You do not move money from the areas Dave calls the “four walls”, you move it from non important areas…. Yes, he does recommend moving money from other budgeted areas to cover any overspending. He only recommends using credit to pay for things in the budget IF THERE IS MONEY IN THE BUDGET for that reason.Ĥ. So the money has been moved from “available to spend on groceries” to “available to pay the credit card bill”. If I use my credit card to pay, immediately my budget shows that I now have $50 for groceries and $150 in my credit card available to pay for what I just bought. I go to the store, spend $150 and I enter the purchase into the program on my cell phone. If my budget says I have $200 for groceries this month. He emphasises that whenever you are using your credit card you are creating debt.ģ. Enter your purchases right into the budget as you make them.Ģ. you DO take your budget with you to the store via a phone app. Except for Jesses acceptance of credit card use I see little difference between him and Dave as far as their attitudes towards money and how it should be usedġ. No idea what the original one is like but this one is great.
It’s killing me!” I’m sure he’s trying to appeal to people’s comfort that no one is perfect, but something about this is a bit off. And even on his main page he says that “My wife and I overspend in our grocery category 80% of the time. Maybe I’m wrong, but I read one of his blogs in which he talks about using his credit card for everything and then paying it off. You aren’t bringing your budget to the store with you like you do with the envelopes. It seems as if YNAB welcomes credit and debit, which may be part of the problem. Frankly, we just don’t go over budget with this system, but we also build in a nice “slush fund” each month as part of the budget (and let it roll over each month) for those unexpected expenses. We do have an emergency fund, but we just use cash (envelope system) and the current month’s income to spend the current month’s expenses and it works for us. Between the 1 month buffer and his “roll with the punches” system, it seems like he’s building in a lot of “excuses” or “safety nets” for going over budget.
I’ve been a Dave Ramsey follower for years and have just began looking into YNAB.
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