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YNAB  
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Welcome!  
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What You’ll Learn Today:  
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How Having All Your Finances in One Place Feels Really Good  
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Hey there,  
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Last time we talked about why you started budgeting (or really, who you started budgeting for).  
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Today, I want to introduce you to the based on a true story of Jamie and Oscar (not their real  
names). They were tired of living paycheck to paycheck and decided to try YNAB.  
Today you'll hear  
how they got started.  
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The Story of Jamie and Oscar  
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For Jamie and Oscar, it was a whirlwind romance.  
She saw him, he saw her, and that was the end of  
that. They went for pizza on their first date ($31.50 with tip).  
It made Oscar sick but he didn’t  
tell Jamie until date number 17.  
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They got married approximately 782 days later, in a small ceremony and they had donuts instead of  
cake (wedding total: $18,932. But who’s counting? Oh right, Jamie’s dad.  
He was definitely  
counting).  
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Their romance was dazzling. Their finances were not.  
Jamie came into the marriage with student loan  
debt ($48,500), Oscar had credit card debt ($9,200) and an outstanding car payment ($13,800).  
All  
in $71,500 owed.  
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They made $65,000 slash year combined, but they still felt underwater you might even say they felt like  
they were drowning. They didn’t fight often, but when they did it was about money.  
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But the thing is, they had dreams.  
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They wanted to have kids one day, to buy a house.  
Heck, some days they just wanted to buy the fancy  
cheese at the grocery store ($11) and not feel bad about it.  
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Their dreams had always felt out of reach when they glanced at their checking account.  
But one day  
(actually, the same day Jamie stood at the grocery store staring at fancy cheese), they decided  
something had to change.  
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It was time to take control of their finances.  
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So, they decided to try YNAB after doing a little internet research.  
Who knew if this would  
actually work other budgets hadn’t.  
When they entered their accounts, here’s what their balances looked like:  
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YNAB  
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It was tough to see it all laid out like that.  
They knew they were struggling, and now they finally  
saw why.  
It wasn’t a great feeling, but there was some relief in bringing to light what had been  
hidden for so long.  
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YNAB  
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Stay tuned in the following emails for the rest of Oscar and Jamie’s story it’s a good one!  
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Happy budgeting,  
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Teacher at YNAB  
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Jesse from YNAB  
  
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P dot S. Want to get the best YNAB tips and tricks around?  
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motivation.  
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