Why Your Spending Plan Isn’t Working–and How to Fix It

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Why Your Spending Plan Isn’t Working—and What to Do About It

Most frustration with YNAB isn’t a tool problem—it’s a planning problem. Let’s troubleshoot what’s really going on.

You’ve Tried YNAB… But It’s Just Not Clicking

You set up categories. You added your bank accounts.
You even watched a few videos.

But still, something feels off.
Your spending plan isn’t helping you feel more in control—it’s adding to your stress.

If you’ve ever said:

  • “I keep overspending even though I planned ahead.”
  • “My categories don’t make sense after a week.”
  • “YNAB works for everyone else… why not me?”

You’re not alone. At Master Budget Coaching, we work with dozens of clients who hit this same wall. The good news?
You don’t need a different tool. You need a different approach.

Step One: Understand What a Spending Plan Is Actually For

Most people come to YNAB looking for control. They want to:

  • Stop overdrafting
  • Save more consistently
  • Spend without guilt

But they often bring old “budgeting baggage” with them—like perfectionism, shame, or unrealistic expectations.

A spending plan isn’t about controlling yourself—it’s about giving your money a clear, flexible purpose.

If your plan feels like it’s failing, there’s a good chance the problem isn’t your willpower—it’s the setup.

Step Two: Identify the Hidden Problems in Your Setup

1. Your Categories Don’t Reflect Your Life

If you copied someone else’s category structure—or just used generic defaults—your plan won’t feel usable.

A meaningful spending plan should include:

  • Categories that match your real habits
  • Specific labels (e.g., “Takeout Fridays” instead of “Dining Out”)
  • Emotional priorities like “Giving” or “Self-Care”

Want to learn more about this?
➡️ How to Set Up YNAB Categories That Actually Work

2. You’re Planning With Money You Don’t Have Yet

YNAB’s method is built around the money that’s already in your bank account.
Planning for future paychecks creates tension and disappointment when things change.

Instead:

  • Only assign dollars you already have
  • Revisit your plan with each paycheck

This grounds your plan in reality—not fantasy.

3. You’re Not Reviewing Often Enough

Most plans don’t break because they were wrong—they break because no one checked in.

Create a simple routine:

  • 10 minutes once a week
  • Cover overspending
  • Reassign dollars as needed
  • Celebrate small wins

Step Three: Rebuild a Plan That Works for You

Revisit Your Priorities

Before you plan categories, ask:

“What does this money need to do before I’m paid again?”
“What are the most important goals in my life right now?”

This keeps your plan value-driven, not just bill-driven.

Simplify Where Needed

Too many categories = overwhelm.
Too few = confusion.

We often start clients with:

  • Fixed Expenses
  • Variable Spending
  • True Expenses
  • Goals

Then customize from there.

Use Targets, Not Just Numbers

YNAB lets you add targets to each category (e.g., $150/month for Gifts).
This adds structure and keeps progress visible.

A Real-Life Reset: Lisa’s Story

Lisa came to us ready to give up on YNAB.
She’d been using the app for four months but still felt scattered.

Her issues?

  • She copied a Reddit category list that didn’t match her values
  • She was budgeting for income that hadn’t arrived
  • She felt like moving money was “cheating”

After just two coaching sessions, Lisa’s mindset changed completely.

She built:

  • A simpler category structure
  • A paycheck-based review routine
  • A system for adjusting goals without guilt

Six weeks later, she messaged:
“I’m finally not afraid to look at my accounts. I feel like I’m in charge for the first time.”

External Link: Learn From the Source

YNAB has a great breakdown of how to recover from plan friction.
Check out their post on troubleshooting here:
When You’re Frustrated with Your Budget – YNAB Blog

Internal Link

Still unsure if your plan is working because it’s built on the wrong foundation?
Start by learning how to build a flexible spending plan from day one:
Stop Budgeting—Start Building a Purposeful Spending Plan with YNAB

About the Author

Trent Ladle is the founder of Master Budget Coaching and a YNAB Certified Coach with degrees in Business Management and an MBA. With nearly 40 years of budgeting experience, he helps clients build values-based spending plans—guided by the belief that when you master your spending, you master your life.

You Don’t Need a New App—You Need a New Approach

When your spending plan “isn’t working,” don’t throw it out.
Let’s fix what’s not serving you and rebuild something that does.

Schedule Your Free Consultation

What Changes Do I Need to Make, If Any?

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How to Adjust Your Budget in YNAB Without Feeling Like a Failure

YNAB’s fifth question helps you build resilience by normalizing change and removing the shame from budget adjustments.

You Didn’t Fail—Your Budget Just Needs to Flex

You planned it out. You stuck to the numbers. And then life happened.
Groceries ran high. The car needed a repair. Or maybe your energy just tanked halfway through the month—and takeout won.

If you’ve ever felt like a failure because your budget didn’t go exactly as planned, we’re here to tell you:
You’re not the problem. The plan just needs to flex.

At Master Budget Coaching, we help clients understand one of the most powerful aspects of the YNAB method:
Budgets are meant to change. That’s not a weakness—it’s the strategy.

This is the heart of YNAB’s fifth question:
“What changes do I need to make, if any?”

Why Budget Adjustments Feel So Hard

Traditional budgeting teaches rigidity. You set a number and “stick to it.”
If something changes—especially in your control—it feels like a personal failure.

This mindset leads to:

  • Guilt over small adjustments
  • Abandoning the plan altogether after a misstep
  • Labeling yourself as “bad with money”

But YNAB flips this completely. The expectation is not perfection—it’s awareness and adaptability.

How to “Roll with the Punches” in YNAB

YNAB has a built-in feature and philosophy called “Rolling With the Punches.”
It means you move money between categories when life shifts—no shame, no penalty.

1. Open the Budget and Breathe

See a negative category? Don’t panic. That red number is simply information.

2. Reassign Dollars

Cover overspending by pulling from another category that’s less urgent this month.
Example: Move $40 from “Dining Out” to “Groceries” if food ran high this week.

3. Ask: What Changed?

Was it a one-time emergency? Or a recurring underestimation?
If you keep adjusting the same category, it might need a permanent increase.

4. Adjust Goals If Needed

If you’re not going to meet your monthly savings target, don’t delete the goal—revise it.
Small, consistent contributions still move you forward.

YNAB explains this beautifully in their own words:
Rolling With the Punches – YNAB Blog

What Real Budget Flexibility Looks Like

Let’s say your car repair wipes out your “Emergency Fund” category.
Instead of giving up on the rest of your plan, you reassign dollars from your “Vacation Fund” temporarily.

