Thanks. I’ve been very angry out of a feeling of complete helplessness. I’m reading a book about data bias in relation to gender (invisible women) and it’s hitting a lot of sore points that come up being in an office that’s 10% female… There’s four of us.

I’m not seeing it yet - but YNAB is my current approach and I adore it.

I used to approach it in a project my income for the month and then assign that money into categories and into a savings pool. It was a good spreadsheet. I liked it.

But I find the envelope system that YNAB uses extremely powerful. You can set your categories (and it encourages you to remember expenses that only come up once in a while and budget for them on a monthly basis) and then you use the money you CURRENTLY have to fund them. You assign every dollar a job. Which means I can totally splurge on a fancy dinner… But it means I might be pulling money I assigned to my ski pass out (I sound ridiculously entitled, sorry… the blog posts they have give better perspectives if you are starting from high debt or low income). And I don’t want to pull that money because I’ve been setting it aside slowly for months… So I don’t splurge on drinks and dessert or I suggest street tacos or cooking at home for my friends instead.

… what were your goals?

Thank you fellow human!