If I were to lose my salary I'd like to know how far my "emergency fund" would last before I starve = knowing my action horizon or how fast I must act. I still have a need for a way of forcasting future expenses, e.g. What I wanted to say in the beginning was that I love how YNAB have helped me strutcture my budgeting, cut time I spend budgeting and learn the YNAB-philosophy's 4 rules.Īnyway, I'm going get to the point. I guess its another way of implementing rule 4 though. ![]() Instead I put the excess money in the "emergencey fund" and retracts money from it when the next month starts, when the salary comes in the end of the month I just refill the "emergency fund". Well I havent implemented rule 4 in the YNAB-way. When I got hold of YNAB, I found the 4 rules really pedagogic and useful. ![]() My excel-sheets became quite complex (they did reflect the reality very accurate), but they were very time consuming (YNAB cut alot of meta-work here). ![]() I have used excel to budget my economy since i was 15.
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