Now the repair is paid—and your plan is intact.

Then next month, you rebuild the vacation fund. No guilt. No spiral.
That’s the YNAB difference.

Real-Life Example: Kevin’s Mid-Month Reset

Kevin, one of our coaching clients, came to us frustrated. Every month, he’d overspend in small areas—coffee runs, school lunches—and end up feeling like a budgeting failure.

Once we walked him through YNAB’s adjustment tools, he stopped panicking.

Now he checks in every Friday and makes micro-adjustments in 10 minutes or less. His savings rate actually improved—because he stopped abandoning his plan and started working with it.

Why This Question Unlocks Long-Term Success

“What changes do I need to make?” isn’t just about this month.
It’s a lifelong mindset shift that helps you:

  • Stay calm in uncertain times
  • Make confident financial decisions
  • Build habits that stick—because they’re flexible

How to Make Budget Changes Without Shame

  1. Schedule a Weekly Check-In
    Budgeting is lighter when it’s regular. Make adjustments part of your rhythm.
  2. Document the Change
    Use YNAB’s Notes feature to remember why you moved money. This creates clarity and prevents accidental pattern-blindness.
  3. Celebrate the Adaptability
    Every time you make a smart change, you’re building financial resilience. Track your wins—not just your categories.

Internal Link

Before you can adjust with confidence, you need a spending plan built on purpose.
If you missed it, start here:
Stop Budgeting—Start Building a Purposeful Spending Plan with YNAB

About the Author

Trent Ladle is the founder of Master Budget Coaching and a YNAB Certified Coach with degrees in Business Management and an MBA. With nearly 40 years of budgeting experience, he helps clients build values-based spending plans—guided by the belief that when you master your spending, you master your life.

Need Help Resetting Without Shame?

Budgeting success isn’t about perfection—it’s about adaptation.
Let us help you turn “off track” into “back on purpose.”

Schedule Your Free Consultation

prepare for irregular expenses

What Goals, Large or Small, Do I Want to Prioritize?

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How to Set Financial Goals with YNAB (And Actually Reach Them)

YNAB’s fourth question helps you stop treading water and start building the life you actually want—one decision at a time.

Why Does It Always Feel Like You’re Just Getting By?

You pay the bills. You watch your spending. You might even budget.
And yet… your savings barely grow. That dream vacation stays on the back burner. Your car fund never quite gets there.

You’re not reckless—you’re responsible.
So why does it feel like you’re always reacting, never building?

At Master Budget Coaching, we hear this all the time from clients who are great at keeping their heads above water—but feel stuck in financial survival mode.

The turning point?
Asking YNAB’s fourth question:
“What goals, large or small, do I want to prioritize?”

This question isn’t about cutting more. It’s about choosing on purpose.

The Real Cost of Not Setting Financial Goals

When your budget lacks a clear direction, you drift.
Your dollars do their job for today—but they don’t build anything for tomorrow.

Without goal-setting, you’re more likely to:

  • Spend impulsively, even when you “have a budget”
  • Abandon savings efforts halfway through
  • Let your values take a back seat to your obligations
  • Feel discouraged, even when your numbers look okay

And maybe the most dangerous consequence?
You stop dreaming. You tell yourself, “That’s not realistic.”
Not because the goal is out of reach—but because your money doesn’t have a roadmap.

How YNAB Helps You Set—and Actually Reach—Financial Goals

YNAB isn’t just about tracking transactions. It’s about assigning dollars to what matters. And one of the most powerful tools in the app is Savings Targets.

What Is a Goal in YNAB?

In YNAB, a goal is a category with a specific outcome:

  • Save $1,500 for a vacation by July
  • Build an emergency fund of $5,000
  • Pay off $400/month in debt
  • Put $100/month toward holiday spending

You can create Target-Based Categories that include:

  • A total amount
  • A due date or monthly contribution
  • A visual progress bar to track success

This turns an abstract wish (“I should save for this someday”) into a clear, doable plan.

3 Ways to Use Goals in YNAB

  1. Long-Term Aspirations
    Want to buy a house, change careers, or start a family? Break it down in YNAB with a timeline and monthly targets.
  2. Short-Term Wins
    Saving for a concert, gift, or weekend trip? Use a category with a simple savings target. The confidence boost is real.
  3. Seasonal or Recurring Needs
    Set annual goals for holiday gifts, property taxes, or insurance premiums. YNAB’s True Expenses approach makes these manageable.

How to Set It Up

  • Choose a category that reflects your goal (e.g., “Trip to Spain”)
  • Click “Create Target”
  • Choose “By Date,” “Monthly,” or “Needed for Spending”
  • Watch your progress bar fill as you fund it over time

More details available here:
How to Set Financial Goals in YNAB – Official Guide

What Happens When You Give Your Dollars a Mission

Let’s imagine:

  • It’s March, and you already have $400 saved for your December holiday travel.
  • Your car registration is due next month, and you’re not sweating it—because the money is already waiting.
  • You’re finally contributing monthly to your emergency fund.

And best of all?

  • You made progress on something deeply personal: starting a business, planning a sabbatical, or giving generously to a cause that matters.

That’s not just budgeting. That’s living with financial clarity.

From “Maybe Someday” to “Here’s the Plan”

Every financial goal starts with intention.

Start Here:

  • Open YNAB
  • Choose 1–2 goals that matter most right now
  • Set up categories and targets
  • Fund them—even if it’s only $5 at first

Then watch what happens:
Your spending decisions gain purpose. Your budget becomes a reflection of your values—not just your bills.

Want support setting this up and sticking with it? That’s where we come in.

Internal Link

The ability to save consistently for your goals comes from mastering the basics—like giving every dollar a job.
If you haven’t yet learned to assign your money with intention, start here:
Stop Budgeting—Start Building a Purposeful Spending Plan with YNAB

About the Author

Trent Ladle is the founder of Master Budget Coaching and a YNAB Certified Coach with degrees in Business Management and an MBA. With nearly 40 years of budgeting experience, he helps clients build values-based spending plans—guided by the belief that when you master your spending, you master your life.

Let’s Build a Plan for What Actually Matters

Your goals deserve more than wishful thinking.
With the right plan and the right tools, you can save for what matters—and feel good doing it.

Schedule Your Free Consultation

What Can I Set Aside for Next Month’s Spending?

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How to Set Aside Money for Next Month (and Finally Get Ahead)

YNAB’s third question helps you stop living paycheck to paycheck by funding future expenses with today’s dollars.

