This practice evens out your cash outflows, decreases your stress, and helps you make better decisions. Consider insurance premiums, birthdays, holidays, charitable giving, car repairs, etc. Break those expenses into manageable monthly amounts. Look ahead and identify the larger, less frequent expenses that tend to sneak up on you. Pick your priorities, and make sure your dollars are helping you move closer to the things you care about most. Take your cash, checking, and saving accounts and assign jobs to that money. The YNAB philosophy is centered around these four rules: A liberating, enabling, empowering budget will actually make you feel more free, not more restricted. With a budget, you'll break the paycheck-to-paycheck cycle, get out of debt, and save more money. You Need A Budget will teach you four simple rules to completely revolutionize the way you think about managing your money. But your initial instinct couldn't be further from the truth. For most people, budgeting conjures up the same feelings as, say, prison and dieting.
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