1. Budgeting is fine and you can definitely look ahead to money that you don’t have, but you should keep that separate from tracking actual spending and such. Trying to merge these together, as you’ve found, can be a big problem, but keeping them separate lets you track the past and forecast the future. That’s what it’s all about!

    • Absolutely! That is why I love YNAB so much, I can only plan with the money I have. It is such a different way of thinking and makes sense especially for those of us that have irregular income. Thanks for stopping in!

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