Haddi aanad waligaa isticmaalin adeega miisaaniyada waxaad u baahantahay miisaaniyad^{(You Need a Budget)} ( YNAB ), markaa waxa laga yaabaa inaadan aqoon u lahayn fikradda miisaaniyada ee loo yaqaan miisaaniyada wadarta eber.

Awoodda miisaaniyad-ururinta eber, iyo isticmaalka waxtarka leh ee YNAB, waa sababta aan ugu qiimeynay YNAB inay tahay adeeg miisaaniyadeed ka wanaagsan Mint^{(we rated YNAB as a better budgeting service than Mint)} . 

Laakin qiimaha YNAB aad ayuu uga fog yahay sifooyinka website-ka ama mobile-ka. Sababta YNAB ay kaaga caawin karto in aad gacanta ku dhigto dhaqaalahaaga waa sida uu adeeggu kuugu caawinayo in aad barato lacag-ururinta eber adigoo isticmaalaya adeegga.

Waa maxay Miisaaniyadda Wadarta Eber?

Marka dadka intooda badan ay miisaaniyad sameeyaan, waxay abuuraan qaybo waxyaabo ay ka mid yihiin biilasha, yutiilitida, iyo raashinka oo leh qadar go'an oo ay ku kharash gareeyaan bil kasta.

Qaddarkaas waxa la dejiyay iyadoon loo eegayn inta dakhliga ku soo gala (inkasta oo la door bidayo kharashyadu inay ka yaraado dakhligaaga). Sababtan awgeed, inta badan fikir aad u yar ayaa la siiyaa waxa lagu sameeyo lacag dheeraad ah. Sidoo kale, qaabkan miisaaniyadeed waa hab lagu qorsheeyo dakhliga mustaqbalka ee aanad wali haysan.

Tani waa asal ahaan sida Mint ay kuu ogolaato inaad miisaaniyad isticmaasho madalkooda.

Dhibaatada habkan ayaa ah inaad had iyo jeer isku daydo inaad qorsheyso mustaqbalka adoon ogayn xaaladdaada dhaqaale ee dhabta ah mustaqbalka. Marka wax lala yaabo ay dhacaan, haddii aadan ku darin wax miisaaniyadaada ah si aad u maareyso iyaga, waxay khatar gelin kartaa dhammaan qorshaha maaliyadeed.

^(Zero)Miisaaniyadda wadarta eber aad ayey uga duwan tahay. Mar kasta oo aad hesho dakhli^{(you receive income)} , waxaad u baahan tahay inaad mid kasta oo ka mid ah doollarkaas u qoondayso biilasha, raashinka, ama alaabta kale ee kugu gaadhsiin doonta jeegaga mushaharka xiga ama dakhliga kale.

Mar haddii aad YNAB ku xidho akoonnadaada bangiga, il kasta oo dakhli ka soo galo waxa lagu dabaqayaa qaybta Miisaaniyadda^{(To be Budgeted)} ee lagu muujiyey xagga sare ee bogga shabakadda ama abka.

Hadafkaaga mar kasta oo aad gasho si aad u maamusho miisaaniyadaada waa in aad doorato mid kasta oo ka mid ah qaybaha aad ku leedahay biilasha soo socda oo aad u qoondayso in kugu filan oo ah "Si loo Miisaaniyado" si aad u daboosho biilashaas.

Fiiro gaar^(Note) ah: Si aad tan si sax ah u sameyso, waxaad u baahan doontaa inaad ku ilaaliso biilkaaga taariikhaha bixinta xaashi kale^{(bill due dates in another spreadsheet )} sababtoo ah YNAB ma haysato meel ay ku muujiso marka biilkaas badanaa yimaado.

Marka dakhligaagu ka baxo miisaaniyada, waxaad u baahan doontaa inaad sugto jeegaga mushaharka soo socda ama isha kale ee dakhliga si aad ugu qoondayso lacag badan biilasha kale. Markaa si xikmad leh u qorshee oo bixi biilasha ku habboon marka hore!

