Budget Nerds

#94 - How Does It Feel to Be a Month Ahead? Budget Nerds Weigh In

Jul 10, 2024

Learn how being a month ahead in budgeting alleviates stress and anxiety for YNAB users. Discover the benefits of financial stability, reduced mental load, and freedom to make decisions with confidence. Hear personal stories of empowerment and peace of mind achieved through this financial milestone.

44:27

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Quick takeaways

Being a month ahead financially reduces stress and anxiety about meeting day-to-day expenses.

Achieving financial stability enables individuals to make mindful decisions regarding work and income without financial strain.

Deep dives

Increased Peace of Mind and Reduced Anxiety around Money

Getting a month ahead financially provides a sense of peace and security, reducing anxiety about meeting day-to-day expenses. By having all expenses covered for the next month, individuals experience a significant decrease in financial stress, allowing for a clearer mindset focused on other aspects of life. This peace of mind enhances overall well-being and enables more mindful decision-making regarding finances and life choices.

Intro

2min

Achieving Financial Peace: Being a Month Ahead in Budgeting

17min

Navigating Job Transitions: The Pressure to Settle for a Job That Doesn't Fit

2min

The Benefits of Being a Month Ahead in Budgeting

2min

The Value of Being a Month Ahead Financially for Variable Income Individuals

3min

The Importance of Getting a Month Ahead Financially

4min

Simplifying Financial Systems and the Benefits of Being a Month Ahead in Budgeting

12min

Empowering Family Financial Management with YNAB Together

3min

Getting a month ahead with your money is a milestone for many YNAB'ers. Being a "month ahead" means that when the first of the month hits, all your bills and expenses for that new month are already paid for -- the money for them is sitting in your bank account, and assigned to the respective categories in YNAB, waiting to cover those costs. And boy does it feel good!

In today's episode, Ben and Ernie share stories from YNAB'ers who have achieved that milestone of being a month ahead, and how it has relieved them of stress and anxiety, taken away the fear of job loss, and reduced the overall mental overhead required to keep track of when paychecks hit and when rent and utility bills go out. When you are a month ahead, you break the paycheck to paycheck cycle and life gets a lot less stressful -- at least your financial does.

Share your YNAB wins with Ben and Ernie!

budgetnerds@ynab.com

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