I tracked my spending for the past 3 years and still couldn't get on top of my money. YNAB was what I needed. Making myself assign every dollar a job is keeping me accountable. This is month 2 and I didn't overdraw my bank account and found enough money to buy a new sofa and computer desk (OK, they were cheap, but still!).

I am embracing my community and resources. That includes letting my pride asside as a single mother and applying for Food stamps until I can get back on my feet. I budget my EBT groceries weekly so I am sure they will last the whole month and try to limit eating out.

I've been trying to think of ways to reduce our expenses and one thing I've started asking myself is, "Can this problem be solved without money?" I didn't realize how often my knee-jerk response was to spend money. Trouble organizing my kitchen? Spend money. Recycle bin too small? Spend money. I'm trying to be more creative now. This idea is still in early development.

If YNAB has a calendar for spend planning, that will be really awesome. We can mark days that we want to implement no spend days with notification on the actual day and budgets are frozen for the target date. Also, it calendar spending view instead of transaction list gives additional insight of spending behaviour. Maybe there are days that you spend more or day that it is easier to implement spending restrictions. YNAB is awesome now but there is still something we can do as additional feature.

I love your videos, Hannah. You make me feel like a normal person when I'm not a Dave Ramsey-level YNABer. Thank you! Much love to you, friend.

"No guilt budgeting" is freedom life for me! Thanks

Our library loans baking pans & molds. They also loan puzzles and games

HIFH videos are the best. I love her humor (and of course, her tips). YNAB has been life changing for us and is helping us live on one police officer’s salary (read: public servant, not much money) so I can homeschool our kids.

I pay annually for subscription streaming services. When they come due, I may not renew some of them. I’m saving now like I’m going to renew them, but I may just pay for a month or two periodically and watch the heck outta them. Love YNAB it has really made budgeting better and simplified my accounting.

My grocery store offers fuel points. 1 point for every $1 you spend. 100 points =$.10 off a gallon of fuel. Every once in a while they offer 4x fuel point Fridays… $1= 4 points. The most points I’ve racked up in a month was 1200, or $1.20 off a gallon of gas. Two things to say here. A) all points must be used by the end of the following month AND the most amount of points used at 1 fill up is 1000 points or $1 off at the pump. I monitor my points and split them out according. My vehicle is an F350 diesel. Every little bit helps…

I find if I ask for the receipts and hold on to them for the month I"m in, and even printing out receipts from purchases I made online really makes me aware of my spending. Can't deny those receipts!

The library is such a fantastic resource. If you're into audiobooks, try your library. Mine has tens of thousands of audiobooks that I can download to my phone instantly for free, and ebooks too. I don't need to buy from Kindle or pay monthly for Audible. At the physical locations, my library not only has books, magazines, movies, and CDs, they also have board games, video games, and even Chromebooks you can check out. As for activities, mine has book clubs and free classes for adults, and TONS of free activities and events for children. Definitely check out your local library and take advantage of all the FREE things that are right there for your enjoyment!

I started using YNAB a year after I bought my first place; I was having a hard time keeping track of all the new bills, obligations, etc. I started my budget journey in December 2020 and just over a year and a half later I've been able to save TWICE the down payment I put down for my home giving me the security of 6 months of expenses, including vacation funds! Thank you for all the tips, I

I just signed up for Walmart grocery delivery because the prices you pay are the same in store versus Instacart. I work from home and get busy and I don’t have time to shop at the store so this decision works for me and I cook my meals at home.

I made my own fancy fruit cups for the kids and packed popcorn..and..wrapped..hot hot dogs in foil.....I can't afford local fair prices. They kids LOVED the rainbow fruit cups exc. I packed it all in disposable so I could throw it all away. (normally I am about reuse exc but we were out for 8 hr with no real base.)

Boy oh boy do I need to get back on track with my budget and saving... Was on a great roll through spring and saved up a lot, getting my finance in order. Then summer vacation came (5 weeks here in Scandinavia) and at the same time my laptop crashed and had to be taken to the shop to get fixed. Being without a laptop and on vacation I just ignored updating my budget. Now that I got my laptop back? A total disaster. Thank goodness for the Start fresh -feature. It's painful to see the reality spelled out for me in my budget, however I've seen the magic of budgeting before and I know it won't take too long to get back on track with it. And I guess I've done the hard part today: I opened the budget and saw the damage I've done. Now I know what to do going forward, because I've done this before.

One of your best videos and that’s saying a lot. Packed with great info and delivered in a way that only Hannah can. Thank you for educating AND entertaining at the same time!!!

I had slacked with YNAB for about six months; got back in the saddle the other day, watched this video and I've already found FIVE subscriptions I could cancel totally without pain.

