3 Tips for Sticking to a Tight Budget 

I spend money on my nails once a month. We also have a lady clean our home. I have zero guilt. I'm providing income for 2 great ladies in our community and it takes so much stress away. I realized when the house was a wreck I wasn't able to be the parent or wife I want to be.

Truly grateful that this channel is back with direct, relatable, and immediately applicable and actionable advice!

Love the sign in the background (sorry, my mind wanders at times) "MAKING IT UP AS WE GO""

Need to apply that 1% better a day to my weight loss, too!

Let me know what your favorite thing to spend money on is! Quick Jump Sections 0:00 - Intro 0:33 - Tip #1 2:45 - Tip #2 6:03 - Tip #3

I like spending money on my garage. To be more specific, my home gym and woodworking. During the pandemic, I've made the switch to working out at home. I've had to purchase some additional equipment to round out my typical movements. I've found I really like working out at home. I do miss the community of my gym, and will go back eventually, but in a different manner. Due to the pandemic, I also started focusing on some DIY home improvements with my wife. I stumbled upon woodworking and found it to be very satisfying, even relaxing. My profession is in IT security. Working with my hands is the kind "change of pace" that brings a smile. Overall, my wife and I have been honing in our spending to be about experiences, rather than things. Our house is a sanctuary and will continue to get dollars assigned appropriately. But, we are learning to spend less on stuff that doesn't bring a meaningful experience to our lives.

I live on tight budget always. Even when I made better money. I feel like money doesn't buy happiness. I mean you need money, but as soon as you have basics covered you are satisfied. I do not live to work, I work to live. You can live as minimalist with tight budget for months on one payroll. This is what I could, but I didn't. When you get better paid work, you are going to spend... I spent too much even when I was "tight". Now I am tighter and my income is less, but I live happy and satisfied. These tips are so great, thanks!

I love spending money on books. I keep telling myself that I need to stop, but now..... I can just budget for that spending.

Would love to see more YNAB related videos for small businesses and profit first videos!

Great advice! So much better to spend on what's important vs. having guilt for buying things that don't matter.

Once again, very helpful video.

Love this video, really sound advice. Made me think of what I want to next. Thank you

I definitely needed this. Had to cut out a lot to focus on essentials and debt, and it’s been hard.

Great advice!

Solid advice😎🔥

After starting YNAB in March of 2020 - and having a call with you Nick, we’ve been able to really dial in our budget and focus on our future early retirement plans and seriously increase our investment budget lines. It’s exciting to keep finding more money in our budget to move to our investments. Grateful for your advise. This video is spot on! It can be depressing when you feel like you are just sacrificing all the time, but having a vision of what you’re working towards makes it so much easier. Great job!

Great video! Its the trajectory not the current state

I do enjoy spending on my conures. Looking, in fact, to expand the aviary. So I started a fund to get another aviary for a couple of birds. Also, “spending” on investments. Yeah, I shouldn’t be investing when I am still trying to pay down debt! I just got caught up in it. That joy does wane when the market drops, though. I think, now, I need to get back focused on paying down the debt - at least for the next 6 months. Once “debt-free” I can look at investing some more or accumulate savings - to build my emergency fund.

Pets for me too Nick. Although I think I need to increase this area of my budget a bit so need to find a few places to cut from 😃

How are the kayaks coming?

Nick mentions McDonald’s, RU-vid advertising McDonald’s... 🤔