How to Budget on Any Pay Cycle

[@N8-K]

Not gonna hold back; Hannah is the best. Addicted.

[@kylergeorge137]

i dont mean to be off topic but does someone know a method to log back into an Instagram account?? I somehow forgot my account password. I love any tricks you can give me!

[@colemangael9720]

@Kyler George instablaster ;)

[@kylergeorge137]

@Coleman Gael i really appreciate your reply. I found the site on google and Im in the hacking process now. Seems to take a while so I will get back to you later when my account password hopefully is recovered.

[@kylergeorge137]

@Coleman Gael it worked and I finally got access to my account again. I am so happy! Thank you so much, you saved my ass !

[@colemangael9720]

@Kyler George Glad I could help :)

[@dalleenpente]

This week was the first time we could cover the next month obligations. What a relief! Thanks YNAB and all your funny videos

[@YNABofficial]

WHAT A WINNN. Yes!! That is so exciting to hear!! Congrats, and enjoy that peace of mind :) -Hannah :)

[@nicholasschneider3679]

Honestly this is better than anything on Netflix. Hannah is the best.

[@yana_m09]

I am on vacation now, and I watch tons of Hannah's videos. I can feel how YNAB ideas infiltrate deeper and deeper, and I am so happy because this is what I desperately wanted for months.

[@YNABofficial]

Oh wow!! Expanding your budgeting knowledge on vacation?! A true rockstar, you are!! So glad you're learning what you hoped to! -Hannah 🌻

[@carlosaberdinas1815]

I love your video's Hannah, they are educational and funny... Thanks you for making living on a budget fun

[@mannyabdulai9353]

This is the first time budgeting has not seemed overwhelming to me. I budget the money I actually have. I can do this.

[@YNABofficial]

I LOVE this!! I am so glad! It's all about taking those small steps and learning how to roll with what life hands you. Keep it up, Manny!! -Hannah :)

[@simonvoigt8261]

Perfect! And I love your delivery Hannah.

[@jamesrickard3551]

Great Job! I love watching your teaching on YNAB

[@kalifusch]

Very late to this video but yet another great one! Fun to see the old YNAB aesthetic. One feature I haven't seen come in that I would love: a way to sort budget categories by "due date" with the soonest showing at top. Or, filter categories that are "due by X" to see those categories that are not flexible in time. Just a thought! Thanks Hannah and YNAB team!

[@lindab7113]

I’m addicted to these videos but I’m so happy I stumbled across it. I don’t know why but I was trying to use Qapital to do this (for years, try maybe 5 😗!!) so I’m happy to say I’ve converted. Thanks for all your hilarious videos Hannah and the helpful tips. I learn something new after every video!! ❤️

[@evingerleanhudson9293]

I kept hearing about software and thought to check it out today. Not only was this video JUST posted, but I'm also seeing what the HYPE is all about and I'm excited to further check it out. I’m most looking to how you all have, in my head, introduced reconciliation of accounts in personal finance. I do this with my business and really like this approach. :)

[@YNABofficial]

Oh my gosh, YES friend! We are so glad to hear that!! We release new video content every Wednesday and Friday, and often share bonus video content here and there with quick tips, testimonials, or free live workshops with our YNAB teachers, too. I hope you'll keep exploring the content and hit us with any questions you have along the way!! We gotchoo. -Hannah :)

[@evingerleanhudson9293]

@@YNABofficial | Sooooo.... No kidding... Day. Made. I adore you, Hannah! Thank you for what you do to change lives and help make the world a better place. You're lowkey my new #BudgetBest! Ha ha. *Hugs*

[@YNABofficial]

Haha!! Oh my gosh!! I am so honored!! Well hey, if you ever have ideas for topics you want covered, make sure to throw a comment up and I'll see about covering it!! Always here and happy to help :) -Hannah :)

[@edwardfarmer4230]

Great video ! These methods take away a lot of stress, constant back of the mind worry, and give a lot of peace of mind . Thanks Hannah ! Plus they give a person a lot of momentum to get ahead and really build their business and set and achieve higher financial Goals

[@alyssamarie54]

Thank you so much Hannah! This has helped me immensely!! 😊

[@dagnabit27851]

I've been glued to your videos for the last few days. I use excel to budget but I'm tempted to try the app. It seems so useful! I just don't want to pay for what I can do for free. But it's definitely a cool resource

[@YNABofficial]

Oh, so kind of you!! Haha! I'd say absolutely take advantage of the 34-day free trial-you don't need to enter any card info or anything, so once the trial is over it's over and there's no "cancelling" you need to do or any of that. You may learn a few things along the way with your trial, and you can take that knowledge back to your excel sheet! Doesn't matter what you use to budget as long as you budget :) -Hannah 🌻

[@leerv.]

