We have been back to using YNAB since the first of the year (more on the YNAB program in the last budgeting post). Anyway, this month’s update is hard mainly because we got our tax refund in Feb. and ended up having to get it in cash instead of in the bank (long complicated story there lol), I tried to track everything but it became a pain and I got lazy, so I only tracked the major bills I paid with it, not everything- probably for the best, while we spent it well and got a lot that we needed (including getting rent and bills caught up and a month ahead) we did waste a good bit on eating out and other misc spending.
All in all we did ok, still eating out too much but we have been doing better this week and plan to make a big change for march. We still don’t have enough in savings or our ‘buffer’ to budget next month ‘this month’ like YNAB and Dave Ramsey recommends, but we are getting closer- the tax return really helped us with that one by catching us up so we are not exactly living paycheck to paycheck but we are cutting it very close.
The image above is the report through YNAB of our spending from Jan 1 to today, it’s not 100% accurate of our actual spending habits only because it includes the new tires we got for the car, the new things we got for the house with some of the tax refund that we deposited to the bank, etc. I am exited to see the end of March and April to see a better picture of how we are doing.
We have saved almost $200 towards our goal of about $2,000- we have a long way to go but it is better than when we started!