Tips for Moms: Budgeting

OK, so Sam and I have never really been the best at budgeting. We tried to a couple of years ago and it just didn't stick. We have complicated finances so it can get tricky. One of my goals last month was to set up a budget (and stick to it!). After hearing rave reviews about You Need a Budget (aka YNAB) from Joni and Whitney, we are giving it a trial run. I really love it because it works like the envelope system and you're penalized for going over budget by the negative balance carrying over to the next month. I like it because you can set up all sorts of categories like "Christmas" or "vacation" or "gettin' your nails done." Whatever is important (or just fun!) to you. You give all of your money a job each month and then put it to work.

Have you guys found a system that works for you? Do you use YNAB?

ps. I love these little office reminders. Taking one of them to heart... right now.

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