improve their finances. Tune in to hear more about his path to success and the four rules for successful budgeting. In this episode you will learn: How to give every dollar a job Ways to embrace your true expenses When to give yourself permission to change your budget  Why a budget is not restraining  How to get 30 days or more ahead on your bills, and more Special thanks to YNAB for sponsoring the podcast in its 3 year anniversary month. Get your free 34 trial of YNAB today (no credit card required to sign up) by going to youneedabudget.com/journey Other related blog posts/links mentioned in this episode: Jesse and I both talk about the power of Profit First when you are an entrepreneur. Check out Mike Michalowicz’s book for yourself and see how it can help you in your business. Check out the other tools that help me with my finances and business here. Check out the Journey To Launch Podcast index here which categorizes all of the Journey To Launch podcast episodes by subject. Now you can binge on your favorite topics or type of episode. Join The Weekly Newsletter List Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! Watch me on News12  Watch my latest segments on News12 YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. Connect with Jesse: Website Instagram: @YouNeedaBudget Facebook: @iYNAB Twitter: @YNAB Connect with me: Instagram: @journeytolaunch Twitter: @JourneyToLaunch Facebook: Journey To Launch Join the private Facebook Group Join The Money Launch Club Waitlist  Jumpstart Guide

Het thema van deze viertwintigste aflevering is productiviteit. Mark en Matthijs praten over deep work, de kracht van tractie en hoe je kunt concentreren in tijden van corona. Shownotes 03:00 Wealth, shown to scale https://mkorostoff.github.io/1-pixel-wealth/ 05:57 Airforceproud95 op YouTube https://www.youtube.com/user/Airforceproud95 11:22 Nieuwsbrief Superoptimizers https://superorganizers.substack.com/ 11:45 Het interview met Nir Eyal https://superorganizers.substack.com/p/stop-trying-to-make-hard-work-easy 15:28 Getting Things Done van David Allen https://www.bol.com/nl/f/getting-things-done/9200000121657047/ 18:24 Deep work van Cal Newport https://www.bol.com/nl/p/deep-work/9200000047340481/?bltgh=mKiiaPv52AhoN0wKzmBLOw.1_4.5.ProductTitle 19:41 Die kikker-quote was dus niet van Mark Twain https://checkyourfact.com/2019/08/16/mark-twain-eat-frog-morning/ 25:54 Seth Godin over busyness https://seths.blog/2018/07/busyness/ 27:10 Elon Musk over asynchroon communiceren https://mashable.com/2012/04/13/elon-musk-secrets-of-effectiveness/?europe=true#tTbAMSQa6aqK 30:05 You Need A Budget (YNAB) https://youneedabudget.com/

Today we have Jesse Mecham, Founder and CEO of You Need A Budget (YNAB)! In this episode, we talked about how Jesse started YNAB in 2004 and how it evolved to be a remote company, his approach in delivering feedback and criticism, and the deliberate steps that Jesse took along the years to become a better remote leader Jesse also shared about YNAB’s cultural manifesto, unique questions the team uses to assess new team members, and the impact of remote work on Jesse’s family life. If you’re enjoying the podcast, please consider leaving a review on iTunes!