Sidee Miisaaniyadda Isku-darka eber^{(Zero Sum Budgeting)} ah ee YNAB ay uga Wanagsan tahay^{(YNAB Is Better)}

Waxaa jira dhowr sababood oo habka miisaaniyad-ururinta eber-ka ah ee YNAB ay kaa caawinayso inaad si dheeraad ah u maamusho dhaqaalahaaga.

Waxay khusaysaa Dakhliga Dheeraadka ah ee Kaydinta Muhiimka ah^{(Applies Extra Income to Important Savings)}

Haddii aad haysato biilal ka yar inta dakhliga ku soo gala (kuwaas oo aad tahay, ama waa inaad eegtaa biilasha dhimista), markaas YNAB waxay kugu qasbeysaa inaad lacagahaas dheeraadka ah u qoondayso shay. 

Tani waa marka aad ka fekereyso inaad ku darto qaybo kale si aad ugu dabaqdo dakhligaaga sida sanduuqa xaaladaha degdegga ah, sanduuqa wax iibsiga dharka, kaydinta fasaxa, kaydinta fasaxa, iyo wax ka badan. Kuwani waa waxyaalaha aan la saadaalin karin ee aanad waligaa u muuqan inaad haysatid lacag kugu filan markaad miisaaniyadayso qaabkii hore.

Tani waxay ka dhigan tahay marka aad lacag ku urursanayso akoonkaaga bangiga, dhammaan lacagahaas waxay leeyihiin ujeedo gaar ah. Waligaa kama werwerin inaadan haysan lacag marka gaadhigaagu jabo ama aad u baahan tahay inaad samayso dayactir guri, sababtoo ah waxaad iska luminaysay lacagaha ujeedooyinkaas.

Waxay kugu ilaalinaysaa in lagu edbiyo kharashaadkaaga^{(Keeps You Disciplined With Your Spending)}

Markaad kharash garayso miisaaniyada aad u qoondaysay qayb YNAB ah , waxaad arki doontaa hadhaaga oo casaan noqda. Tani waxay la macno tahay inaad u baahan tahay inaad dhaqaalaha ka beddesho waxyaabaha kale ee aad dakhligaaga ku shubatay si aad u daboosho kharashaadkaas xad dhaafka ah.

Waxa aad tan samaynaysaa adiga oo dooranaya hadhaaga cas ka bacdina aad isticmaalayso suuqa kala iibsiga lacagaha si aad lacag uga xawilo qayb kale una gudbiso midkan xad dhaafka ah.

Tani waxay kugu qasbaysaa inaad si joogto ah ula socoto kharashkaaga iyo saamaynta ay ku leedahay dhaqaalahaaga. Ma awoodi doontid inaad ku kharash gareyso waxyaabo ay ka mid yihiin hadiyadaha dhalashada ama wax ka cunteynta adoon u baahnayn inaad ka jawaabto adiga oo lacag ka fogeynaya waxyaabaha kale ee aad danayso.

Waqti ka dib, tani waxay kaa caawineysaa inaad la socoto inta ka hartay inaad ku bixiso qayb kasta, oo aad hubiso inaad ku hayso kharashkaaga habka qaybahaas.

Sidoo kale waa hab-waxbarasho. Haddii aadan ku meelayn wax ku filan sida raashinka, adeegsiga YNAB waxay ku tababari doontaa inaad fahanto qaabka kharash bixintaada dhabta ah iyo inta aad dhab ahaantii uga baahan tahay qaybahaas.

Miisaaniyada Ku Salaysan Kharashka Dhabta Ah^{(Budgeting Based on Real Spending)}

Marka aad miisaaniyad ku salaynayso biilasha mustaqbalka iyo dakhliga mustaqbalka, waxaad had iyo jeer qiyaasaysaa inta aad u malaynayso inaad u baahan tahay. Male-awaalkani waxa uu noqon karaa mid dhab ah, oo ku salaysan cilmi baadhista bayaannadaadii bangi ee hore. Si kastaba ha ahaatee, dadka intooda badan wakhti kuma qaataan inay tan sameeyaan.

YNAB waxay ku siinaysaa taariikhda kharash bixinta dhammaan qaybaha aad abuurtay. Kharashaadkan waxa loo qoondeeyay iyadoo lagu salaynayo waxa ka soo baxay akoonkaaga bangiga^{(what came out of your bank account)} iyo qaybta aad u qoondaysay kharashkaas.

