Rule #2 is 'Embrace Your True Expenses.' Most people say they had expenses that just “came up”, but the truth is that many of these expenses should be anticipated, such as vacations, birthdays and holidays.Rather than spending on whatever comes your way, you will have more organization and order with your spending. Rule #1 is 'Give Every Dollar a Job.' Each dollar should be used for a certain expense.If you follow these steps, you will be able to save efficiently, get out of debt, and most importantly, stop living paycheck to paycheck.

YNAB's Four Rules are the building blocks to help you live within your means. Plus, we named YNAB one of our Editor's Picks for the Best Budgeting Software for 2022. This process is called “aging your money”, where your money has to be at least 30 days old before you can spend it. The goal is to cover this month’s expenses with last month’s income. If you follow the “ YNAB Rules”, you will see improvement in your spending, spend less than you earn, and be ready to save for the future. With YNAB, you can deal with debt and set priorities for upcoming expenses and other financial goals. This is the perfect choice if you are looking for a system that solely focuses on budgeting rather than investing and other bells and whistles. All products and services are presented without warranty.

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