We get into the nitty gritty of how to set up your YNAB budget: from adding accounts to setting up categories. You now have the basics of YNAB under your belt. The Fresh Start feature will allow you to keep your categories, goals, and scheduled transactions, but clear out all budgeting and transaction history. YNAB will pull in the balance as of today, and all future transactions. For example, set a goal to budget $1000 for Christmas gifts by December and spend from those budgeted funds each time you purchase a gift leading up to that date. YNAB will prompt you to budget a … Yes, you can. So, since we are all on the same page—let’s do this! And, obviously, we know you need a budget. I break my monthly bills in half and pay the first set of bills at the 2nd week of the month and the last set of bills during the last week of the month. But I pay my bills bimonthly. Hi Aquamarine Memory !. Before it does this, YNAB will save a copy of your current budget. YNAB can't make you spend less money or magically create more money in your budget. Because most months for most people are very similar month to month. I get paid weekly. If you have gotten this far, you know you need a budget. Many YNABers prefer to set up unlinked accounts and enter their transactions themselves or import a file from their bank. I have the luxury now to know that my essentials are covered and I have prioritized my spending for future things. Love it!! And, obviously, we know you need a budget. If you have gotten this far, you know you need a budget. And, obviously, we know you need a budget. We get into the nitty gritty of how to set up your YNAB budget: from adding accounts to setting up categories. It's absolutely clear that they've thought through this big time! Don’t be afraid to change numbers and update your budget as you go. There seems to be an emphasis on setting goals from day # 1 in YNAB. If you don’t want to connect directly to your bank, you can set up an unlinked account. If you have gotten this far, you know you need a budget. By setting them up in YNAB once you have the month to month set up, the quick budget by goals is awesome. We get into the nitty gritty of how to set up your YNAB budget: from adding accounts to setting up categories. I like the suggestion dakinemaui gave you. Hi, Martin! - Click on the name of your budget in the upper left-hand corner of your screen. YNAB can provide you with clarity on whether your spending is reflecting your values or information on where you are coming up short. No matter whether you use YNAB or not, at the end of the day, the only way to get ahead is to spend less than you make. :) Another idea (if you're like me and prefer to keep higher level categories instead of more granular categories) might be to set up a big category like "Subscriptions" and use Scheduled Transactions to keep on top of it. 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