Budget Nerds

Latest Episodes:

#51 - Ernie Changes His Budget, Again Oct 19, 2022

Show notes

Ernie shares some big changes he's made to his budget recently, including revised categories, more hands-on input, LESS automation, and fresh goals.

Ben and Ernie want to hear about your YNAB wins! Send them an email:

budgetnerds@youneedabudget.com

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https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g

#50 - A Brief History of the YNAB Rules Oct 05, 2022

Show notes

Before there were four rules, there were... no rules at all! Ben and Ernie take a trip in the Wayback Machine to collect every iteration of the YNAB Rules they could find, going all the way back to 2004 when Jesse started the company. As Jesse developed the ideas behind his budget spreadsheet, the rules start forming, but it took a few years before the rules as we know them today came into focus.

The YNAB Team is always looking for ways to explain the YNAB method in clearer terms, but looking back at old versions of the Four Rules gives some insight into how the budgeting method and the software have changed over time.

Ben and Ernie want to hear about your YNAB wins! Send them an email:

budgetnerds@youneedabudget.com

Follow Budget Nerds on YouTube:

https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g

#49 - A Look Behind the API Curtain: Ben and Ernie Tour the YNAB API Sep 21, 2022

Show notes

Is this the nerdiest Budget Nerds episdoe to date? Ben and Ernie take a tour of the YNAB API, the programming interface behind the YNAB software which allows app developers to interact with the software and build cool tools. They share some of their favorite API apps and offer suggestions for their dream features. Any developers listening out there?

Ben and Ernie want to hear about your YNAB wins! Send them an email:

budgetnerds@youneedabudget.com

Follow Budget Nerds on YouTube:

https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g

#48 - When the Budget Gets Boring: Budgeting in Between Priorities Sep 07, 2022

Show notes

Ben and Ernie discuss a listener question... what does your budgeting process look like when you're not chasing a goal? After you've paid off the debt, paid off the house, or achieved some other big financial goal, how do you stay on target and keep your head in the game? Ben and Ernie remind us that it's OK for the budget to be boring, but at the same time there are some ways to shake up your process and re-evaluate things even when you don't have a goal to drive your focus.

Send Ben and Ernie your YNAB wins!

budgetnerds@youneedabudget.com

Follow Budget Nerds on YouTube:

https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g

#47 - Budget Nerds Celebrates Two Years! Aug 24, 2022

Show notes

Ben and Ernie celebrate the two year anniversary of hosting Budget Nerds, and share some of the important things they've learned doing the show. They also discuss some of the ways their budgeting habits have evolved since starting the show.

Get your Budget Nerds sticker here!

https://youneedabudget.typeform.com/budgetnerds

Big shout out to Kalix who took Ben's jingle idea and made it into reality! You can write into the show at:

budgetnerds@youneedabudget.com

Follow Budget Nerds on YouTube:

https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g

#46 - Ben and Ernie Start a Wishfarm Aug 10, 2022

Show notes

Ben and Ernie discuss what things made their "wish farm" list, that is, the purchases they have specifcally outlined in their budget, but haven't (necessarily) funded yet. The goal with the wish farm is to put pen to paper on things you really want to save for, and see if those desires are still there in the future when you can start to allocate dollars to them. Often the process of simply writing down the things you want can help you achieve clarity around your goals and the dollars you will give to your jobs.

Write into the show! Tell Ben and Ernie about your killer trick, ask questions, suggest an episode topic, or share a YNAB win:

budgetnerds@youneedabudget.com

Follow Budget Nerds on YouTube:

https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g

#45 - Credit Cards with Kat Jul 27, 2022

Show notes

Support specialist Kat joins the podcast to talk about managing credits in YNAB. Tracking and managing credit cards can be confusing in YNAB if you are new to the app, but Kat breaks down how credit cards work in zero-based budgeting and the nuances of how the YNAB app handles them. Ben and Kat also field some common questions from YNAB users about credit cards and credit strategies.

Get in touch with the show:

budgetnerds@youneedabudget.com

Follow Budget Nerds on YouTube:

https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g

#44 - Think You Know YNAB? Tips & Tricks from YNAB Masters Jul 13, 2022

Show notes

Ben and Ernie compiled a big list of YNAB tips, tricks, hacks, and expert-level moves from YNAB users across the world. Even if you think you know YNAB like the back of your hand... you are sure to learn at least one new thing in this episode!

Write into the show! Tell Ben and Ernie about your killer trick, ask questions, suggest an episode topic, or share a YNAB win:

budgetnerds@youneedabudget.com

Follow Budget Nerds on YouTube:

https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g

#43 - What's It Like to Work With a Bunch of Budget Nerds? Jun 29, 2022

Show notes

What if you got to work with a bunch of other budget nerds? Wouldn't it be great to talk budgets and categories around the water cooler without feeling self-conscious? Money is a sensitive topic for many people, especially in the workplace, and unfortunately a lot of workers bring their money stress with them into work.

To that end, Ben and Ernie discuss YNAB's new service Financial Wellness, which brings YNAB to companies as part of their employee benefits. Aftera all, YNAB the company is full of budget nerds so Ben and Ernie know what it's like to work with fellow nerds!

If you're interested in bringing YNAB to your workplace, go to:

https://www.youneedabudget.com/wellness/

Follow Budget Nerds on YouTube:

https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g

#42 - Dining Out: Taming the Budget Blower! Jun 15, 2022

Show notes

While the folks at YNAB have no opinion on how you should spend your money (that's a highly personal decision and up to you to decide), there's one thing that just keeps coming up: restaurants! Over and over again, new budgeters find that much of their money is being spent dining out at restaurants and ordering take out, and many of those budgeters decide to cut back on it after realizing this fact.

So today Ben and Ernie continue their discussion on food spending by sharing their strategies for keeping the dining budget in control without depriving yourself too much. It turns out, you CAN eat out without blowing the budget, with a little bit of planning and some careful category management.

Follow Budget Nerds on YouTube:

https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g

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