En el día de hoy quiero que piensen un poco en cómo fue tu educación financiera, desde que eras un chamo o una chama, que aprendieron de sus papas, que vieron en cuanto a cómo se administraba el dinero en casa, ¿había para todo, faltaba? ¿Cuándo empezaste a tomar consciencia del dinero? ¿Te hablaban de Dinero en el colegio, en la escuela? Hoy precisamente vamos a hablar de eso, quédate conmigo y descubramos juntos un poco más acerca de cómo elevar tu educación financiera. En este episodio, comparto contigo el Sexto hábito Financiero que debes crear para continuar mejorando tu economía. Eleva tu educación financiera Recursos: LIBROS: No. 1 La bolsa o la vida de Joe Domínguez y Vicky Robin No. 2 El hombre más rico de Babilonia de George S. Clason. No. 3 La transformación total de su dinero de Dave Ramsey Como bono adicional si deseas saber cómo viven los Millonarios de verdad y no los que nos venden los medios de comunicación, no dejes de leer este libro. No. 4 El millonario de la puerta de al lado de Thomas J. Stanley y William D. Danko PODCASTS: No. 1 Finanzas Orgánicas con Julio C. Cañas Y si entiendes el idioma Ingles No. 2 Optimal Finance Daily con Dan. No. 3 Radical Personal Finance con Joshua Sheats No. 4 You Need A Budget (YNAB) con Jesse Mecham. Búscalos en la plataforma de Podcasts de tu preferencia Adicionalmente te invito a que descargues GRATIS mi EBOOK Toma el control de tu economía HOY en el siguiente enlace: https://linktr.ee/marioluisperezfp Para seguir compartiendo contigo mis conocimientos en el mundo de las finanzas personales. Si quieres más información sobre mis programas de Coaching Financiero puedes hacer clic en: https://marioluisperez.com/ Además, puedes compartir conmigo tus dudas, preguntas o comentarios en: https://www.instagram.com/marioluisperezfp/ No olvides suscribirte a mi Podcast y valorarlo ★★★★★ en la plataforma de tu preferencia para seguir llegando a más y más personas y si puedes dejarme una reseña. Super.

Does talking about money totally freak you out? Us too. You can take a deep breath though. In our latest episode, Kat’s conversation with Julia Lorenz-Olson helps remove some of the pressure we feel with managing money and Julia gives some super practical financial tips for young professional women. Julia also shares about working with her husband and her experience with postpartum anxiety. Julia is a Swiss/Texan who was practically raised on the stage. Now, she adores using those talents to empower and inspire others to take charge of their own financial destiny through her company The Art of Finance. Spending several years in the mortgage industry gave her number-crunching confidence and a unique insight into investing. She’s also a self-professed foodie, budget-wizard, yogi, a vintage-clothing collector and has owned several of her own successful businesses. Her excitement for teaching people, especially other young women, about financial matters is matched only by her passion for figuring out who this Jesus-dude was, 60’s costume dramas and reading sci-fi. Links from the show: You Need A Budget (YNAB)

Building on the personal finance episode that aired as #157, which focused on getting rid of debt, Matt and Scott talk to Jesse Mecham, the founder of You Need A Budget as well as an SSOC client. You Need A Budget (YNAB) is a philosophy of budgeting based on four simple rules of money management, with some handy software tools to take the tedium out of spreadsheet data entry. This ground-up approach to budgeting bears a strong resemblance to Starting Strength's method of barbell training, starting with first principles and building toward clearly defined, actionable goals.   Jesse developed his rules as a young married man in a graduate program of accounting with a subsistence income between himself and his wife. They didn't have money, but they did begin the conversation about budgeting early in their relationship. On a fateful day a year after buying his first car, Jesse received a letter from the state department of motor vehicles informing him of the need to renew his registration... for a fee of $150. A large (and unforeseen) sum to him -- he had never owned a car before -- it highlighted the need to think about the known but irregular expenses of life and budget for them ahead of time, so he wouldn't be caught off guard. Eventually this idea worked it's way into his budgeting spreadsheet, which he offered for sale online, and You Need A Budget was born.   A complete exploration of Jesse's money rules can be found on the YNAB site, but they can be summarized as follows (and they follow sequentially): Give every dollar a job -- what you have in account today, right now. Give those dollars a job: gas, food, electric bill. Embrace your true expenses -- not just what you spent today, or will spend this week, or this month... EVERYTHING, including car tires, registration, insurance premiums, etc. Roll with the punches -- your money works for you. You get to decide what jobs your dollars will have, which means you also get to decide when it's time for them to change jobs. Age your money -- spend the money you earned last month for this month's rent. Then work toward spending money from last quarter on this month's rent, and so forth. Now you have created savings, you have dollars for an emergency fund, and you can begin investing to create wealth.   Just as Starting Strength doesn't tell you to do strong things on Day 1 (like, perform a max effort single), Jesse's rules don't tell you to make huge changes or look far out into the future at the beginning. Instead he focuses on where a person is now, in the present moment (i.e. their current account balance, not the paycheck they expect to receive at the end of next week), and helps them start allocating the resources they have. Once those resources are accounted for, the person can then start thinking about what to do with their future paycheck. A linear progression of sorts.   Check out the You Need A Budget website for more information. Jesse has also written a book about his money philosophy called, simply, YNAB: The Book.   Discounts Barbell Logic listeners can get their first year of You Need A Budget FREE. Sign up for SSOC with the discount code YNAB to save $84 off your first month, which will cover the cost of a year's worth of You Need A Budget.   Connect With Matt Matt on Instagram Starting Strength Online Coaching — Matt’s website Matt on Facebook Matt on Twitter Connect With Scott Scott on Instagram Silver Strength – Scott’s website Scott on Facebook Scott on Twitter Connect With the Show Barbell Logic on Twitter Barbell Logic on Instagram The Website Barbell Logic on Facebook barbelllogicpodcast@gmail.com

