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Meocross t1_je2g4vt wrote

Reply to comment by toodle-dree in 31-Year-Old Used Her $1,200 Stimulus Check to Start a ‘Cash Stuffing’ Business—It’s on Track to Bring in $1 Million This Year by ChickenXing

YNAB cuts into my allowance a little too much, maybe if i got my 2k it would be easier.

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MiloTheMagicFishBag t1_je6rb5e wrote

When introduced to it, I had zero money to spend on YNAB, so I found a PDF of the book online, read it, and taught myself how to make an Excel spreadsheet. Excel can get pretty complicated, but basic functions like adding up all the numbers in a row are super easy, and you can google how to do pretty much everything if you forget. In fact you can just google "Excel budget sheet" can find a step by step guide or maybe even a template you can download that let's you plug in values. Even if you can't afford Excel, Google Sheets is almost the exact same thing for free. YNAB is more about a state of mind than the program anyway. Don't spend more than you have, and be mindful and purposeful about where the money you do spend is going.

Never spent a cent.

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Meocross t1_je6sbde wrote

Thanks a lot man, i always wondered how to activate the budget functions on an excel spreadsheet. With that tip i can now write an entire budget without straining my hands.

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MiloTheMagicFishBag t1_je6x2hp wrote

Sorry, it's hard to tell over text, but are you disappointed I didn't go into more detail about excel's functions? Because I wrote that comment to show how you can still use YNAB's methods without purchasing the program.

If anyone finds a lot of value in the product, of course they can keep using it! But the original comment seemed distressed about the price, so I wanted to let people know it IS possible to use the method without paying for YNAB, I myself did it. And I'm NOT some finance master, or even that good at excel lol

And I didn't go into any details about how I set up my spreadsheet because I learned my excel skills from google, and often have to re-google how to do stuff I don't do regularly, so I don't consider myself good enough at Excel to do any detailed teaching.

Or do you think I was being condescending by giving super obvious information? Because I never meant to offend, I was trying to uplift. I've posted before on reddit about using the YNAB method without spending money and got a few replies asking how, so I wanted to go ahead and offer up that information first thing, for anyone scrolling by, in case it was helpful. You never know who's reading and where they're at in life

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Meocross t1_je6y0gz wrote

No no no nothing like that, i know excel how-to videos exist, i just didn't know to find them. XD

Let me be even more clear.

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>Sorry, it's hard to tell over text, but are you disappointed I didn't go into more detail about excel's functions?

No not at all, with the term "Excel budget sheet" it makes my task a whole lot easier.

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>Or do you think I was being condescending by giving super obvious information?

No no no not at all, every bit of info helps.

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MiloTheMagicFishBag t1_je71rgs wrote

Oh, excellent! :D

I just wanted to be extra sure, you never know with this place, right?

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Meocross t1_je7229y wrote

Meh as long as you avoid politics and religion this place is pretty chill, almost boring actually.

You got to admit the flamewars back in the forum days were excellent popcorn material.

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MiloTheMagicFishBag t1_je72b7s wrote

Haha, in the old days I was unfortunately the one IN the war, not watching on the sidelines

So many hours I'll never get back :')

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