You’re Not Alone If You’re Always Catching Up

It’s a familiar cycle: payday hits, the bills go out, and what’s left barely gets you through. By the time the next check arrives, you’re starting from zero again—or worse, in the red.

Most people live like this not because they’re bad with money, but because they’ve never had the tools—or mindset—to plan ahead.

At Master Budget Coaching, we’ve helped hundreds of clients break free from this cycle using a deceptively simple shift built into YNAB’s method: Set aside money for next month’s spending—starting this month.

Why Living Paycheck to Paycheck Feels So Exhausting

When you’re only thinking about today’s bills, you’re constantly in reaction mode. Emergencies hit harder. There’s no room for surprises. Even “fun” money feels stressful when it’s competing with groceries or gas.

Worse, this mindset often leads to:

  • Reliance on credit cards or overdrafts
  • The feeling that you can’t plan for goals
  • Budget burnout—because no system seems to work

The truth is, most budgeting tools are stuck in a monthly framework. But real life doesn’t happen in monthly boxes. YNAB gives you a way out.

How YNAB Helps You Fund Next Month with This Month’s Dollars

YNAB’s third question asks:
“What can I set aside for next month’s spending?”

This isn’t about perfection or even covering 100% of next month’s costs overnight. It’s about building a buffer—bit by bit—so you’re always spending money you’ve already earned.

1. Use Category Groups to Plan Ahead

Create a group labeled “Next Month” and begin assigning dollars—even just $10 or $25—to categories you know are coming (rent, groceries, etc.).

2. Build the Habit Slowly

Don’t wait until everything else is covered. Start with small wins—like next month’s water bill or subscriptions. Success builds momentum.

3. Track Your Progress with YNAB’s Age of Money

YNAB calculates how long your money has “aged” before it gets spent. The older it gets, the further ahead you are. As you fund more of next month in advance, this number will climb.

4. Use YNAB’s Reporting Tools

YNAB makes it easy to see how much you’ve pre-funded upcoming categories. If you need help getting started, their guide on aging your money is a must-read:
What is Age of Money? – YNAB

What Life Looks Like When You’re a Month Ahead

Picture this:

  • It’s the last week of the month. You’re not stressed. You’re already funded for rent, utilities, groceries, and even a date night.
  • You get paid—and instead of scrambling to pay bills, you calmly assign that money to next month’s plan.
  • Emergencies are less disruptive. Unexpected expenses don’t derail your goals.
  • You finally feel in control—not because you make more money, but because you’re managing what you have with clarity and purpose.

One client recently told us:
“I didn’t realize how much anxiety was tied to always starting over. Now, I get paid and it’s like… peace.”

Start Moving Toward a One-Month Buffer—Today

Even if you’re barely getting by right now, you can start small.
Try setting aside just 1% of your paycheck toward next month’s needs. Then 2%. Then 5%.

Every dollar you pre-fund buys you peace of mind.

Want help designing a plan that works with your real life and real income? That’s what we do at Master Budget Coaching.

Internal Link

This kind of forward-looking financial security builds on the foundation you created when you gave every dollar a job.
If you haven’t already, check out this foundational post on YNAB’s first question:
What Does This Money Need to Do Before You’re Paid Again?

About the Author

Trent Ladle is the founder of Master Budget Coaching and a YNAB Certified Coach with degrees in Business Management and an MBA. With nearly 40 years of budgeting experience, he helps clients build values-based spending plans—guided by the belief that when you master your spending, you master your life.

Want to Stop Living Paycheck to Paycheck?

We’ll help you create a custom YNAB setup that lets you confidently assign dollars ahead of time—so next month doesn’t catch you off guard.

Schedule Your Free Consultation

prepare for irregular expenses

What Larger, Less Frequent Spending Do I Need to Prepare For?

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How to Prepare for Big, Infrequent Expenses Without Stress

YNAB’s second question builds financial stability by planning for the non-monthly expenses that trip most people up.

Why Most Budgets Break Down

If you’ve ever felt like your budget works great—until it suddenly doesn’t—you’re not alone. It’s a common pattern.

Maybe you’re tracking spending, paying off debt, and even saving a little. Then out of nowhere:

  • Your car registration is due.
  • Your child’s soccer season starts.
  • Your annual insurance premium hits.

Suddenly, you’re pulling from savings, relying on credit, or just feeling like you failed again.

But here’s the truth: these expenses aren’t surprises—they’re just irregular. They happen every year, every few months, or every few weeks. But because they don’t show up monthly, traditional budgets ignore them.

At Master Budget Coaching, we show clients how to prepare for these financial “gotchas” by embracing one of YNAB’s most transformational ideas: True Expenses.

YNAB’s Second Question:
“What larger, less frequent spending do I need to prepare for?”

This question pulls you out of paycheck-to-paycheck thinking and into a proactive mindset.

Instead of asking, “Can I afford this now?” you begin asking:
“What do I need to set aside now so this doesn’t wreck my plan later?”

That’s the core of financial stability—not how much money you make, but how well you handle the stuff that everyone forgets to plan for.

What Are True Expenses?

True Expenses are the big, occasional, or non-monthly bills and purchases that—if left unplanned—can derail your entire financial life.

Examples include:

  • Insurance premiums (annual or semi-annual)
  • Back-to-school supplies
  • Holiday gifts and travel
  • Car repairs or maintenance
  • Medical co-pays or prescriptions
  • Professional memberships
  • Home upkeep or appliances
  • Emergency vet visits
  • Birthdays, weddings, and family events

These are not “emergencies.” They’re just… real life. But because they don’t happen monthly, we forget to treat them like real obligations.

Why It’s Not Enough to “Remember” They’re Coming

Let’s say you know your $600 car insurance premium is due in six months. It’s tempting to just think, “I’ll figure it out when I get there.” But that’s what leads to:

  • Overdrafts
  • Credit card balances
  • Budget guilt
  • Feeling like you’re “bad with money”

Planning for True Expenses changes that story. You turn a mountain into a molehill by funding it slowly.

Six months to go? That’s just $100/month.

The Monthly Mindset Shift

When you incorporate True Expenses into your spending plan, you convert occasional expenses into manageable monthly habits.

Expense Category Total Cost Months Until Due Monthly Amount
Car Insurance $600 6 months $100
Holiday Gifts $1,200 12 months $100
Vet Visit Reserve $300 Ongoing buffer $25
Family Birthdays $500 12 months $42
Annual Subscriptions $240 12 months $20

Total monthly allocation: $287

That’s less than $10/day to avoid hundreds—or thousands—of dollars in panic spending later.