The no-spend day is something I'm going to give a whirl!

My money saving tip is to only use half the recommended amount of detergent for any cleaning product. I also use white vinegar instead of fabric softener in my washing machine. Clothes smell clean and it eliminates the slimy mess inside the fabric softener dispenser in the washing machine.

Hannah, always love your videos. I do some of the things you suggests here. I will say I only use food delivery or pickup shopping options sparingly. I use shopping list so I don't spend excess money on the extras. That way I can avoid the extra fees from using like Instacart. Plus keeping my grocery bill higher than normal allows me to buy the higher quality food that I prefer to be healthy and just avoid eating out when I can. I live in a rural area so must stock up when I go to town, then telework the rest of the time.

Hey, Hannah! The tip #5 is super good! However, it may be not very practical. Meaning: Month 12: 518.25 Month 11: 473.25 Month 10: 428.25 Month 9: 383.25 Month 8: 338.25 Month 7: 293.25 Month 6: 248.25 Month 5: 203.25 Month 4: 158.25 Month 3: 113.25 Month 2: 68.25 Month 1: 23.25 In the beginning it will be easy. After 5 or 6 months, things start getting harder. The abovementioned are the amounts deposited per month in order to reach the amount you said.

I just recently got rid of FB and IG apps on my phone because I need a break from all the targeted ads that had me constantly tempted to buy things.

After having a vehicle totaled and the loan being paid off, I was able to pocket some money, put a down payment on a new car, used some for maintenance for the new car and then paid off our phones so our phone bill went down $100 a month! Now I just need to look for new car insurance!

I take those small dollar amounts left on "credit card" style gift cards, and use it to reload an amazon gift card. I know there's always something on amazon that I will end up buying, but this way, it takes it off the overall purchase. So many stores only allow one credit card, so those credit card gift cards become useless. This way, I am still using them.

We use a food delivery service (hungry root) and decrease food waste and unnecessary spending at the grocery store. Same price every week making it very budget friendly

Some churches (like mine) have a clothing closet...free clothes all neatly hung like a real store but free! I got all my boys' clothes from there. I got shorts for me. My Mom and MIL like to get my kids clothes so I try not to buy clothes for them if a holiday is coming up!

Great tips plus a dose of humor. More please!

YNAB is helping me a TON...I keep trying to think do I really need this? Can I make it? Example I give my kids quarters for doing their chores. I use a mason jar....I thought maybe I should buy a bank shaped with the letter of their first name- inter YNAB- really can't afford it for all of them...what about cute lids with a slot in them $1 each!....still spending...I thought I need to be creative...I used bright color paper cut a slot and screwed the ring on. Beautiful...you know what the younger ones busted the paper trying to get money out with their fingers instead of unscrewing the lid.....glad I didn't pay for slot lids!

Every so often, when you leave something in an online shopping cart, the merchant may send you a promo code to try and close the sale. Another benefit to sleeping on it.

Love your humor & money tips 😂❤😅

Hi, there again! Fellow Kansan from another video. Wait, your budget has a category for Disc Golf AND ya'll from Kansas?! Did we just become best friends?

"That's a big jar" :D

I recently switched from AT&T to Cricket - I would pay $94 /mo (after paying off my device). I just prepaid for a whole year at $340. I may upgrade my plan, but still miles cheaper.

Hannah, May I ask the name and location of the library with the recording studio? That sounds AMAZING!

I threatened to cancel my NYT subscription and they gave me a 50% discount for the next year... and after they raised it after a year I threated to cancel again and .. they lowered it! they really do not want to lose subscribers

I owe $2000 a month on debt and bills, and make $21,800 a year. I can't get a job interview for a better paying job. I am starting to get nervous because I keep pulling from my savings.

Paused the video half way through and went online and cancelled Disney plus. Still have 2 streaming services but they have shows Im currently watching:)

In california you can go into the store and get cash for the value if it's less than $25. It's the law. :D Edit: most of California's libraries have Libraries of things

Hey Johnny, do you know you have to put 542,50 dollars in the jar during the last month? Jokes apart, I've been saving one Euro every time I can for two years or so, and now my jar weights a kilogram and is only a third full 🐷 That's actually a pretty funny and satisfying habit

I get heaps of months no spend days I don't eat out..😢or take out

Hulu would be the first to go tbh.

Dang johnny

I wanna buy that pink 🐖 bank..but im not spending

Every time any finance person says 1 or 5 dollars isn't much I cringe since that is still a lot of money to me, I get what there saying but I am super broke and I'm working 2 jobs and spend as little as I can(I only have 1 non necessary expense the rest is bills I cant reduce) and am still drowning 🙃