The first 10 days of November have been a bit of a struggle in terms of sticking to my budget. As you may know if you’ve been reading my blog, I use YNAB for budgeting. YNAB forces you to only budget money you have. Which is great when you are trying to reduce spending beyond your means. However, I have never tried to only budget for money I have. It’s so common sense but also so revolutionary…which makes no sense I realize. Continue reading “Sticking to a Budget”