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50 sats \ 11 replies \ @BlokchainB 21 Dec 2023 \ on: How Much Should You Save? Personal_Finance
This is a good question I still haven’t figured out what the sweet spot is. My expenses fluctuate wildly and I started a business not to long ago that has really sapped a lot of my wealth. But I do try to save something even if it’s only $10 a month.
I think today I am going to give ynab at the recommendation of @ekzyis
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Hope you like it. Try to keep using it for at least a month. Preferably 2-3 months since imo, the benefit is knowing how much you spend in various categories like food, entertainment, mobility etc. per month. And also how it changes (or not changes) per month.
Do you want a referral link? Need to check if they have something like this first though. I think they might only have an affiliate program but that is too complicated and I might not even be eligible.
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Sure I been using a spreadsheet but it’s 2024 I figure I give it a try.
Drop the ref link! 😆
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Sure I been using a spreadsheet but it’s 2024 I figure I give it a try.
Nice. Most people have a privacy problem with SaaS like this though. But tbh, I don't mind if another company (from I don't know how many companies already know) knows how much milk I buy per week. (This time it's even a useful company that is worth their money.)
I know, as someone who LARPs a lot about ~privacy like me this might be unexpected that I am using YNAB connected to my bank account. But I also believe in "hiding in the crowd".
If you often pay with cash, you can also enter your transactions manually though.
Drop the ref link! 😆
I found out they indeed have a referral program:
Loving YNAB is so easy — and now it loves you back! When you refer a friend or family member, and they subscribe with your referral link, you both get a free month of YNAB!* We’ll keep track as friends sign-up and subscribe so that it’s easy to see your free months multiply!*Referral program is only available for subscriptions purchased directly through YNAB or the Google Play store.
This is apparently my referral link: https://ynab.com/referral/?ref=EP_vdK4L1FbusFkd
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Thanks. Yeah privacy is the reason why I stopped using a personal wealth app that tracked everything. And went to a spreadsheet on my local machine. But now I want to try something new. I need to face the music and come up with a plan to pay off all my debts
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Oh, I didn't know this would be the case:
YNAB has told me which email you used for signup. Looks random though but in case that's PII: Your PII is safe with me 😅
Sorry!
I will let this message be a warning for other stackers trying to use my referral link. I did not intend to use this to harvest PII, lol
Happy to contribute towards your $10 per month haha
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2024 inflation it is now $12😆
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Let me make up the difference!
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