Kuwani waa tirooyin dhab ah, ee maaha qiyaas. Warbixinnadan YNAB waxay kaa caawin karaan inaad hagaajiso inta lacag ah ee aad u qoondayso qaybahaas mar kasta oo aad hesho dakhli cusub.

Waqti ka dib, tani waxay kaa caawineysaa inaad lacagtaada u qoondeyso si mas'uuliyad iyo waaqici ah. Waxa kale oo ay iftiiminaysaa halka laga yaabo inaad si xad dhaaf ah u kharash garayso si aan loo baahnayn oo aad dib u dhigto si aad u isticmaasho lacagahaas waxyaabaha aadka muhiimka kuugu ah sida fasaxyada ama kaydka kulliyadda.

Waxay Ku Awoodaysaa inaad Badbaadiso oo aad Si Wanaagsan u Bixiso^{(Empowers You to Save and Spend Better)}

Qaybta warbixinnada ee YNAB waxay kaa caawinaysaa inaad si fiican wax uga qabato habka kaydintaada iyo kharashyadaada. 

Waxaad arki kartaa waxyaabo ay ka mid yihiin:

• Dakhligaaga guud iyo kharashyada guud
• Kharashkaagu waxa uu u socdaa qaab jaantus ah
• Shaxda xariiqda iyo baarka oo tusaysa sida aad u urursatay qiimaha saafiga ah in muddo ah adiga oo isticmaalaya miisaaniyada wadarta eber ee YNAB .

Jaantusyadani waa hab-celin xoog leh oo ku siin doona dareen aad u wanaagsan oo ku saabsan samaynta doorashada saxda ah halka aad dakhligaaga ku dabaqday qaybaha kala duwan ee noloshaada.

Waxaad ogaan doontaa in qiimaha saafiga ahi uu bilaabo inuu kor u kaco laga bilaabo maalinta ugu horeysa ee aad bilowdo isticmaalka YNAB oo aad isticmaasho mabaadi'da miisaaniyad wadareedka eber.

Markasta oo aad anshax badan ku leedahay ilaalinta lacagaha laguu qoondeeyay, ayaa ay sare u kacaysaa lacagahaaga kale sida qaybaha kaydka ayaa sii wadi doona inay kor u kacaan bil kasta. Kuwani waxay gacan ka geystaan ​​kor u kaca qiimahaaga saafiga ah.

Isticmaal YNAB iyo Miisaaniyad Wadarta Eber

Hadda, ma jiro adeeg kale oo miisaaniyadeed maanta^{(no other budgeting service today)} oo si wax ku ool ah kaa caawinaya inaad si sax ah u isticmaasho miisaaniyad wadareedka eber. Waxay kaa caawinaysaa inaad u adeegsato habka nolol maalmeedkaaga qaab waara oo aan carqaladayn nolol maalmeedkaaga.

Waxa kale oo ay noqotaa madadaalo, mar kasta oo aad hesho dakhli, inaad lacagtaas ku dabaqdo waxyaalaha adiga kuugu muhiimsan. Waana wax aad u faa'iido badan inaad daawato qaybaha kaydkaaga oo kor u kacaya wakhti ka dib, taas oo ay ugu wacan tahay anshaxaaga iyo qorsheynta taxadar leh.

YNAB Review: Wrapping Your Head Around Zero Sum Budgeting

If you’ve never used the budgeting service You Need a Budget (YNAB), then you might not be familiar with the budgeting concept known as zero sum budgeting.

The power of zero sum budgeting, and YNAB’s effective use of it, is the reason why we rated YNAB as a better budgeting service than Mint. 

But the value of YNAB goes far beyond the website or mobile app’s features. The reason YNAB can help you gain control of your finances is because of how the service helps you learn zero sum budgeting just by using the service.

What Is Zero Sum Budgeting?

When most people budget, they create categories for things like bills, utilities, and groceries with a fixed amount to spend every month.

Those amounts are set regardless of how much income you have (although preferably expenses should be less than your income). Because of this, often very little thought is given to what to do with additional funds. Also, this form of budgeting is a way to plan for future income that you don’t actually have yet.

