But if I pretend I’m YNAB for a minute and figure out where every dollar I expect to receive in the…
Nicole Dieker

But if you’re using the YNAB idea, you would not plan your expenses for the next two months. You would only budget what you have on hand right this moment, and add new money as you receive it. Earning more money is great, but a couple of months of cutting back might be a good idea too. To be realistic you might also need to pay back your savings a bit more slowly, to prevent you from needing to dip into it again. It’s all about prioritizing and being realistic about what expenses you’re not willing to give up.

If you do earn extra income building up a one-month+ buffer, that’s separate from your savings, would probably help make things a lot easier!

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