And, obviously, we know you need a budget. YNAB can't make you spend less money or magically create more money in your budget. Before I walk you through the nitty gritty of how I manage that, I want you to know, you do NOT need to add a tracking account. I set up my mortgage as a tracking account. I have the luxury now to know that my essentials are covered and I have prioritized my spending for future things. For example, set a goal to budget $1000 for Christmas gifts by December and spend from those budgeted funds each time you purchase a gift leading up to that date. So, since we are all on the same page—let’s do this! I’ve tried YNAB in the past, watched YouTube videos, tutorials and just cannot get it. I break my monthly bills in half and pay the first set of bills at the 2nd week of the month and the last set of bills during the last week of the month. But I pay my bills bimonthly. By setting them up in YNAB once you have the month to month set up, the quick budget by goals is awesome. Love it!! The most important thing you can do is budget for the payment and then make the payment. If you have gotten this far, you know you need a budget. Hi, Martin! We get into the nitty gritty of how to set up your YNAB budget: from adding accounts to setting up categories. There seems to be an emphasis on setting goals from day # 1 in YNAB. Yes, you can. You can set up your budget, add transactions, roll with the punches, and begin to live with your budget. It's absolutely clear that they've thought through this big time! And, obviously, we know you need a budget. Many YNABers prefer to set up unlinked accounts and enter their transactions themselves or import a file from their bank. Before it does this, YNAB will save a copy of your current budget. If you have gotten this far, you know you need a budget. If you don’t want to connect directly to your bank, you can set up an unlinked account. We get into the nitty gritty of how to set up your YNAB budget: from adding accounts to setting up categories. Because most months for most people are very similar month to month. YNAB will pull in the balance as of today, and all future transactions. YNAB can provide you with clarity on whether your spending is reflecting your values or information on where you are coming up short. I get paid weekly. YNAB will prompt you to budget a … No matter whether you use YNAB or not, at the end of the day, the only way to get ahead is to spend less than you make. So, since we are all on the same page—let’s do this! By Date: Budget and spend up to this amount by a given date. I like the suggestion dakinemaui gave you. :) Another idea (if you're like me and prefer to keep higher level categories instead of more granular categories) might be to set up a big category like "Subscriptions" and use Scheduled Transactions to keep on top of it. We get into the nitty gritty of how to set up your YNAB budget: from adding accounts to setting up categories. So, since we are all on the same page—let’s do this! I have to say that this would not have worked for me, so luckily the goals features were not available to me in the earlier version of YNAB, when I began using the software. Hi Aquamarine Memory !. Don’t be afraid to change numbers and update your budget as you go. - Click on the name of your budget in the upper left-hand corner of your screen. You now have the basics of YNAB under your belt. And, obviously, we know you need a budget. 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