This is essentially how Mint lets you budget using their platform.

The problem with this approach is that you’re always trying to plan the future without knowing your actual financial situation in the future. When surprises hit, if you didn’t include something in your budget to handle them, it can put the entire financial plan at risk.

Zero sum budgeting is much different. Each time you receive income, you need to assign each of those dollars to the bills, groceries, or other items that will get you through to your next paycheck or other income.

Since you sync YNAB to your bank accounts, any source of income gets applied to a To be Budgeted category shown at the top of the web page or app.

Your goal every time you log in to manage your budget is to select each of the categories where you have immediate upcoming bills and assign enough of your “To be Budgeted” amount to cover those bills.

Note: To do this correctly, you’ll need to maintain your bill due dates in another spreadsheet because YNAB does not have a spot to show when that bill usually comes due.

Once you’re out of income to budget, you’ll need to wait for your next paycheck or other source of income to assign more funds to other bills. So plan wisely and pay the bills that are due first!

How Zero Sum Budgeting on YNAB Is Better

There are a number of reasons the zero sum budgeting approach on YNAB helps you gain more control over your finances.

Applies Extra Income to Important Savings

If you have fewer bills than you have income (which you should, or you should be looking at cutting bills), then YNAB forces you to assign those extra funds to something. 

This is when you should be considering adding other categories to apply your income to like an emergency fund, a clothes shopping fund, vacation savings, holiday savings, and more. These are the unpredictable things that you never seem to have enough available funds for when you budget the “old” way.

This means that as you’re accumulating money in your bank account, all of those funds have a reserved purpose. You never have to worry about not having money available when your car breaks down or you need to do a home repair, because you’ve been socking away funds for those purposes.

Keeps You Disciplined With Your Spending

When you overspend the funds you’ve assigned to a category in YNAB, you’ll see the balance turn red. This means you need to shift funds from other things you’ve applied your income to in order to cover that overspending.

You do this by selecting the red balance and then using the funds transfer window to transfer money from another category to this overspent one.

This forces you to constantly stay aware of your spending and the impact it’s having on your finances. You won’t be able to overspend on things like birthday gifts or dining out without having to answer for it by taking money away from other things you care about.

Over time, this helps you to stay attuned to how much is left to spend in each category, and ensure you keep your spending on track in those categories.

It’s also a learning process. If you don’t assign enough for things like groceries, using YNAB will train you to understand your true spending patterns and how much you actually need in those categories.

Budgeting Based on Real Spending

When you budget based on future bills and future income, you’re always guessing how much you think you’ll need. This guessing might be realistic, based on researching your past bank statements. However, most people don’t take the time to do this.

YNAB provides you with a history of spending across all of the categories you’ve created. This spending is allocated based on what came out of your bank account and which category you assigned that spending to.

These are real numbers, not guesses. These reports in YNAB can help you fine-tune how much money you allocate to those categories every time you receive new income.

Over time, this helps you allocate your money more responsibly and realistically. It also highlights where you might be overspending unnecessarily and can cut back so that you can apply those funds to things that are more important to you like vacations or college savings.

Empowers You to Save and Spend Better

The reports section of YNAB helps you get a better handle on your saving and spending patterns. 

You can see things like:

• Your overall income versus overall expenses
• Your spending patterns over time in a pie chart format
• A line and bar chart showing how you’ve accumulated net worth over time by using the zero sum budgeting with YNAB.

These charts are a powerful feedback system that’ll make you feel very good about making the right choices with where you’ve applied your income to various areas of your life.

You will notice that your net worth starts to improve from the very first day you start using YNAB and applying zero sum budgeting principles.

The more disciplined you are with keeping to your assigned funds, the higher your other funds like savings categories will continue to rise each month. These contribute to your rising net worth.

Use YNAB and Zero Sum Budgeting

Currently, there’s no other budgeting service today that effectively helps you use zero sum budgeting correctly. It helps you apply the approach to your everyday life in a way that’s sustainable and non-intrusive for your daily life.

It also becomes fun, each time you receive income, to apply that money to the things that matter the most to you. And it’s very rewarding to watch your savings categories rise over time, thanks to your discipline and careful planning.

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