Again, this is not a paid sponsorship! In our third part of our epic finance trilogy, we discuss You Need A Budget (YNAB) and how this product has helped us set monthly budgets. --- Support this podcast: https://anchor.fm/thisismarried/support

Part 1 - Jonny Richard, Coach, Financial Strategist, Entrepreneur and Travel Hacker is a freaking rock star!! This episode series is going to bring you awareness, strategy and insight to living your life by choice. This episode is amazing because you literally watch this conversation unfold and develop piece by piece. Between experience, facts and analogies we dive deep on traveling and finding your passions. I hope you enjoy this episode mini series. As always make sure to subscribe, rate, review and share this podcast. Background on Jonny Since discovering travel hacking over a year ago, we have become OBSESSED with learning everything we possibly can about earning and redeeming miles & points for upgraded VIP travel. Over the course of just 12 months, we collected over one million points without ever stepping foot on a plane or checking into a hotel. We recently returned home from Europe on a Lufthansa flight in business class. Our seats were located in the upper deck of a Boeing 747-8. Complete with champagne, gourmet meals and lie-flat seats. Our out-of-pocket cost for this flight was just $120 in taxes and fees per person. Pretty amazing, right? In addition, while in Paris for four nights, we stayed on the 33rd floor of a beautiful hotel that offered a breathtaking view of the Eiffel Tower from the window of our room. We also had complimentary breakfast, snacks all day long and hors d’ouerves, wine and beer each evening. Total out of pocket cost for all four nights? $25 for taxes and fees. That’s it. Seriously. Upgraded travel without spending a fortune really IS possible. People like you and me are doing this every, single day. Show Notes: Travel Hack Like a Boss https://travelhacklikeaboss.com/ Southwest Companion Pass https://thepointsguy.com/guide/earn-southwest-companion-pass-new-year/ Simon Sinek Explains What Almost Every Leader Gets Wrong https://youtu.be/Ar20m23XY_c You Need A Budget (YNAB) https://www.youneedabudget.com/ Dave Ramsey's Budgeting tool: https://www.everydollar.com/ Steve Job's Quote: “You can’t connect the dots looking forward; you can only connect them looking backwards. So you have to trust that the dots will somehow connect in your future. You have to trust in something — your gut, destiny, life, karma, whatever. This approach has never let me down, and it has made all the difference in my life.” - Steve Jobs [Stanford commencement speech, June 2005] Victor Frankl "Everything can be taken from a man but one thing: the last of human freedoms - to choose one's attitude in any given set of circumstances - to choose one's own way." - Viktor Frankl, Author of "Man's Search for Meaning" & Holocaust survivor Serenity Prayer "God grant me the serenity to accept the things I cannot change; courage to change the things I can; and the wisdom to know the difference." --- Support this podcast: https://anchor.fm/self-reliant-wealth/support

