Helping you use YNAB to live a spendful life
Imagine how it would feel to be in control of your money and:
- Get out of debt forever
- Stop counting the days to your next paycheck
- Make financial emergencies a thing of the past
- Spend without guilt or worry
YNAB (You Need A Budget) can do that for you. YNAB is a great app. But it is much more than an app. It’s a method and a mindset. With YNAB, you give every dollar a job. You don’t budget money you don’t yet have. And you ask yourself five important questions that build stability, resilience and flexibility into your financial life. With YNAB, you live spendfully because you’re spending your money on the things that represent your values.
The downside to YNAB is that the learning curve can be a little steep. Not only do you need to learn to use the software, you also need to shift your thinking about budgeting and spending. Getting over that learning curve is absolutely worth the effort. As a YNAB Certified Coach, I would love to flatten the learning curve for you and provide expertise, support and accountability so you can be up and running with YNAB and on your way to a spendful life.
I was very hesitant about YNAB because I had tried it maybe seven years ago, and it just didn’t go well for me. Working with Janine made all the difference! With her guidance I had a much better understanding of how I should set my budget up and check in with it on a regular basis. She has made me a YNAB convert! I love knowing where my money is going and that I have money set aside for True Expenses – those real but not regular expenses that we all know are coming. She’s also right there if I get lost or have any questions. I have much more peace in my financial life thanks to Janine’s help.
— Dee
YNAB changed my life. I now live spendfully (and joyfully). I’d love for it to change your life too. Let me help you love how you spend your money.
Or read more about my YNAB Coaching Services.
Latest from the YNAB Blog
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What does it mean to be a month ahead?
YNAB has long espoused the benefits of aging your money and getting a month ahead in your budget. With the recent revamp of the YNAB method, the Resilience question, “What can I set aside for next month’s spending?” replaced Rule 4: Age Your Money. The message and goal are unchanged: You want to break the…
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Creating a values-based template
On New Year’s Day, I revamped my category groups. I was inspired by Nick True’s excellent 2025 Getting Started Guide YouTube video, which mentioned having the option of having a values-based template for your spending plan. That really appealed to me, so thought I’d give it a try. I started by doing a Fresh Start,…
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Pinned tabs for multiple budgets
I actively manage two budgets that I interact with multiple times a day. One is our household budget (called Janine and Barry’s budget) and the other is the budget for my business, Peace of Mind Organizing. I have a third budget I manage for my brother but it doesn’t require a lot of attention. I…
About Janine
I’m a Certified Professional Organizer® and a YNAB Certified Coach. I love helping clients find happiness through organization, whether it’s their stuff or their money they’re organizing. Check out the About Janine page to learn about my YNAB story!