![]() If you have fewer bills than you have income (which you should, or you should be looking at cutting bills), then YNAB forces you to assign those extra funds to something. Applies Extra Income to Important Savings There are a number of reasons the zero sum budgeting approach on YNAB helps you gain more control over your finances. ![]() So plan wisely and pay the bills that are due first! How Zero Sum Budgeting on YNAB Is Better Once you’re out of income to budget, you’ll need to wait for your next paycheck or other source of income to assign more funds to other bills. Note: To do this correctly, you’ll need to maintain your bill due dates in another spreadsheet because YNAB does not have a spot to show when that bill usually comes due. ![]() Your goal every time you log in to manage your budget is to select each of the categories where you have immediate upcoming bills and assign enough of your “To be Budgeted” amount to cover those bills.
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