Growing up and learning how to manage my own finances was so much trial and error. Proper money habits or ways to handle your money just isn’t taught in public school. And when you grow up in a home where money is always tight you can be sure that you aren’t learning great money habits at home either.
It took me so many years of doing it wrong to finally come to a realization that I have to get a handle on my finances in order to have a more joyful and abundant life. Thankfully, over the years I became a Minimalist, a topic which I will cover in a future blog post. For now, let’s just say I don’t buy much stuff.
For so many years though I was constantly overdrawing my checking account and incurring horrible fees just because I didn’t know how to budget or spend my money properly. But thankfully, my colleague Rob introduced me to the life saving tool called YNAB (You Need a Budget)
YNAB is the best budgeting tool on the market. It is worth every penny as its not just a budgeting tool but also a new fresh way of looking at your money. It is focused on your personal money values and allows you to be in charge. After all, personal finance is personal. Everyone’s budget should look unique.
This is not a sponsored post in any way shape or form. I just really love the value that YNAB has brought to my life. Believe me, I still struggle with overspending but since I am not buying stuff , my spending comes in the form of experiences such as eating out, sporting events, and treating others.
However, I am always working on myself and my finances and hoping to achieve the ultimate goal of fully aligning all of my personal values with the way in which I spend and save my money. Not an easy task but ever so rewarding in life. I learn as much as I can from folks such as Ramit Sethi, Dave Ramsey, and JL Collins even if I don’t agree with everything they teach. Again, personal finance should be personal.