Erin offers tips for making grocery shopping simpler, avoiding unnecessary purchases, and making strategic "fun" food purchases (like frozen pizzas) for those days when you just don't feel like cooking.Īs Erin reminds us, your family's grocery bill is personal! It's tempting to want to compare yourself to others, or to an average, but the best strategy is to start with where you are and find ways to adjust from there. With prices on the rise, many people are tightening their budgets, and groceries are a common line item of concern. Long-time YNAB team member Erin returns to the podcast to discuss strategies for managing your grocery budget. You just need to provide proof of enrollment. Learn to be OK with not having a perfect budget, and know that you will only get better at it over time.Ĭollege students can use YNAB for a year FOR FREE. Things change a lot from freshman to senior year - work/study opportunities open up, off-campus housing becomes available, you might want a car - and you can expect your budget will too.
Secondly, be prepared to roll with the punches and go with the flow. You're always going to spend more on food than you think, she says, so your budget should reflect that. Then you can get a realistic picture of what a college budget should look like.
Try just tracking your expenses for a month, and get some data about your spending habits. The most important thing for college students, she says, is to just get started with YNAB. She's also learned some lessons about careful budgeting living in some of the most expensive cities in the world, like London. Since discovering YNAB Mackenzie has traveled throughout Europe, and has come up with some unique strategies for managing her budget in a variety of currencies: the British pound, the euro, and US dollars. all thanks to YNAB and embracing the four rules while a young college student.
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Sign up for a free 34-day trial of YNAB at International student of mystery Mackenzie is financially wise beyond her years. Nowadays, Nina's budget is helping her save for retirement, travel, and help her daughter travel the world as well. While working various jobs, she started a bookkeeping service to supplement her income, throw extra cash at her debt each time she landed a new client. Nina's story is also unique in that she's never worked conventional jobs, and never made much money, so she had to budget carefully to pay off her debts. Ever determined and positive, Nina regained her financial footing and became a seasoned budgeter with a little help from YNAB. Things got more complicated when she went through a divorce and became a single mother.
Nevertheless, she wasn't taught anything about money growing up, so she learned her money lessons the hard way: overdrafting her checking account and racking up debt at a young age. Sign up for a free 34-day trial of YNAB at Nina Clark grew up in a large family tight on money, but with a mother who was very good at budgeting and stretching a dollar. Whether it's about debt and how you intend to pay it off, expectations about lifestyle and living expenses, plans for retirement - if you keep communication frequent and open, then you will feel more certainty and security about your money. And, in the event of divorce, some of the important things you should be doing and asking during the process.īoth Kelly and Emily agree that the most important thing couples can do before and during their marriage is communicate. In today's episode, they discuss the important questions you should be asking before marriage about money, finances, and expectations about the future. Kelly Frawley and Emily Pollock are attorneys specializing in matrimonial and family law, and regularly contribute to Forbes on issues related to divorce and business.
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