How to Get Control of Your Spending

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One of the greatest benefits of using YNAB is how differently I think about spending. I'm learning to prioritize the things that are important to me and cut back on the rest. Here are five things I've done to help get my spending under control. 😀
(Full disclosure - I did have to get up during filming to answer the door for the UPS man. 😆)
Find the Money, First
Or, “Zen and the Art of Eating a Motorcycle” -
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Опубликовано:

4 фев 2020

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Комментарии : 60

@gpslentz 4 года назад

I have found when online shopping, if I just put something I want in my cart and leave it overnight, the urge to buy greatly diminishes by the next day, but I still get that little kick that impulse buying gives me. I love the wish list idea, which is like that.

@exerciserelax8719 4 года назад

I do the same thing. I had an $80 order ready to go on Saturday. I told myself I'd come back to it the next day and ended up deciding I could get by with only $40 worth of items. $0 would be better, but it's progress!

@mirainoivuyo984 4 года назад

“You don’t have to own it to appreciate it”. Those are awesome words of wisdom. In my 20s and early 30s I always fell in the trap of buying anything that seemed to be “sooo me” only to have it be unused as clutter in my house. Thank you for sharing such great info and tips!!

@YNABofficial 4 года назад

I can't remember where I read that idea - maybe a blog post, but I think about it often! I have a whole cabinet of adorable cat mugs that are very "me" but also very unnecessary (at least at that quantity). 🤦‍♀️😸 Thanks for watching, Terri! - Ashley

@mirainoivuyo984 4 года назад

You Need A Budget (YNAB) haha...same on the cat mugs!

@stevefreear884 4 года назад

A great quote I saw recently was ‘Living isn’t expensive, showing off is’. Taking this to heart I got rid of my decent watch and replaced it with one that cost under $20. It’s simple, accurate, waterproof and I don’t have to worry about wearing it.

@YNABofficial 4 года назад

Oh, wow! I love that quote. Definitely something to think about. Thanks for sharing, Steve! - Ashley

@KP-mo1hg 4 года назад

Ashley you are awesome. YNAB is this gem of a company, app, social media presence that will be HUGE in the very near future. I can't say enough wonderful things about you guys, and I do not give praise like this often.

@fsmoura 4 года назад

She's the best! (っ◔◡◔)っ ❤

@YNABofficial 4 года назад

Thank you for the kind words! I'm so excited about our RU-vid channel and other social media. We have some fun stuff in the works! 😄 - Ashley

@stefaniacattaneo3802 4 года назад

I love your videos here. Your voice is calming and your explanations easy to follow.

@jenstellen496 4 года назад

I’m a spender too. I just started a “no buy” year and I’m really trying to change my relationship with money. Budgeting seems daunting, but necessary. I think I finally get all of the things my dad used to tell me. I never understood why he said he was broke all the time when he had tens of thousands of dollars in his bank account.

@YNABofficial 4 года назад

Jen, a "no buy" year?! That's incredible! 🙌 And your dad sounds very wise. - Ashley

@sherrimciver8859 4 года назад

I've found decluttering - which Ashley talks about above- a great antidote to overspending.

@FrugalOverFifty 4 года назад

This is such an encouraging and inspiring video. I really appreciate the combination of personal experience and detailed suggestions. Thank you so much!

@freedominabudget 4 года назад

Yesss! Creating a wish list is a game changer!! I also keep a wish list for things I want but can wait on and then when my birthday and Christmas comes I give that list to my family. They LOVE it because they know specifically what I want!

@YNABofficial 4 года назад

Hi, Kelly! Oh, that's a great idea 🎁 - thanks for sharing! - Ashley

@SimplySarah84 4 года назад

This was a great reminder and a motivator to check in with my husband and make sure we’re in sync about “finding the money first”. We both see each other’s spending as permission to spend ourselves so things can get out of hand quickly if we don’t stop and check ourselves.

@melissamonson9792 3 года назад

Omg, love this video and YNAB! I have always been a spender and have been envious of my friends who are naturally so good at being savers. I felt like there's something wrong with me because I love to spend! How do I become a saver?! I used to struggle with money so much before YNAB. Before YNAB, I remember only checking my bank balance and not having enough money to cover checks, etc. and I got overdraft fees. I also remember trying so many different budgeting apps that I just never stuck with because it wasn't easy and it didn't resonate with me. I feel like so many budgeting apps are so shaming. YNAB is so inclusive, easy-to-understand, and relatable. You guys and gals at YNAB are the best.

@nancykwan4288 4 года назад

This was amazing! So eye opening! Thank you!!!

@FaithWolper 4 года назад

I love that you disclose that you had to answer the door for the UPS man during the filming of this video! Thanks for making it so real. Your steps are very motivating. 😎

@sunhale 4 года назад

I loved this video! Some of this I do already, and some a great reminder and great new ideas too! Thanks for posting

@ChelseyTschida 4 года назад

Thanks, Ashley! Love #4. I've been trying to be better about checking the app BEFORE I spend. I have also started tracking my purchases immediately after I make them. This habit helps me to slow down my spending because I see how my purchase empties my categories. In the past I would buy bunch of stuff at different stores and track later. I wasn't feeling the loss of money immediately so I didn't register how my spending was affecting my budget (in the same way using cash makes you more aware of your spending).