Some call it frugal, I call it living simply. Today we talk all about saving money, living with purposeful scarcity and the ways in which we can extend the lifespan of the objects we own to prevent them from going to landfill too early. Today we also talk about an awesome program we use called You Need A Budget (YNAB). If you look up the program and decide it's the budgeting program for you, use our referral link to get one month free (which gives us a month free too, which is great). New episodes every Sunday, at some point. You can find the podcast on Apple Podcasts, Spotify, Google Podcasts, Anchor, Overcast and more. Contact us at practicallyzerowaste@gmail.com Instagram @practicallyzerowastepod and @elsbethcallaghan Facebook Practically Zero Waste Podcast Support the podcast at www.anchor.fm/practicallyzerowaste/support --- Send in a voice message: https://anchor.fm/practicallyzerowaste/message

Jesse Mecham: You Need a Budget Jesse Mecham is the CEO and Founder of You Need A Budget* (YNAB). He’s on a mission to help people stop living paycheck to paycheck, get out of debt, and save more money. He recently released his book by the same name, You Need a Budget*, a Wall Street Journal Bestseller. Key Points Be as vigilant with your money as you are with your time. Constraints allow us to be creative. When your options are endless, you’re frozen. Most people’s monthly budgets underestimate actual long-term expenses. Your emergency fund should be for more than just things you forgot to plan for. Budgeting is about looking forward and actively adjusting. The Four Rules for Budgeting: Give Every Dollar a Job Embrace Your True Expense Roll With the Punches Age Your Money Bonus Audio Handling allowances with your kids Resources Mentioned You Need A Budget* (YNAB) A Beautiful Constraint* by Adam Morgan and Mark Barden* The Opposite of Spoiled* by Ron Lieber Book Notes Download my highlights from You Need A Budget in PDF format (free membership required). Related Episodes How to Transform Your Limitations Into Advantages, with Mark Barden (episode 207) How to Manage Your Money, with Jill Schlesinger (episode 322) Six Tactics to Achieve Extraordinary Performance, with Morten Hansen (episode 337) Discover More Activate your free membership for full access to the entire library of interviews since 2011, searchable by topic.

Jesse Mecham: You Need a Budget Jesse Mecham is the CEO and Founder of You Need A Budget* (YNAB). He’s on a mission to help people stop living paycheck to paycheck, get out of debt, and save more money. He recently released his book by the same name, You Need a Budget*, a Wall Street Journal Bestseller. Key Points Be as vigilant with your money as you are with your time. Constraints allow us to be creative. When your options are endless, you’re frozen. Most people’s monthly budgets underestimate actual long-term expenses. Your emergency fund should be for more than just things you forgot to plan for. Budgeting is about looking forward and actively adjusting. The Four Rules for Budgeting: Give Every Dollar a Job Embrace Your True Expense Roll With the Punches Age Your Money Bonus Audio Handling allowances with your kids Resources Mentioned You Need A Budget* (YNAB) A Beautiful Constraint* by Adam Morgan and Mark Barden* The Opposite of Spoiled* by Ron Lieber Book Notes Download my highlights from You Need A Budget in PDF format (free membership required). Related Episodes How to Transform Your Limitations Into Advantages, with Mark Barden (episode 207) How to Manage Your Money, with Jill Schlesinger (episode 322) Six Tactics to Achieve Extraordinary Performance, with Morten Hansen (episode 337) Discover More Activate your free membership for full access to the entire library of interviews since 2011, searchable by topic.