How to Set Up True Expenses in YNAB

YNAB makes this process intuitive by allowing you to set targets in each category based on either:

  • A due date and amount
  • A recurring monthly contribution

Here’s how to implement it:

  1. Create separate categories for each True Expense (e.g., “Car Insurance,” “Holidays,” “Birthdays”)
  2. Add targets in each category. Set the total and the due date or monthly goal.
  3. Fund them gradually as money becomes available.
  4. Watch the progress bar fill over time—no spreadsheet formulas required.

More detail from YNAB’s official guide:
YNAB Features – True Expenses

A Real Client Story: Caleb & Jessica’s Holiday Turnaround

Before using YNAB, Caleb and Jessica dreaded December. Every year, holiday spending threw them into a hole that took months to recover from.

After learning about True Expenses, they created a category for “Holiday Spending” and started putting away $100/month starting in January.

That December, they had $1,200 cash-ready. No credit cards. No guilt. No surprises.

“This was the first time we’ve ever felt peaceful going into the New Year. Worth every bit of planning.”

Internal Link: Back to Week 1 Foundations

None of this works if you’re still planning based on what you hope to earn.

To make True Expenses a success, you must first learn to budget only with dollars you already have.
If you missed our foundational post on that shift, check it out here:
Stop Budgeting—Start Building a Purposeful Spending Plan with YNAB

Pro Tips for Mastering True Expenses

  • Use emojis or prefixes to make these categories easy to find. Example: “ Holiday Gifts” or “ Car Maintenance”
  • Don’t wait for perfect timing. Even setting aside $5–$10/month now is better than nothing. It builds the habit.
  • Review your calendar for predictable expenses. Look at past emails, bank statements, and calendar reminders. You’ll be surprised at how predictable your “surprises” really are.
  • Expect overlap. You might be funding 10+ categories at once. That’s normal. Start small and build your list over time.
  • Name and claim expenses others overlook. Do you always host Thanksgiving? Attend a big annual conference? Send kids to summer camp? These deserve a category.

Avoiding the Biggest Mistake: Treating Irregular as Optional

One of the most common traps is pretending that non-monthly expenses are “extras.”

They’re not.

They’re essential to your lifestyle. The only difference is timing. Once you accept that, you stop feeling ambushed every few weeks and start gaining real traction.

Final Thoughts: Stability Comes from Preparation, Not Perfection

There’s no such thing as a perfect month. But you can build a system that cushions you from the bumps.

YNAB’s second question—“What larger, less frequent spending do I need to prepare for?”—isn’t just tactical. It’s transformational.

When you answer it consistently:

  • Emergencies shrink
  • Holidays feel joyful (not chaotic)
  • You become the person who’s “good with money”

Not because you cut more. But because you planned better.

About the Author

Trent Ladle is the founder of Master Budget Coaching and a YNAB Certified Coach with degrees in Business Management and an MBA. With nearly 40 years of budgeting experience, he helps clients build values-based spending plans—guided by the belief that when you master your spending, you master your life.

Ready to Stop Stressing About “Unexpected” Expenses?

If this article resonates, let’s put it into action. Master Budget Coaching offers one-on-one support to help you set up a YNAB spending plan that’s flexible, realistic, and completely personalized.

No more surprises. Just progress.

Schedule Your Free Consultation

What Does This Money Need to Do Before You’re Paid Again?

What Does This Money Need to Do Before I’m Paid Again?

Personal FinanceLeave a comment

What Does This Money Need to Do Before You’re Paid Again?

YNAB’s first question helps you allocate funds with confidence and stay grounded in your financial reality.

The Problem with Traditional Budgeting

Many people approach budgeting by asking, “What will I spend this month?” That sounds logical—until you realize that most of us don’t actually know what the month will bring. Life throws curveballs: forgotten birthdays, school fundraisers, flat tires, or friends visiting unexpectedly. And if you’re planning with next week’s paycheck in mind, those surprises can push your budget off a cliff.

This is the root of financial anxiety. You’re trying to manage tomorrow’s problems with money you haven’t received yet.

At Master Budget Coaching, we teach our clients to shift from forecasting the future to planning with the present. That’s why YNAB’s first guiding question is so powerful:

“What does this money need to do before I’m paid again?”

This one question changes everything.

Why This Question Matters More Than You Think

This isn’t a budgeting prompt. It’s a mindset filter.

By asking what your current money needs to do—not next week’s, not next month’s, but the dollars you have right now—you stay grounded in financial reality. You stop gambling on timing. You stop overspending today because you’re confident something is “coming soon.”

This question:

  • Removes assumptions
  • Reduces stress
  • Increases clarity
  • Promotes mindful decisions

It reframes your entire relationship with money from future-guessing to present-anchoring.

Step 1: Look at What You Actually Have

This question starts with one rule: only plan with the money that’s already in your account.

If you just got paid and have $2,100 in your checking account, that’s your starting point. Not your credit card balance. Not your projected income. Not what you’ll deposit after freelance payments clear.

This is what separates YNAB’s method from every spreadsheet, every budgeting app, and every personal finance book you’ve tried before. You are no longer guessing—you’re deciding.

Step 2: Identify the Gap Between Now and Next Paycheck

Now, ask: When is my next reliable income?

It might be two weeks from now, or three days. It could be a pension payment, a direct deposit, a client invoice, or something else. But it must be guaranteed.

Now that you know your timeline, you can identify what needs to happen between now and then:

  • Rent due on the 1st
  • Groceries for two weeks
  • Gas for work
  • Therapy co-pay
  • Child’s birthday gift

This list is unique to your life and timeline—and that’s the point. No generic budget knows what your actual needs are. This question demands a tailored plan.

Step 3: Assign Every Dollar a Job (But Only a Real One)

YNAB’s core principle of “Give Every Dollar a Job” starts here. Once you know what needs to happen between now and the next paycheck, you assign every dollar accordingly.

Let’s say you have $2,100. Here’s how you might break it down:

Category Assigned Amount
Rent (partial) $900
Groceries (2 weeks) $350
Gas + Transportation $120
Utilities $150
Upcoming Birthday Gift $50
Emergency Fund (buffer) $200
Fun Money $100
Therapy $130
Misc. $100

You don’t need to be perfect. You need to be intentional. That’s the difference between managing money and reacting to it.

Step 4: Be Honest About Timing—Not Just Amounts

Most traditional budgets fail because they only ask, “How much will I spend?” They don’t ask, “When will I need this?”

