Budget Nerds

You Need a Budget
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Budget Nerds

Personal finance experts Ben Barlowe and Ernie Reppe get nerdy with numbers as they share budgeting tips, strategies for categorizing transactions, and lessons learned from using the revolutionary budgeting system known as You Need a Budget.

  1. NOV 13

    #103 - Fixing a Messy Budget

    Today Ben and Ernie try something different: they are looking at a messy budget -- a VERY messy budget -- sight unseen and attempting to clean it up. This one is a doozy, with dozens of uncleared transactions, multiple accounts including credit cards, transfers between accounts, and even a cash account. As Ben points out early on, whenever you're dealing with a neglected budget like this, you have to start by reconciling first before you start assigning dollars and moving money between categories. So Ben and Ernie wade through each account, clearing transactions and reconciling, making sure that YNAB and the bank account balances agree. Once that is done, they can get to the fun part -- building a spending plan!   Of course, this is just a fun exercise for Ben and Ernie, and an opportunity for them to share their problem solving process in YNAB, but if your budget looks like this and you are overwhelmed, there is a MUCH easier solution! You can always make a fresh start, and work with a clean slate starting today. So don't think you have to untangle the Gordian knot to get your spending plans back in shape!   This episode leans heavily on screen sharing, so if you want to see Ernie navigate through the budget as he talks through the problems with Ben, be sure to watch the YouTube video at the link below:     Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g   Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com

    1h 12m

  2. NOV 2

    #102 - LIVE Q&A: New YNAB Features, Cash Only YNAB, Budgeting with Partners, and More!

    Ben and Ernie hosted a Live Q&A on the YNAB YouTube channel on Oct. 30th, 2024. If you missed it, here's the full replay! They fielded questions from YNAB'ers and discussed some brand new YNAB features.   Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g   Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com   Follow Ben B live on Facebook! @ynabofficial

    1h 4m

  3. OCT 30 · BONUS

    Budget Nerds Are Going LIVE on YouTube - Oct 30th, 2024

    Ben and Ernie are going LIVE on YouTube at 1:00pm Eastern on October 30th, 2024. Come and join us! If you're tuning in after the Live show, the full replay will be posted to the podcast feed soon.   Budget Nerds on YouTube https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g

    2 min

  4. OCT 16

    #101 - Planning on a Variable Income, YNAB at Your Workplace, and Free Swag!

    In today's episode, Ben and Ernie chat with Veronica Brashler, who is in charge of the Corporate Wellness program at YNAB. Veronica's YNAB story starts with working freelance as a wedding photographer with a highly variable, and seasonal income. Both she and her husband were self-employed at the same time, while raising a young family, and the stress of variable income was high. In her words, they felt like they always had to take the next job, because they weren't sure where the next paycheck would come from if they said no. This made it difficult to plan vacations or just take time off to relieve stress (during peak wedding season she would typically work multiple weddings every weekend!).   When she discovered YNAB, the stress relief was immediate. All of a sudden they had clarity around their true expenses, and how much was "enough." Today, Veronica helps others find this sense of relief with her work at YNAB. Her current job is to work with companies to provide YNAB to their employees as part of their benefits package. And she's brought lot of YNAB goodies for the Budget Nerds community!   Share YNAB with your workplace and get some swag! Tell your employer about us and we'll reward you with some exclusive YNAB things. Here's how to make it happen: Write a message to your HR team requesting that they consider YNAB as an addition to your benefits package. You can use the templates at ynab.com/wellness/share for inspiration. Forward or bcc: your message to wellness-sales@ynab.com We'll thank you (profusely) and collect your mailing address. You'll receive YNAB swag in the mail! 😎

    41 min

  5. OCT 2

    #100 - The 100th Episode! Ben and Ernie Reflect

    Today's episode is officially the 100th episode of Budget Nerds (if you count the YouTube episodes that were published before the audio podcast feed)! Ben and Ernie reflect on the past few years, the most and least viewed episodes, their favorite episodes, and the many YNAB wins they've had a chance to share and celebrate along the way.   Thank you for listening and supporting the show with your emails and comments. Here's to the next hundred!   Follow Ben B live on Facebook! @ynabofficial   Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com   Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g

    45 min

  6. SEP 18

    #99 - Ben Actually Changes His Budget

    If you're standing up, you might want to take a seat, because something big has happened... Ben actually changed his budget! Over the last year Ben has had some major life changes that have resulted in more monthly cashflow and also bigger expenses, so it was time, at last, to overhaul his budget. In today's episode Ben discusses the circumstances that prompted the change, how he learned to actually work Rule 2 and embrace his true expenses, and how he is assigning the new monthly cashflow.     YNAB Debt Bootcamp https://www.ynab.com/debt-bootcamp   Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com   Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g

    55 min

  7. SEP 4

    #98 - Many Goals, One Plan

    One of the interesting parts of working at YNAB is you get to observe human behavior related to personal finance. As Ben and Ernie have noticed over the years, YNAB'ers tend not only to reach their financial goals -- such as paying off debt or saving for a big purchase -- but also complete a number of other goals at the same time. There's something about the YNAB process that leads to knocking down goals like dominoes.   Ben brings up an old YNAB saying: "think long, act now." Following YNAB's Four Rules, in particular Rule Two, gets you in the habit of considering your future expenses and setting aside money now so that they are covered when the expense hits your bank account. And as Ernie points out, the unofficial "Fifth Rule" -- find the money first -- puts you in the habit of identifying the tradeoffs you are willing to make to spend money on a given thing. These habits aim to help you manage your money in a sustainable way, so that you can not only meet your financial goals but continue to maintain them without incurring new debt every time an unexpected expense comes up.   For those new to YNAB, don't be surprised if your initial money goals lead to more and greater things!   YNAB Debt Bootcamp https://www.ynab.com/debt-bootcamp   Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com   Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g

    33 min

  8. AUG 21

    #97 - What If YNAB Paid You to Use It? And Other Sketchy Ideas from Ben Markley (Sketchy Advice)

    On today's episide Ben and Ernie welcome another Ben to the show -- Ben Markley, host of YNAB's Sketchy Advice series on YouTube. Ben has a reputation for striking metaphors and thought provoking ideas about money and putting YNAB's principles into daily practice, and today he shares some of his favorite ideas, including: Why you should go ahead and buy that latte YNAB is really just an elaborate gift card system Can YNAB help you keep your house clean? What if YNAB paid you to use it?   Be sure to follow Ben M. and his wacky ideas on YouTube! Sketchy Advice YT Playlist: https://www.youtube.com/playlist?list=PLq0_N-XTl2yCCaRGfgWVerrE8s2A8b0oq Buy That Latte: https://youtu.be/U7Z9ens0NtE?si=-lxqxojGDdcgTwPD Unlock Money Joy....with Gift Cards? https://youtu.be/GU6VeOFnPuU?si=O_mQBl5VIuYPG_ZB Can YNAB Keep Your House Clean? https://youtu.be/s1KrMm_ByOg?si=ufpcvZ6UKS-Jj-cL   Share your YNAB wins with Ben and Ernie! budgetnerds@ynab.com   Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g

    49 min
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About

Personal finance experts Ben Barlowe and Ernie Reppe get nerdy with numbers as they share budgeting tips, strategies for categorizing transactions, and lessons learned from using the revolutionary budgeting system known as You Need a Budget.

Information

  • Creator
    You Need a Budget
  • Years Active
    2022 - 2024
  • Episodes
    75
  • Rating
    Clean
  • Show Website
    Budget Nerds

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