Yes, this is how you can do it! :) I think Rule Four is my favorite rule, just because it feels SO GOOD to start putting your money into the next month! It's like a giant boulder just rolls off your back, you walk outside and it's sunshine and birdsong. I'm now budgeted through July; my next check will go into August. Ya don't know how great it feels until you're doing it, too!

[@YNABofficial]

Lee, that's amazing!! I'm workin' to get where you are. Musical endeavor is getting closer! Did some reprioritizing, but it's right around the corner! -Hannah :)

[@mishka.a]

I get paid at 25th of each month. I am in my trial and I was so confused when the new month started and there was "0" in a "Budgeted" Column. I had a panic attack ahaha! But now it's very clear that the most important column is "Available"!

[@erakkovaatainen148]

You made me subscribe on trial and I plan to continue. The only app which seems to work.

[@keithmallett7987]

The "Side Hustle... Hanna Originals" :)

[@amandanance9136]

We make sure we have the 4 walls covered food, car insurance, mortgage, electric. Then the car payment is in a separate account because that is the tax refund money that pays for a year and a half of payments plus principle payment. Internet is paid for the whole year all at once with tax refund. The Christmas fund is funded. Then the extra paychecks which there are 2 during the year goes to car tags and back to school for the kids and tax preparer.

[@devlinfae]

Love this.

[@coconutdance1615]

Wish I knew this wise advice when I started work years ago... In France, there’s no budget education. Hope Ynab will be accessories for french speaker someday, it would be so helpful for a lot of people around me...

[@TheMarvnoir]

I love your energy!

[@max1492a]

another great video!

[@kyleleesherman1201]

I love Hannah videos!

[@hr8779]

"The economy took a hit..." omi ous.

[@JessicaEvans-zt6lf]

The whole reason I found YNAB was because I was looking for a system that did not require me to forecast my paycheck on the 1st of the month when I got paid once a month in the middle of the month. This is exactly why I chose YNAB. And literal "what?!" when I saw you can set targets, then select all and fund them ALL! at once! Blew my mind.

[@YNABofficial]

YAY!! I know so many freelancers who finally felt like they could sustain their variable income by using YNAB. I love that it's priority based rather than "routine" based, so you can truly make it work with whatever kind of money stream you have. SO glad YNAB clicked for you!! 🌻 Hannah

[@wiseman4160]

Great video! So if that person that got $9,000 and say two weeks later he got another $3,000 I would assume he would then budget that for the fourth month ahead?

[@YNABofficial]

I think it's up to the individual! We know our own situation's best. He could budget out for a fourth month, or if he's pretty confident he'd lock in another check before the three months is up he could pad his savings, build up some true expenses, or if he has a wish farm he could harvest some dreams! -Hannah :)

[@georgekatsinisAFC]

It's OK to spend money for fun too. As long as needs are covered, and budgeting ahead, leveling out irregular income... ENJOY too.

[@YNABofficial]

Right! Fun fuels motivation, right? If we're enjoying ourselves and having a good time, we're more likely to stay motivated and stick to our plans than when we're constantly depriving ourselves and in eternal sacrifice mode. Good word, George!! -Hannah :)

[@sahayajasudasen5833]

This girl is good. I didn't yawn.

[@stenio343]

Thanks

[@garynhelfrich]

We are on Social Security. How do you budget the month when you get paid on the 3rd and 4th wednesdays of the month

[@larrygale5957]

I was wondering how you should do it when it comes to a weekly pay cycle? I work hourly and get paid weekly...how does that look when it comes to budgeting?

