Over the course of the last few years, I have been more and more interested in finances, and all that comes with saving, spending, giving, making and more. My interests include helping others to figure out finances. I love when I get texts from friends saying that they no longer live paycheck to paycheck, or that they have an emergency fund set up, or they set up a 401k-the list goes on. When I started my website, I anticipated it being more about movement, because that is what I have lived and breathed for the duration of my adult life. However, the more I help others with tidbits of information here and there, the more I wanted to have a finance tab on my website to have one place that I can direct people to initiate some finance education. So, here we are.
Do you know how much you spend daily? monthly? yearly? When yearly expenses come around, are you scrambling to pay the bill, or moving money around to cover expenses?
The first step that helped me the most as far as finances go was just being aware and keeping track of what I spend. I initially started doing this process via an excel sheet. It took hours. I then found YNAB (You Need a Budget) and this has been a game changer for me. To say I love it is an understatement. To say that it has changed the way I think about finances is also an understatement. I have since used this platform daily in order to track finances. IT was a steep learning curve for me. I actually started it with their free 40 day (ish) trial and stopped. I picked it back up again a few months later, dove in head first and have never looked back.