By focusing on the time between paychecks, you become sensitive to cash flow.

For example:

  • If you’re paid monthly and your rent is due on the 1st, but your grocery trip is tomorrow—groceries come first.
  • If your car registration isn’t due for another month, it doesn’t need a full allocation now. You can build it gradually.

This prioritization is how you avoid overdrafts, surprise charges, and panic-swipes on your credit card.

A Real Client Example: Maria’s Shift to Paycheck Planning

Maria, a teacher paid once a month, always felt broke by week three. Her old budget told her she had “plenty of money”—but her reality said otherwise. She wasn’t overspending. She was mistiming her spending.

We helped her restructure her plan based on the time gap between paychecks. She split large expenses like mortgage, insurance, and food into phases and funded categories gradually.

The result?

“I still make the same salary, but I feel like I have more money. I’ve never felt this calm about my finances.”

Common Missteps (And How This Question Fixes Them)

“I’ll just float it on the credit card.” When you budget based on current dollars, you stop relying on credit as a buffer. That reduces stress and prevents debt accumulation.

“I forgot that was coming.” This question keeps your eyes on the very next set of needs, helping you avoid surprise payments.

“I don’t have enough for everything.” You probably don’t. And that’s okay. This process forces hard—but clear—decisions. You’ll fund what matters most, first.

The Link to Longer-Term Planning

This first YNAB question isn’t just about surviving until next payday. It’s about building trust in your decision-making process. When you consistently ask what this money needs to do before you’re paid again, you:

  • Learn to pace yourself
  • Build control over spending
  • Create natural breaks for reflection

That paves the way for deeper financial planning:

  • Saving ahead for true expenses
  • Funding long-term goals
  • Building a one-month buffer

To learn more about the foundational mindset shift from budgeting to spending plans, check out Stop Budgeting—Start Building a Purposeful Spending Plan with YNAB.

External Resource Spotlight

If you want to read YNAB’s own explanation of this philosophy, check out their post: How to Budget With Variable Income – YNAB

(This article also applies to fixed-income earners—it’s all about identifying what needs to happen before more money arrives.)

Final Thoughts: This One Question Builds Stability

This question is simple, but it’s not simplistic. When used consistently, it rewires how you think about money. It brings you into the present, makes peace with your limitations, and teaches you to trust your judgment.

And more than anything else—it keeps you from planning a life you can’t afford yet.

When you start with the money you have, spend based on real needs, and allocate with intention, you build a plan that feels stable, safe, and deeply personal.

About the Author

Trent Ladle is the founder of Master Budget Coaching and a YNAB Certified Coach with degrees in Business Management and an MBA. With nearly 40 years of budgeting experience, he helps clients build values-based spending plans—guided by the belief that when you master your spending, you master your life.

Ready to Start Spending With Intention?

If this question sparked new clarity in your approach to money, we’d love to help you go deeper. Master Budget Coaching offers one-on-one support to help you apply YNAB’s method to your unique life.

Whether you’re ready to create a new system or just want a better grip on payday, we’ll walk with you every step of the way.

Schedule Your Free Consultation

what is spendfulness

What Is Spendfulness? How to Know When Your Spending Plan Is Working

Personal Finance

What Is Spendfulness? How to Know When Your Spending Plan Is Working

Spendfulness, a term developed by YNAB, is best described as the absence of second guessing.

It’s the calm that replaces the chaos—the mental peace that comes when you finally trust your spending decisions. At Master Budget Coaching, we help clients create spending plans that guide them to this powerful place. And while YNAB provides the framework, it’s the transformation we witness in our clients that makes Spendfulness so meaningful.

The Definition That Changes Everything

At a recent YNAB Certified Coaches event I attended, the concept of Spendfulness was framed in a way that immediately resonated with me and my work with clients:

Spendfulness is the emotional clarity that comes when you no longer second guess your financial decisions.

This isn’t about reaching a perfect balance or finally hitting a certain net worth—it’s about reaching a moment where your spending feels aligned, intentional, and free of anxiety.

Why Second Guessing Is the Real Problem

When most people think about money struggles, they think in numbers: overspending, debt, late payments.

But the real obstacle is often invisible. It’s the internal loop:

  • “Should I really be spending this?”
  • “Will I regret this later?”
  • “Am I sabotaging my future?”

That mental spiral can persist whether your income is $2,000 or $20,000 per month.

Spendfulness is the end of that loop. It’s the shift from uncertainty to clarity—where your plan gives you confidence instead of fear.

Want to build the kind of plan that makes Spendfulness possible?
Start with this guide.

What Spendfulness Looks and Feels Like

You won’t always recognize it right away. But over time, clients often describe it like this:

  • “I didn’t check my bank account three times before buying groceries.”
  • “I finally bought the shoes I’d saved for—and didn’t feel guilty.”
  • “I moved money between categories and felt totally fine doing it.”

Different clients. Different financial realities. Same emotional outcome: peace.

How Spendfulness Differs from Reflection or Regret

To be clear, Spendfulness doesn’t mean you’ll never make mistakes or wish you had done something differently. But it does shift the way you respond.

Here’s the distinction:

  • Second guessing is anxious, reactive, and filled with fear—before, during, and after a financial decision.
  • Reflection is calm and constructive—asking what you learned and what you might do differently next time.
  • Regret is backward-looking and often judgmental—focused on what can’t be changed.

Spendfulness frees you from the second-guessing spiral, without robbing you of self-awareness or growth.

The Framework That Enables Spendfulness

YNAB teaches five core questions that form the backbone of its methodology. They’re not just planning tools—they’re mindset-shifters:

  1. What does this money need to do before I’m paid again?
    Provides short-term clarity.
  2. What larger, less frequent spending do I need to prepare for?
    Builds foresight and peace of mind.
  3. What can I set aside for next month’s spending?
    Builds stability and reduces future anxiety.
  4. What goals, large or small, do I want to prioritize?
    Aligns your plan with what matters most.
  5. What changes do I need to make, if any?
    Makes adjustment a strength—not a failure.

Each question moves you closer to emotional stability with your money. They bring purpose to your dollars and trust to your decisions.

To learn more about how these questions evolved in YNAB’s method, visit:
The Method Gets an Update – YNAB Blog

Why It Works for Everyone

One of the most powerful things about Spendfulness is that it’s universal.

Whether you’re a freelancer with a variable income or a parent navigating back-to-school chaos, second guessing shows up. The beauty of a purpose-driven spending plan is that it works for every scenario—because it’s based on your real money, your real values, and your real life.