@ayannafraleymoore5265 4 года назад

Love the “Find the Money First” mindset!

@virtualinspector8337 4 года назад

This video is worth rewatching. Very informative and helpful. Thank you so much

@YNABofficial 4 года назад

So glad you found it helpful, Dayib! - Ashley

@pepperloop6049 4 года назад

I am definitely a spender, as well. Much better than I used to be, but still have trouble sticking to the budget. Thanks for the great tips.

@marcb2120 4 года назад

I bond with wish lists while online shopping. Sometimes I find I don't want it later, I find something better, or cheaper, or I give myself time to budget properly for it in the future.

@jessicaash4152 4 года назад

I love this video!! I am creating a wish list and doing a spending freeze. My goal this year is to get my budget on track. Thank you Ashley! I love your content.

@YNABofficial 4 года назад

That's awesome, Jessica! You've got this! 💪 - Ashley

@brittanyfreeman9101 4 года назад

Loved this video Ashley! Lots of good tips. I tried the app last year but I think I need to read the book first before it makes sense. I’ve definitely cut back on my spending budget within the last year and am trying to get to a better place with it.

@YNABofficial 4 года назад

Thanks, Brittany! The book helped me to really understand the YNAB method. We also have a course on our RU-vid channel called "Four Rules for Less Money Stress." It goes over the same principles. 😀 - Ashley

@zfilipov 4 года назад

I LOVE IT!

@jennsuri 4 года назад

Really enjoy all your videos Ashley!

@YNABofficial 4 года назад

Thanks so much, Jenny! - Ashley

@HaleyBudgets 4 года назад

February is a no-spend month for my family (with the exception of a new bed and allowance made possible by our tax return). I'm thinking about mandating no-spend months every other month, so we build up to getting out of the pacheck to paycheck life faster!

@YNABofficial 4 года назад

That sounds like an awesome plan, Haley! 👏 And congrats on the new bed. I got a new mattress recently, and wow! I didn't know what I had been missing. 😴 - Ashley

@corriemiracle8331 4 года назад

Yay! I'm getting in control asap! I wanna be like you when I grow up

@YNABofficial 4 года назад

I'm adding a budget category for cookie decorating tools so I can be like you when I grow up! 😂 - Ashley

@conureron3792 4 года назад

Find the money first was a funny, yet profound article. The sub title was an attention getter: eating a motorcycle. In effect he did! Budget-wise.

@YNABofficial 4 года назад

I think about Dave and his motorcycle often. 🏍 Glad the article resonated with you too, Ronald! - Ashley

@jamesmeyer2365 4 года назад

Great video. Great topic. Great suggestions.

@YNABofficial 4 года назад

Thanks, James! - Ashley

@jeniferfleming2670 4 года назад

Love this video! I’m going to rewatch it with my husband later.

@YNABofficial 4 года назад

Thanks, Jenifer!! - Ashley

@exerciserelax8719 4 года назад

I'm still working on avoiding the temptation of seeing some shiny new thing and telling myself I "need" this right away and I'll make up for it by spending less next month (which of course never happens). But having a budget has definitely helped me put off some of those impulse buys and forced me to see how spending on one thing directly reduces the money I have for something else, which might be more important although not as immediate.

@tomapatenas 4 года назад

Subtítulos en Español !!!!!

@YNABofficial 4 года назад

Hi! If you have Subtitles/closed captions turned on, you can have RU-vid translate those for you! In the bottom right corner of the video, click Settings > Subtitles/CC > Auto-translate > Spanish. Hope that helps. 😀 - Ashley

@Magdalena287 4 года назад

I always think these type of budgeting videos are cute, women my age or a little younger who talks about budgeting when you're single or married with 2 incomes and no kids. I'm 32, married with a 1 income household of only 55k (before taxes) and we have 5 kids. We own our home, own 2 vehicles, have 3 months of savings, and make sure we at least put 5k Into our Roth every year. Let's see some budgeting from people that actually have a challenge not someone who tells me not to shop everyday lol.

@YNABofficial 4 года назад

Hi, Valerie! Wow! Sounds like you and your family are doing great - that's awesome. 😀 I'm sharing what's helped me get control of my spending as someone new to budgeting consistently, but the plan is to get more YNABers on the channel to share their different perspectives. Thanks for watching! - Ashley

@heathermiracle7154 4 года назад

Poor sister! How did she handle it? Do you two still talk?

@YNABofficial 4 года назад

She loves to retell that story as often as possible - to my great annoyance. 🤣 - Ashley

@StevenAndTraceyJiles 4 года назад

Great tips, but the UPS guy as a good friend when your husband's away part, you may want to edit out. Just sounds a bit strange...

@fsmoura 4 года назад

LOL! And don't forget the milkman, as well! 😂

@kjw79 4 года назад

I agree with them, were pointing out to her that the wording she used did not quite match what she intended to say. They in no way said anything inappropriate, it was your trolling comment that was ugly and bullying.