Rule #1 is "Give Every Dollar a Job." Each dollar should be used for a certain expense.If you follow these steps, you will be able to save efficiently, get out of debt, and most importantly, stop living paycheck to paycheck. YNAB's Four Rules are the building blocks to help you live within your means. Plus, we named YNAB one of our Editor's Picks for the Best Budgeting Software for 2022. This process is called “aging your money”, where your money has to be at least 30 days old before you can spend it. The goal is to cover this month’s expenses with last month’s income. If you follow the “ YNAB Rules”, you will see improvement in your spending, spend less than you earn, and be ready to save for the future. With YNAB, you can deal with debt and set priorities for upcoming expenses and other financial goals. This is the perfect choice if you are looking for a system that solely focuses on budgeting rather than investing and other bells and whistles. All products and services are presented without warranty. The information in our reviews could be different from what you find when visiting a financial institution, service provider or a specific product's website. strives to keep its information accurate and up to date. And our partners can never pay us to guarantee favorable reviews (or even pay for a review of their product to begin with).įor more information and a complete list of our advertising partners, please check out our full Advertising Disclosure. The College Investor does not include all companies or offers available in the marketplace. has an advertising relationship with some or all of the offers included on this page, which may impact how, where, and in what order products and services may appear.
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