What If You’re Not There Yet?

If you’re not feeling this clarity yet, that’s perfectly normal.

Spendfulness isn’t something you achieve on day one. It builds gradually, every time you:

  • Assign dollars with purpose
  • Trust your plan—even if it’s imperfect
  • Reflect instead of panic when things go sideways

Even setting aside $20 for a hobby without guilt is a major win. That’s the kind of momentum we look for—not perfection, but peace.

How I See It Happen in Coaching

At Master Budget Coaching, we celebrate the big milestones—like paying off credit cards or building a month-ahead buffer—but what really matters is this:

  • A client who stops apologizing for their spending.
  • Someone who moves money between categories without feeling like they failed.
  • A parent who covers holiday expenses without using credit for the first time in years.

These are the signs that their plan is working—not just on paper, but in their heart and mind.

That’s Spendfulness.

Final Thoughts

Spendfulness isn’t a budget line item or a software feature. It’s a state of mind. And once you reach it, your relationship with money fundamentally changes.

You don’t need more willpower. You need a plan that reflects your values and evolves with your life.

Let’s build that plan together—and leave second guessing behind.

About the Author

Trent Ladle is the founder of Master Budget Coaching and a YNAB Certified Coach with degrees in Business Management and an MBA. With nearly 40 years of budgeting experience, he helps clients build values-based spending plans—guided by the belief that when you master your spending, you master your life.

Ready to Stop Second Guessing?

Start with a free consultation to explore how Master Budget Coaching can help you apply YNAB’s method to your unique life. Whether you’re trying to stop living paycheck to paycheck, build savings, or reduce financial stress, we’ll walk with you every step of the way.

👉 Schedule Your Free Consultation

Stop Budgeting–Start Building a Purposeful Spending Plan with YNAB

Personal FinanceLeave a comment

Stop Budgeting—Start Building a Purposeful Spending Plan with YNAB

Transform your money mindset by using YNAB to design a flexible, intentional plan that aligns with your life.

Why Traditional Budgets Often Fail

Most people start budgeting with the best intentions. They download a spreadsheet, create color-coded categories, and feel inspired to finally take control of their finances. But after a few weeks or months, that enthusiasm fades. The numbers stop making sense. Life throws in a few surprises. Suddenly, the carefully crafted plan doesn’t fit anymore. The budget gets ignored, and the cycle starts all over again.

If this sounds familiar, you’re not alone. The problem isn’t you—it’s the system. Traditional budgets are rigid. They expect the unpredictable to be predictable. They don’t accommodate change, flexibility, or real-life situations. That’s where most people lose motivation and assume they’re just “bad with money.”

Stop Budgeting--Start Building a Purposeful Spending Plan with YNABAt Master Budget Coaching, we believe the problem isn’t your discipline—it’s your method. Instead of focusing on restrictive budgeting rules, we guide clients to create spending plans using YNAB (You Need a Budget) that reflect their values, adapt to change, and support long-term financial growth.

What Is a Spending Plan—and Why Does It Work Better?

A spending plan isn’t just a budget with a new label. It’s a complete shift in mindset. Traditional budgets focus on limitation—spending plans focus on purpose.

When you build a spending plan, you’re not just tracking money. You’re telling every dollar what to do based on your current reality, your future goals, and your deepest values. It’s less about control and more about clarity. Less about perfection and more about progress.

  • Budgets focus on prediction and restriction
  • Spending plans focus on intention and flexibility

That difference is what makes this method sustainable—and transformative.

The Five Questions That Power Your Plan

YNAB’s updated method is built around five essential questions. These aren’t abstract ideas—they’re actionable tools that guide your spending with clarity and confidence:

  1. What does this money need to do before I’m paid again?
  2. What larger, less frequent spending do I need to prepare for?
  3. Am I spending what I thought I would?
  4. What goals, large or small, do I want to prioritize?
  5. What changes do I need to make, if any?

Every time new money enters your account, you walk through these questions. The result? A plan that evolves with you. It doesn’t just survive life’s changes—it thrives in them.

Learn more: The Method Gets an Update – YNAB Blog

Five Steps to Building a YNAB Spending Plan That Works

1. Use Only the Money You Have

One of the most powerful concepts in YNAB is “only budget what you have.” That means if you get paid today, you assign every dollar of that paycheck a job. You don’t plan based on what’s coming. You plan based on what’s in your account right now.

This alone eliminates the anxiety of forecasting. You’re not guessing—you’re deciding.

2. Break Down Future Expenses

Some expenses happen every month. Rent, groceries, and utilities come with clockwork regularity. But many important expenses don’t. Car repairs, holiday gifts, back-to-school shopping—these happen every year. Yet most people forget to plan for them.

YNAB’s “True Expenses” principle helps you turn annual costs into monthly habits. Want to spend $600 on Christmas? Set aside $50 per month. The holidays stop being a financial crisis—and become something you actually enjoy.

Learn more: YNAB’s Features

3. Track Without Shame

Overspent your restaurant category? Life happens. With YNAB, you simply move money from a different category to cover the overage. No panic. No shame. Just an adjustment.

This mindset shift—from punishment to problem-solving—is the difference between quitting and staying consistent.

4. Make Your Categories Work for You

Generic categories don’t provide clarity. If your plan has a “Miscellaneous” line that regularly eats your money, that’s a sign to dig deeper. The best spending plans have specific, meaningful categories that reflect your real life and values.

  • Rename “Entertainment” to “Friday Night Pizza,” “Movie Nights,” or “Girls’ Night Out”
  • Split “Home” into “Decor,” “Appliances,” “Yard Projects,” and “Maintenance”
  • Add savings goals inside categories so you’re not just tracking—you’re progressing

5. Roll with the Punches

Let’s be clear: plans will change. The key isn’t to stick to the plan at all costs—it’s to adjust without guilt. In YNAB, moving money between categories is normal. It’s a feature, not a flaw.

When your fridge breaks or you overspend on back-to-school shopping, your spending plan flexes to absorb the hit. That’s resilience. That’s why it works.

The Long-Term Impact of Spending Plans

Spending plans aren’t just for short-term control. They’re for long-term transformation. Because you’re constantly adjusting and refining, your plan naturally evolves with your goals. And when your spending aligns with your values, money becomes a tool—not a stressor.

Client Story: Marcus

Marcus was a freelance designer with a feast-or-famine income cycle. Every time he got ahead, the next dry spell wiped him out. He was tired of living paycheck to paycheck—especially when his income was technically “enough.”

