If you are like most people, you have no idea where your pay check went. Often you have more month left after all your money has gone.

Let me ask you, when you get paid do you pay yourself first? Do you do something fun then try to pay your bills or do you have a plan?

If you are not successfully budgeting and are frequently struggling with your personal finances then I highly recommend that you take a look at YNAB. Yes it stands for You Need A Budget.

It has 4 key rules;

1. Give every dollar a job
2. Embrace your expenses
3. Roll with the punches
4. Age your money

Do yourself a favour and check them out here, and enroll in one of their classes ( they have several). There is always something to learn. Or you … Read more