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YNAB after 4 months

Four Month Update
We have been using YNAB for a little over 4 months now, I won't lie and say we are rolling in the dough and that using this software has made us all of a sudden have a ton of money in the bank. What I can say though is that we: Have a more solid plan to pay down our credit cards and have paid down more than $2,000 in credit card debt between the 3 cards (half that on one card alone).Paid a huge (un)expected electric bill ($400 extra). Were able to budget for a little under $450 in dental bills for the kids (in about 6 weeks time) and will continue adding to that budget category so we will have the money for their next appointments in 6 months.Started putting money in our Christmas gifts category which gave us a short time to budget for this expected expense that comes up every year.Have been able to tithe. Have a better understanding of where our money is going each month.All this without going into the overdraft since we started in July.
YNAB Reports Now that we …
Recent posts

Local Fashion Show of the Season

Sarah Jakubiec of LoSa Chic Boutique & Megan Propp of Pulse Apparel here in Yorkton, hosted an amazing fundraising event last evening....the cause? October is cancer awareness month and all the proceeds went to the Canadian Cancer Society and a precious little girl named Serenity who is fighting this battle. How cool is that when local businesses get together and come up with such a fantastic plan to help lighten the load for families!? Hats off to both of you and everyone who participated with this event!



Roughly 50+ ladies gathered in a shop on Broadway (next to LoSa) for a night of fun, food, & a fashion show! The models strut their stuff on the "catwalk" featuring attire from both stores. Raffles and a silent auction also played a part in helping Serenity and her family out with various expenses that come with treatment and travelling.

The theme for the evening was Business Casual & Casual. The outfits were tasteful and sophisticated...flower prints, faux leath…

Trim Tuesday Talks - Cold Weather Hot Drinks

I'm not a fan of cold weather or those crazy white flakes that fall from the sky...but, I am a huge fan of the cliche boots, scarves, vests, & hot drinks. I'm a Pumpkin Spice Latte kinda girl. Yup, I'm one of the fanatics. But really, just a cuppa jo puts a smile on my face!

What I don't like...high sugar, high carbs, & high price. $6 for a latte is definitely not my cuppa tea...er....um....coffee. Trim Healthy Mama to the rescue. Again and Again!
Today, after a weekend of eating traditional Thanksgiving yumminess, {Happy Canadian Thanksgiving!} the gut pains are real and no fun. Today is a day of deep S & FP meals, drinks and snacks. Also, chugging back that water will help. 
I skipped on over to page 464 of the new Trim Healthy Table Cookbook and you'll find the Frothy Hot Mocha. YUMMO! Is my review. So easy and hits the spot. I used half a scoop of chocolate protein powder, 2 Super Sweet Blend packets, & a splash of MCT oil topped with whipping c…

The Electric Bill (follow up)

Just a quick follow up to the electric bill that came up last month. As of October 20th (today) the full amount of the Septembers bill has been paid (over $420).
Now mind you Octobers bill has not been fully paid ($181) yet; but taking care of the large bill that was due at the end of September was the main priority so we did not go more then 30 days overdue as they generally don't like it if you do and if we got to that point where we were 60 days overdue I would have to contact them to schedule payments so they knew we were trying to recover from being behind and when to expect the payments so they wouldn't have to threaten us with cutting our power.


Settle up month and (un)expected expense

I don't know if all utility companies do this but for our electric and energy bill we can do equalized payments. This means as one would guess we will pay the same every month regardless of usage. Yes this means that we will overpay some months and underpay others but at least we know how much to budget for each month.
Well our first expected but unexpected expense has come. On the anniversary date of signing up for equalized payments becomes your Settle up month. If you have a credit for the year then your bill goes down and you usually have some form of credit towards your next bill(s) but if you overuse then they raise your bill and expect you to pay the difference. I knew that this was coming and that we were going to have a bigger bill but I couldn't remember which specific month it was and it turned out to be September's bill (I now have this tracked in YNAB. We ended up having our monthly bill go up by $14 which isn't bad but its the extra $260 plus the usage …

Opening Night for Stars for Saskatchewan - Leisa Way & The Wayward Wind Band

I had the privilege of watching my very first concert hosted by the Yorkton Arts Council. (Thank you Brenda!!!) As a mama to six children, a night out to enjoy a passion of mine was truly a blessing!

 The Yorkton Arts Council's mission statement is to "... provide(s) opportunities to engage in the arts through inspiration, education and entertainment." And that they did. The show tonight thrilled, educated and entertained the crowd!

Stars for Saskatchewan has an amazing line up this 2017-2018 year & I am looking forward to attending them all! Go check out them out and buy your tickets! ;)

Leisa Way & The Wayward Wind Band wowed the crowd tonight at the Anne Portnuff Theatre with their 'Oh Canada, We Sing for Thee'! Canadian Tour 2017. They have 28 shows planned from coast to coast. I'm glad Yorkton made that list! These beautiful, talented musicians and singers made us all proud to be Canadian. Tasteful humor in between songs had the crowd laughing out l…

Trim Tuesday Talks - Let's talk white bread!

Page 242 is a game changer. Low Carb bread has been revolutionized by the Trim Healthy Mama sisters!
What am I talking about? Wonderful White Blender Bread! WWBB as you'll see it floating around the world wide web.
I was definitely skeptical trying out this new recipe found on page 242 of the new cookbook Trim Healthy Table. I've had some blunders in the kitchen with low carb recipes....although I am definitely getting the hang of it now!! Really, when I started THM back in '13 I really hated trying to make a low carb anything work....bread, cookies, cakes...but now?? As long as the budget allows, I LOVE BAKING THIS STUFF! {sweets, breads, etc}
This WWBB stayed fresh in my fridge for 5 days, yes 5, without spoiling...it lasted that long because 1. it was only me eating it....sorry not sharing! and 2. I wanted to have enough to last me the week for quick breakfast options and lunches!
I used this bread for toast with eggs, grilled cheese sandwich, toast with peanut butter for a …