[@YNABofficial]

Hey there, Larry! Great question: sounds like you get paid an irregular amount on a regular schedule. Follow the same guidelines as the yellow house! You'll just budget more frequently. Every week when you get your paycheck, cover all the highest priority expenses you can first that must be paid before your next paycheck (any utilities due before the next paycheck, more grocery money, etc) and anything that's left over can go to building true expenses (auto repair, clothing, wish farm, etc). I hope this helps-hit me with any questions you've got! -Hannah :)

[@shadowkyttie]

Probably a dumb questions. But what if we get 26 paychecks in a year instead of 24? So, there are 2 months in the year that there is a third paycheck. Do you just use that check to push towards being that "month" ahead?

[@SmallSpoonBrigade]

There's no inherent reason why you can't do your budgeting on calendar months. I do most of my budgeting on a weekly basis because I get paid on a weekly basis. I simply set aside roughly 1/4 of the money to cover any monthly expenses each month and then pay them at the beginning of each month. In the case of the 26 pa checks, you can push them to the next month if you're not already ahead, otherwise you would likely just add those to savings, pay them to the mortgage or factor them into the retirement savings. There's a bunch of possibilities and it's probably best not to get too bogged down with it.

[@TheBudgetLady133]

Very Entertaining 😂😂😂

[@crazycrazysnakeman]

Vision in chalk 😂 I love it

[@PeteK-01]

Hannah, just because you don't like airplanes doesn't mean you can't do a comedy tour of the US. You're hysterical! 😁

[@jackwiley1480]

Sorry, N8-K, but I am the president of the YNAB Hannah fan club. Today's observation is that she is a blend of Liz Lemon and Leslie Knope, both are incredibly smart, serious yet funny and great at teaching budgeting!

[@YNABofficial]

I'm embarrassed to say that I had to look up Liz Lemon. 🤦🏽‍♀️ But needless to say, I am FLATTERED. I will gladly channel my inner Leslie Knope any day!! Thanks Jack! :) -Hannah

[@Tekoa80]

What if you have a regular amount of money, but get it at different times of the month? I work part-time, so I receive that money on the same date every month. But I also receive various benefits, which are paid at different times throughout the month, and are paid 4-weekly, so they change each month. I have no idea how to budget at all. Years ago, I would have added it all up, divided it by 4 and just withdrawn that amount of cash every month, but these days I pay for most things with my debit card and I also have regular online payments which are paid at various points throughout the month.

[@YNABofficial]

Hey Janine! Truly, it all works the same no matter what pay schedule you're on. Fund your most important needs first (like bills that will be due before the next time you get paid), and make sure your "living" categories (like car fuel and groceries) have enough money in them to carry you through to the next paycheck. From there, it's up to you what's funded next and how much! Adding due dates and targets to your YNAB categories makes it SO easy to make sure you're funding the *most important* categories first that will carry you through to the next paycheck! 🌻 Hannah

[@sarahhenken]

I love the idea of budgeting two months out but the system only lets me budget into next month, future months aren't available yet. Am I missing something? I don't have enough dollars to do this across the board, but I get a housing allowance every three months that I pay out monthly for my rent, so I am getting by in just budgeting all of that money for rent in months 1 and 2 and letting it last for the three months, but would be cool to actually budget each month separately!

[@YNABofficial]

Hey Sarah! No problem, we can get around this! YNAB will only let you budget one month past where you actually have month. So if you've only budgeted money into June, you can budget into July and not August. However, if you currently have money budgeted in both June and July, you have unlocked your ability to budget into August as well! Next time you get your allowance, drop money in the current month, then the next month, then you should be able to access the month after. It almost acts as a little safety feature, making sure you don't accidentally skip a month or get ahead of yourself in the budget! I hope this helps. Let me know if you have other troubles with your budget or confusions and I'd be happy to help!! -Hannah :)

[@markd5067]

I've been budgeting for over 30 years. My method is waaaay less convoluted and far easier to manage than this. This video is more about pushing the app than the discipline of budgeting.

[@YNABofficial]

Hey Mark! Woot, we are all for people budgeting in whatever way works best for them! We just want the world budgeting :) This video was requested by a lot of our users to demonstrate how to use YNAB on the varying pay cycles people experience, so you're absolutely right, it's pretty app-based! Let us know if you want recommendations for some other channels that aren't app-based-we can help you find what you're looking for! -Hannah 🌻

[@johnroquemore4507]

Hey Mark, as someone who has struggled with budgeting for 30 years I came here to learn how to use this tool to get started. If you've got a budgeting method that is even more simple & you can show me how please post some videos so I can learn!