Budget Nerds #119 - Lauren's YNAB Categories (PLUS How She Breaks the Multi-Currency Rules)
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Jul 2, 2025 Join Ben and Ernie as they chat with Lauren, an expat in South Korea, about her creative approach to budgeting in two currencies. Discover her unique strategy of maintaining one budgeting plan while navigating USD and Korean Yuan fluctuations. Hear insights on evolving budgeting strategies over 15 years, the fun of blending cultural traditions, and practical tips for managing expenses abroad. From personal development to humor in food culture, this conversation is packed with useful tips for anyone handling finances in a global environment.
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Lauren's Korea Move Story
- Lauren moved to South Korea to reconnect with her Korean heritage and explore teaching English.
- She appreciated the benefits like housing and found teaching in rural schools an immersive, small-class experience.
Single YNAB Plan Long-Term
- Lauren has used the same YNAB plan since around 2015 or 2016 despite many life changes.
- She merged finances with her partner without starting fresh and adapted categories over time.
Flexible Subscription Budgeting
- Keeping software and subscription categories flexible helps manage changing costs and new services.
- Setting aside a buffer lets you quickly adapt to new or canceled subscriptions without stress.