Using YNAB, we helped Marcus:

  • Create a category for “Next Month’s Income”
  • Build a 30-day buffer using high-income months
  • Separate recurring bills from variable spending
  • Prepare for annual taxes and client-related expenses

Today, Marcus doesn’t just budget—he plans. He pays himself first, covers slow months with confidence, and no longer fears tax season.

Client Story: Allison

Allison, a mom of three, was stuck in what she called the “revolving door of overdrafts.” She had a traditional budget, but it wasn’t working. She always felt behind.

Together, we redesigned her category structure and set monthly goals for known bills and kids’ activities. We taught her how to:

  • Prioritize based on current cash
  • Say “no” to things that didn’t align with her family’s values
  • Create a sinking fund for birthday parties, soccer gear, and family trips

Six months later, Allison sent us this message:
“This is the first school year I didn’t need to put back-to-school expenses on a credit card. I can finally breathe again.”

Common Objections—and Why They Don’t Hold Up

“I’m not good with money.” You’re not bad with money—you’ve just never had a plan that works with how life actually happens.

“I’ll do this when I make more.” Clarity isn’t something you earn—it’s something you build. A $2,000/month income deserves a plan just as much as a $20,000/month one.

“I hate budgeting.” That’s exactly why you need a spending plan instead. It’s not about deprivation—it’s about decision-making.

Final Thoughts

If budgeting has left you frustrated, ashamed, or overwhelmed, you’re not alone—and you’re not broken. The truth is, you’ve probably just been using a system that doesn’t reflect real life.

A spending plan built in YNAB can change that. It’s flexible, realistic, and completely personalized. Most importantly, it puts you in control of your money—not the other way around.

Let us help you make that shift.

About the Author

Trent Ladle is the founder of Master Budget Coaching and a YNAB Certified Coach with degrees in Business Management and an MBA. With nearly 40 years of budgeting experience, he helps clients build values-based spending plans—guided by the belief that when you master your spending, you master your life.

Ready to Create Your Own Spending Plan?

Start with a free consultation to explore how Master Budget Coaching can help you apply YNAB’s method to your unique life. Whether you’re trying to stop living paycheck to paycheck, build savings, or reduce financial stress, we’ll walk with you every step of the way.

Schedule Your Free Consultation

SPENDFULNESS with YNAB; Five Questions When You Give Every Dollar a Job

YNAB

Spendfulness, a state of alignment between how you spend your money and the life you want to live, is the new philosophy behind the popular budgeting software You Need a Budget, or YNAB.

Gone are the four simple rules; Give Every Dollar a Job, Embrace Your True Expenses, Roll With the Punches, and Age your Money. Now, the cornerstone for Spendfulness is to Give Every Dollar a Job and ask yourself these five questions:

  1. What does this money need to do before I’m paid again? (the REALITY question)
  2. What larger, less frequent spending do I need to prepare for? (the STABILITY question)
  3. What can I set aside for next month’s spending? (the RESILIENCE question)
  4. What goals, large or small, do I want to prioritize? (the CREATION question)
  5. What changes do I need to make, if any? (the FLEXIBILITY question)

Mastering Your Budget with YNAB: Key Questions to Guide Your Financial Planning

While YNAB’s four rules were designed to help users manage their finances effectively, some found them restrictive. The structured approach felt like it limited flexibility and spontaneity in spending. However, rules are meant to be broken, and a more personalized methodology involves asking key questions about how you want to budget your money. By focusing on what your money needs to do before your next paycheck, preparing for larger expenses, setting aside funds for future spending, and prioritizing your financial goals, you can create a budget that feels more intuitive and empowering. This approach allows you to tailor your budget to your unique needs and goals, making it more adaptable and less rigid. Let's explore these new five questions and how to answer them as you work on your YNAB budget.

1. What Does This Money Need to Do Before I’m Paid Again?

This question helps you prioritize your immediate financial obligations. Think about your regular expenses that need to be covered before your next paycheck.

Detailed Examples:

  • Rent: If your rent is $1,200 and due on the 1st of the month, and you get paid on the 15th, ensure you have allocated $1,200 in your budget to cover it.
  • Utilities: Set aside funds for your electricity ($100), water ($30), and internet ($50) bills. If these are due mid-month, make sure you have the total $180 ready.
  • Groceries: Budget for your weekly grocery shopping. If you spend about $100 per week and you have two weeks until your next paycheck, allocate $200.
  • Transportation: If you spend $60 on gas every two weeks, ensure you have this amount set aside.
  • Childcare: If you pay $300 bi-weekly for daycare, make sure this is covered.

2. What Larger, Less Frequent Spending Do I Need to Prepare For?

Some expenses don’t occur monthly but can significantly impact your budget if you’re not prepared. Planning for these in advance can save you from financial stress.

Detailed Examples:

  • Car Maintenance: If your car needs servicing every six months at a cost of $600, start setting aside $100 each month.
  • Insurance Premiums: If your annual home insurance premium is $1,200, save $100 each month to cover this expense.
  • Holiday Gifts: If you plan to spend $600 on holiday gifts, start saving $50 each month starting in January.
  • Property Taxes: If your property taxes are $2,400 annually, set aside $200 each month.
  • Medical Expenses: If you anticipate needing $500 for dental work in six months, save about $85 each month.

3. What Can I Set Aside for Next Month’s Spending?

YNAB encourages you to think ahead. By setting aside money for next month, you create a buffer that can help you manage unexpected expenses more easily.

Detailed Examples:

  • Next Month’s Rent: If possible, start saving for next month’s rent now. If your rent is $1,200, try to set aside $600 from each paycheck if you’re paid bi-weekly.
  • Subscriptions: If you have monthly subscriptions like Netflix ($15), Spotify ($10), and a gym membership ($30), allocate $55 for next month.
  • Emergency Fund: Building an emergency fund can provide peace of mind. Aim to save $100 each month until you reach a goal of $1,000.
  • Utilities: If your average monthly utility bill is $180, set aside this amount for next month.
  • Groceries: If you spend $400 on groceries each month, try to set aside this amount for next month’s shopping.

4. What Goals, Large or Small, Do I Want to Prioritize?

Setting financial goals gives you something to work towards and can motivate you to stick to your budget.

Detailed Examples:

  • Vacation: Plan a trip by saving a specific amount each month. If your vacation will cost $2,400 and you want to go in a year, save $200 each month.
  • New Gadget: If you want to buy a new phone for $1,000 in six months, save about $167 each month.
  • Debt Repayment: Prioritize paying off high-interest debt. If you have a credit card balance of $3,000 with a high interest rate, aim to pay $500 each month to clear it in six months.
  • Home Renovation: If you plan to renovate your kitchen for $10,000 in a year, save about $833 each month.
  • Education Fund: If you want to save $5,000 for a course in two years, set aside about $208 each month.

