One Step At A Time.

The long road to financial independence.

Tag: budget

YNAB: Getting out of credit card debt and living on last month's income

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Did you get started with a YNAB budget?

If you are in the lucky situation, that you were able to implement all of YNAB rules immediately, then this article is not for you.

If you are like many of us, you will have problems to live on last month's paycheck. And you will have some credit card debt.

Time to do something about it!

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YNAB Basics: How to get started budgeting

Do you live from paycheck to paycheck?

Is your debt getting bigger and bigger?

You constantly worry about money?

That sounds like me a years ago. Until I started to budget.

Today I save more than half of what I earn. I am quite confident that I can retire in less than 15 years.

Whatever your financial goal is: A budget can help you reach it! No self-deprivation involved. Just you telling your money what to do.

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Basics: Saving for a rainy day

How often do you get surprised by live and are not prepared?

How often do you use your credit card to pay for these little emergencies?

In this blog post, I will show you how to be prepared financially next time.

How next time the car breaks down it will be no financial catastrophe at all.

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Getting rid of ads

I do not read advertisements. I would spend all of my time wanting things.

Franz Kafka

Often I feel bad after watching an ad, reading an article about the next health gadget, after watching Apple keynotes or browsing on Amazon.

I feels like I have a hole in the stomach. I have to fight internal fights. Shall I buy the thing I didn't even know about a few minutes ago?

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