Budget Nerds #95 - Managing Variable Income as a Busy Graduate Student: Jasmin Green, PhD Student UC Davis
Jul 24, 2024
Jasmin Green, PhD student at UC Davis, shares insights on managing variable income in grad school with YNAB. Topics include budget categories, financial priorities, credit card management, rent expenses, bill organization strategies, and the benefits of budgeting for non-monthly expenses.
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Pre-YNAB Financial Instability
- Jasmine Green, a PhD candidate, struggled with managing her finances in grad school's unstable landscape.
- Before YNAB, she tried multiple savings accounts as makeshift categories, feeling uncertain about spending and saving.
Guilt-Free Laptop Purchase
- Jasmin successfully saved for a new laptop using YNAB, allowing her to purchase it guilt-free.
- This highlights how YNAB facilitated intentional saving and guilt-free spending on a significant purchase.
Student Loan Payoff
- While in grad school, Jasmin paid off her undergraduate student loans using YNAB, demonstrating financial discipline.
- She saved diligently and combined several savings categories to make a lump-sum payment.