5. What Changes Do I Need to Make, If Any?

Regularly reviewing your budget helps you stay on track and make necessary adjustments. Life changes, and so should your budget.

Detailed Examples:

  • Income Changes: If you get a raise from $3,000 to $3,500 per month, adjust your budget to reflect your new income. Allocate the extra $500 towards savings or debt repayment.
  • Spending Habits: If you notice you’re spending $200 on dining out each month but want to reduce it to $100, plan more meals at home and allocate the saved $100 towards another goal.
  • New Expenses: If you’ve taken on a new expense, like a $50 monthly gym membership, ensure it fits into your budget without compromising other priorities.
  • Unexpected Bills: If you receive an unexpected medical bill of $400, adjust your budget to cover this by reducing discretionary spending or using your emergency fund.
  • Lifestyle Changes: If you decide to adopt a pet, budget for initial costs like adoption fees ($200) and monthly expenses like food and vet visits ($50).

Conclusion

Giving every dollar a job brings awareness and intention to your spending. You build confidence in the decisions you make when you spend money and you have a feeling of contentment. With clarity and control, you'll realize a transformational relationship with money. Spendfulness; learn to express yourself, love how you spend, and thrive well beyond money!

 

By asking yourself these questions and using YNAB to track your finances, you can create a budget that works for you. Remember, budgeting is a dynamic process. Regularly review and adjust your budget to reflect your current financial situation and goals. Happy budgeting! 🎉

Trent Ladle has been budgeting for nearly 40 years and has been using the You Need a Budget (YNAB) software for 10 years, is a YNAB Certified Coach*, and is ready to share his storehouse of experience and training. Trent has a Bachelor of Science degree in Business Management and a Masters of Business Administration (MBA) degree. Trent’s love for helping people improve their lives is what drove him to begin offering budget coaching services.
Schedule your free budget consultation now!
 
*I am a YNAB Certified Budgeting Coach, which means that I have been trained to coach people on using YNAB software and the YNAB budgeting method. I have met select requirements of You Need a Budget LLC in order to receive this certification, which means that I have the ability to competently coach YNAB to others. I am not an employee of YNAB, and all non-YNAB related opinions and recommendations are my own. My views do not reflect the views of YNAB and its employees or its affiliates.

 

6 Reasons Why Master Budget Coaching is the Best YNAB Coach

Master Budget Coaching: Your Ultimate YNAB Coach for Financial Success

Budgeting, YNAB

Are you ready to take control of your finances and embark on a journey toward financial freedom? If you're using You Need a Budget (YNAB) to manage your money but need that extra guidance and support, look no further than Master Budget Coaching. As your dedicated YNAB budget coach, we're committed to helping you achieve your financial goals and unlock the full potential of your budgeting journey.

Why Choose Master Budget Coaching as Your YNAB Coach?

1. Expertise in You Need a Budget (YNAB): At Master Budget Coaching, our coaches specialize in the intricacies of YNAB. We understand the software inside out, and we're well-versed in leveraging its features to create personalized budgeting strategies tailored to your unique financial situation.

2. Personalized Coaching for Your Goals: No two financial journeys are the same, and that's why our YNAB coaches focus on providing personalized guidance. Whether your goal is to pay off debt, build an emergency fund, or save for a major life event, we work closely with you to create a roadmap for success.



3. Accountability and Support: We believe that accountability is key to financial success. Our coaches serve as your partners on this journey, offering continuous support, motivation, and guidance. We're here to celebrate your victories and help you navigate any challenges that may arise.

4. In-Depth Budget Analysis: Understanding your spending patterns is crucial for effective budgeting. Our YNAB coaches conduct thorough budget analyses to identify areas for improvement, ensuring that every dollar is allocated purposefully toward your financial priorities.

5. Proven Track Record: Master Budget Coaching has a proven track record of empowering individuals to achieve their financial goals. Our success stories speak volumes about the impact of our coaching services on the lives of our clients. Check out our testimonials to see the transformations that others have experienced.

6. Continuous Learning and Updates: The financial landscape is ever-evolving, and so are budgeting strategies. Our YNAB coaches stay up-to-date with the latest trends and updates in personal finance. We incorporate this knowledge into our coaching sessions to provide you with the most relevant and effective guidance.

How Master Budget Coaching Works:

  1. Initial Consultation: Our coaching journey begins with a thorough understanding of your financial goals, challenges, and priorities. During the initial consultation, we assess your current financial situation and discuss the roadmap for achieving your objectives.
  2. Personalized Budgeting Strategy: Based on the information gathered, your YNAB coach develops a personalized budgeting strategy using the YNAB platform. This strategy aligns with your short-term and long-term financial goals, ensuring a clear path to success.
  3. Regular Check-Ins: Our coaching relationship is ongoing. We schedule regular check-ins to review your progress, address any concerns, and make adjustments to your budgeting strategy as needed. These sessions are an opportunity to ask questions, gain insights, and stay motivated.
  4. Continuous Support: Master Budget Coaching is not just about numbers; it's about your financial well-being. We provide continuous support through various channels, ensuring that you have the resources and encouragement needed to stay on track.

Ready to Transform Your Finances?

Choosing Master Budget Coaching as your YNAB budget coach is a commitment to your financial success. Take the first step towards a brighter financial future by partnering with our experienced coaches. Let's turn your financial goals into a reality, one budget at a time.

Contact us today to schedule your initial consultation and embark on a transformative journey with Master Budget Coaching. Your financial success starts here!

Trent Ladle has been budgeting for nearly 40 years and has been using the You Need a Budget (YNAB) software for 10 years, is a YNAB Certified Coach*, and is ready to share his storehouse of experience and training. Trent has a Bachelor of Science degree in Business Management and a Masters of Business Administration (MBA) degree. Trent’s love for helping people improve their lives is what drove him to begin offering budget coaching services.
Schedule your free budget consultation now!
 
*I am a YNAB Certified Budgeting Coach, which means that I have been trained to coach people on using YNAB software and the YNAB budgeting method. I have met select requirements of You Need a Budget LLC in order to receive this certification, which means that I have the ability to competently coach YNAB to others. I am not an employee of YNAB, and all non-YNAB related opinions and recommendations are my own. My views do not reflect the views of YNAB and its employees or its affiliates.

 

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