Roll with the punches: If it looks like you're spending more than the allotted amount in one category, you need to adjust the amount you're spending in another category.Whether it's a vacation or an annual premium, plan for it each month so that you don't bust your budget when it's time to pay. Embrace true expenses: Think about large upcoming purchases and break them down and integrate them into your monthly planning.This gets you to think ahead of time about what you will do with your money. Give every dollar a job: Whether it goes into savings, is spent on groceries, or pays for a trip to the movies, each dollar should be assigned to a spending category.Launched in 2003, the main thrust of YNAB is to help you create a budget that allows you to “give every dollar a job.” The app focuses on forward planning and creating a zero-based budget. YNAB is short for “you need a budget,” and that's exactly what it focuses on.
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