Niki and I have an unhealthy crush on budgeting. It’s not quite teenage-girls-for-Justin-Bieber love, but it’s close. You probably already know I have a thing for apps, so you can imagine how a budgeting app could be my digital best friend.
We’ve been using Dave Ramsey’s system of zero-based budgeting for two and a half years, and it’s been an amazing journey. We’re debt free, saving for retirement and a future home and we’re able to be generous toward people and causes we believe in.
At first, we used the cash-only system. Every single category we pulled cash out for, except for savings.
That amounted to a scary stash of cash in our home every month.
So we migrated to an Excel spreadsheet for our larger categories. We still use cash for daily expenses–groceries, entertainment, toiletries, etc., but for things like car repairs and our own personal allowances, we switched to digital tracking.
It wasn’t a great system, but it worked for us. That hardest thing was that we didn’t have a ledger or report detailing where the money went for each category–just an updated balance for the category and the date it was last updated.
We needed a budgeting app that was:
more convenient than a spreadsheet not made by Microsoft easy to use on the go good for keeping a record of expenditures a good fit with our zero-based budgeting system pretty  After lots of rave reviews about the software You Need a Budget (YNAB), we decided to pull the trigger on the desktop and iPhone software (mostly because we bought it on sale for half price. Budgeting, FTW!)
YNAB is based around four solid rules that mesh perfectly with Dave Ramsey’s plan.
Give every dollar a job. Save for a rainy day. Role with the punches. Live on last month’s income. Here’s how we’ve put it to use in our system.
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