Yariv Nissim joins us again and we finally get to discuss Collection Views! Sponsor: SwiftFest Conference in Boston Find out info about the conference at www.swiftfest.io 20% off tickets at swiftfest.io Code Craft-20 at checkout Things We Love Yariv 1. iPad Pro + Keyboard 2. Bear App Eman 1. You Need A Budget (YNAB)

# Show Notes for Episode 003 #1. Stay organized financially#2. Philosophies#3. Budgeting Tools ##Family Finances Beginnings Started out just trying not to spend more than we earned. Didn't help plan for future. ##PhilosophiesLive month to month or get ahead. Found a program called [You Need A Budget][YNAB] that helps set aside money for big bills that come every year, as well as build up savings. Helps prepare for big expense times like Christmas, school dues... ##Budgeting ToolsStarted with [Quicken][quick], which tracked where money was spent. Good to start off with. Different types of budgeting tools, ones for free, one time fee, monthly fee. ###Free programs:Tried [Mint][Mint] but only told where money was spent. It has probably improved since we tried it 15-20 years ago. Spreadsheets like GoogleDocs or even homemade excel spreadhseets work for some people. [GnuCash][cash] works in Windows, Linux based, and Mac computers. ###One Time License Fee Programs: [Quicken][quick] Microsoft Money was mentioned but apparently it has been disconintued. [You Need A Budget][YNAB] ###Monthly Subscriptions: [Mvelope][MV] although the basic program is free, could pay $9.95/month for the premier package. Deseret News printed an [article][DN] in 2014 comparing the Mint, YNAB, Mvelopes and Check budgeting tools pointing out the pros, cons and costs of each as well as pointing out who that program works best for. #Organized Family FinancesThere are different philosophies and purposes with each program. Find a program that you can keep up with and fits your style, and then be consistent with it. Some programs download all the expenses from your bank into your budget so you don't have to type in every expense. Monthly meeting idea came from Dave Ramsey's [Financial Peace University][FPU]. He suggests discussing and making necessary money changes each month to your budget. But both members of family budget committee needs to agree on money numbers, not just one person. Make sure you set aside money for savings, charity and bills. Plan for future big bills, pay down debts. [Dave Ramsey][debt], [Simple Dollar][SDdebt] and [YNAB][YNABmethod] philosophies all say pay off debts. We've taken concepts from several budgeting principles and applied to our own budget. Pay bills right when you get them helps keep finances organized. It works because money is already earmarked for that bill. Takes awhile before categories are set in place with the money needed for each bill. You don't have to wait for the next paycheck in order to cover that bill. ##Paying bills routine:When bill comes in the mail, pay it right away. Write down the date it was paid, web confirmation number if paid online, then file it. ##Filing bills:Take a manila file folder and staple 6-12 papers onto it and label one month per page. We used to fit all 12 months in one file folder, but now split it into 6 months per file folder. Label year and months on the file tab. When looking for a past bill, open file labeled that year, go to paper with that month, and find bill stapled to that month. Budget programs are handy when searching for a specific expense that you have no idea of the date. Search in budget program, it tells you the date of purchase, and then go to the filed month and find bill or receipt. Keep all bills stapled to monthly paper and all bills are tight and contained. ##Filing receipts: Save receipt after purchase, enter into budgeting software which also syncs up with banking program when you download. Make note onto receipt saying it's been put into budget already. Put receipt into monthly envelope. Put all monthly receipt envelopes into one file for the year. Label everything! Label files with year and month contained. Label receipt envelopes with month of purchases.   [YNAB]: http://www.youneedabudget.com/[cash]: http://www.gnucash.org[Mint]: https://www.mint.com/[quick]: http://www.quicken.com/[MV]: http://www.mvelopes.com/[DN]: http://national.deseretnews.com/article/2237/the-best-online-tools-for-family-budgeting.html[FPU]: http://www.daveramsey.com/fpu[debt]: http://www.daveramsey.com/blog/get-out-of-debt-with-the-debt-snowball-plan/[SDdebt]: http://www.thesimpledollar.com/when-your-debt-load-is-incomprehensibly-large/[YNABmethod]: http://www.youneedabudget.com/method