How to Budget on Any Pay Cycle

A complex pay schedule can trick us into thinking budgeting just isn't for us. Luckily, no pay cycle is too complex for a YNAB budget! Learn the best budgeting method and frequency for your unique pay cycle that keeps you one step ahead of your income.

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Resources

How to Create a Budget Template in YNAB

Budgeting in Uncertain Times (Needs vs Wants Budget)

Ideas for Cutting Spending

Read: The Ultimate Getting Started Guide

Watch: Four Budgeting Rules for Less Money Stress

Join: Getting Started Free Live Workshop

Listen: Rule One Broken Down

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Sign up for YNAB’s weekly email newsletter with the week’s best budgeting wisdom and inspiration!

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Come say, "Hi!" on social:

And read our BLOG here:

#budgeting #youneedabudget #ynab

[N-K]

Not gonna hold back; Hannah is the best. Addicted.

[nicholasschneider]

Honestly this is better than anything on Netflix. Hannah is the best.

[dalleenpente]

This week was the first time we could cover the next month obligations. What a relief! Thanks YNAB and all your funny videos

[yana_m]

I am on vacation now, and I watch tons of Hannah's videos. I can feel how YNAB ideas infiltrate deeper and deeper, and I am so happy because this is what I desperately wanted for months.

[kalifusch]

Very late to this video but yet another great one! Fun to see the old YNAB aesthetic. One feature I haven't seen come in that I would love: a way to sort budget categories by "due date" with the soonest showing at top. Or, filter categories that are "due by X" to see those categories that are not flexible in time. Just a thought! Thanks Hannah and YNAB team!

[mannyabdulai]

This is the first time budgeting has not seemed overwhelming to me. I budget the money I actually have. I can do this.

[carlosaberdinas]

I love your video's Hannah, they are educational and funny... Thanks you for making living on a budget fun

[lindab]

I’m addicted to these videos but I’m so happy I stumbled across it. I don’t know why but I was trying to use Qapital to do this (for years, try maybe 5 😗!!) so I’m happy to say I’ve converted. Thanks for all your hilarious videos Hannah and the helpful tips. I learn something new after every video!! ❤️

[simonvoigt]

Perfect! And I love your delivery Hannah.

[leerv.]

Yes, this is how you can do it! :) I think Rule Four is my favorite rule, just because it feels SO GOOD to start putting your money into the next month! It's like a giant boulder just rolls off your back, you walk outside and it's sunshine and birdsong. I'm now budgeted through July; my next check will go into August. Ya don't know how great it feels until you're doing it, too! <3

Hannah, how is your musical education going?!

[mishka.a]

I get paid at 25th of each month. I am in my trial and I was so confused when the new month started and there was "0" in a "Budgeted" Column. I had a panic attack ahaha! But now it's very clear that the most important column is "Available"!

[evingerleanhudson]

I kept hearing about software and thought to check it out today. Not only was this video JUST posted, but I'm also seeing what the HYPE is all about and I'm excited to further check it out. I’m most looking to how you all have, in my head, introduced reconciliation of accounts in personal finance. I do this with my business and really like this approach. :)

[dagnabit]

I've been glued to your videos for the last few days. I use excel to budget but I'm tempted to try the app. It seems so useful! I just don't want to pay for what I can do for free. But it's definitely a cool resource

[edwardfarmer]

Great video ! These methods take away a lot of stress, constant back of the mind worry, and give a lot of peace of mind . Thanks Hannah ! Plus they give a person a lot of momentum to get ahead and really build their business and set and achieve higher financial Goals

[jamesrickard]

Great Job! I love watching your teaching on YNAB

[erakkovaatainen]

You made me subscribe on trial and I plan to continue. The only app which seems to work.

[amandanance]

We make sure we have the 4 walls covered food, car insurance, mortgage, electric. Then the car payment is in a separate account because that is the tax refund money that pays for a year and a half of payments plus principle payment. Internet is paid for the whole year all at once with tax refund. The Christmas fund is funded. Then the extra paychecks which there are 2 during the year goes to car tags and back to school for the kids and tax preparer.

[keithmallett]

The "Side Hustle... Hanna Originals" :)

[coconutdance]

Wish I knew this wise advice when I started work years ago... In France, there’s no budget education. Hope Ynab will be accessories for french speaker someday, it would be so helpful for a lot of people around me...

[JessicaEvans-ztlf]

The whole reason I found YNAB was because I was looking for a system that did not require me to forecast my paycheck on the 1st of the month when I got paid once a month in the middle of the month. This is exactly why I chose YNAB.

And literal "what?!" when I saw you can set targets, then select all and fund them ALL! at once! Blew my mind.