Money Q&A | YNAB, Retirement Savings, Impulse Shopping

Description

Wow! Didn't expect this "Let's Talk about Money" video to be so long! I've included timestamps down below, so you can skip around.
Show More Wow! Didn't expect this "Let's Talk about Money" video to be so long! I've included timestamps down below, so you can skip around.

Thanks for letting me share my love of budgeting with YNAB - it's been an incredible year, and I'm excited for the next. : )

◦ The budgeting app/website that I use, You Need a Budget (YNAB for short): https://www.youneedabudget.com/

◦ Video - 10 Tips for Sticking to a Budget: https://youtu.be/D6CNhKoqW4E

◦ Video - Let's Talk about Money | YNAB's 4 Rules: https://youtu.be/fkM1Gi9BWS4

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QUESTIONS & RESOURCES
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Links are affiliate links. If you choose to use them, thanks! : )

1. Where were you the most surprised by the amounts once you started tracking? :55

2. Not a specific number, but I'm always interested in what percentages are going where. 1:28

3. Before YNAB, how were your husband's and your ideas about money different? 2:17

4. I want to travel but also want to save? How do I do that? Should I have two separate sheets? 2:45

5. We REALLY need to do this. Tips for getting started? 3:50

◦ You Need a Budget: The Proven System for Breaking the Paycheck-to-Paycheck Cycle, Getting Out of Debt, and Living the Life You Want by Jesse Mecham
https://rstyle.me/+O1NLI4AGQnI9I3UQfgxlmw

6. What was the biggest difference? Was it saving, investing, or spending habits? 4:38

7. How did you stick to the tracking? 5:09

8. Best tip for paying down credit card debt? 6:31

◦ The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness by Dave Ramsey
https://rstyle.me/+e6dfa8aknaJxK8maDq9ZTw

◦ Debt-Free Community on YouTube
https://www.youtube.com/results?search_query=%23debtfreecommunity

◦ Undebt.it: Free Online Debt Snowball/Avalanche Calculator
https://undebt.it/

9. How do you feel now that you have financial control? 7:18

10. How do you decide how much to budget for emergency house/car stuff? 7:51

11. How much should you put aside to save, paying down credit cards, starting your own business? 9:05

◦ 11 Things to Do When Starting a Business
https://www.choosefi.com/how-to-start-a-business/

◦ Popup Business School Course
https://www.popupbusinessschool.co.uk/

12. How do you stick with it? 9:59

◦ Video - 10 Tips for Sticking to a Budget: https://youtu.be/D6CNhKoqW4E

13. How do you plan for big expenses like trips that are budget outliers? 10:40

14. Tips for inconsistent income? 11:28

◦ Slaying the Variable Income Dragon
https://www.youneedabudget.com/slaying-the-variable-income-dragon/

15. Best books to start? 12:29

◦ I Will Teach You to Be Rich
https://rstyle.me/+JFOy6F4BcW0Gy6bNdDBJig

◦ The Simple Path to Wealth
https://rstyle.me/+UFNmjPuq1FHZOGuoaL16dQ

◦ https://jlcollinsnh.com/stock-series/

16. What's been something new that you've learned about yourself by learning to budget? 13:21

17. How do you balance fun money versus saving? It's hard to know when to say no or yes. 13:49

18. How many bank accounts should you have? 14:51

19. How do you stop yourself from makeup and skincare impulse buys?! This is the hardest thing! 15:46

20. Which area of spending was the hardest to keep under budget? 17:03

◦ AnyList - The best way to create and share a grocery shopping list
https://www.anylist.com/

21. Do you handle all the finances? Was your husband enthusiastic about using YNAB? 17:24

22. No ??, but thanks for recommending! YNAB helped me double our net worth in 6 months. 18:45

23. Talk about upping credit scores and why they are important! 18:55

24. When you and Jer moved in together, did you get a joint checking account or have separate? 20:36

◦ Why We Keep Our Accounts Separate
https://www.youneedabudget.com/why-we-keep-our-accounts-separate/

25. Has this helped save specifically for retirement savings? 21:24

26. Are you pursuing FI now? What strategies are you implementing after listening to ChooseFI? 21:52

◦ https://www.choosefi.com/

27. What do you recommend for investing? How much do you set aside, any tips you have!

Are you doing any investing? 23:34

◦ https://investor.vanguard.com/home/

28. How did you determine how much to allocate to each area of your budget? 24:32

29. More that I've struggled to set up YNAB! How do you stay on top of it? 24:51

◦ Nick True - MappedOutMoney
https://www.youtube.com/playlist?list=PLHokQCjONqvY6Jk38CV5avo4Di94SMwK8

30. I just hit my 1-year debt-free and investing anniversary too! Congrats! 25:40

Please let me know if you have any questions! : )

Giveaway will be open for one week! Neither YouTube nor YNAB has anything to do with it. Leave a comment down below, and I'll use a random number generator to pick someone to win a one-year subscription to YNAB. : ))
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