How a Bookseller Does Money
Nicole Dieker

One of the benefits of YNAB is actually not needing sub-savings accounts! Your money can all be sitting in two neat and tidy savings and checking accounts, but instead of just saving a lump sum you portion out what that savings is actually for, like a new phone, using the YNAB category feature. It’s also incredibly forgiving in that you’re the one making the rules and the categories. You can move money around into different categories as often as you’d like, it just makes budgeting so much easier and more flexible.

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