In this conversation, Monique Malcolm and I discuss the lifechanging magic of YNAB (You Need a Budget). Monique shares her debt free journey and personal experience of using YNAB to pay off $173,000 of debt and achieve a positive net worth. She explains the four rules of YNAB, which include giving every dollar a job, embracing true expenses, rolling with the punches, and aging your money. We also discuss the learning curve of using YNAB and the importance of trusting your budget. Monique recommends using resources like the YNAB website and Reddit for support and learning. We chat about the benefits of using YNAB for managing income fluctuations and provide information on where to find resources for getting started with YNAB.

Check out Monique's blog post & podcast episode, "From $173,000 in Debt to DebtFree: My 4Year Journey to Financial Freedom" https://taketinyaction.com/debtfree...

Monique’s YouTube channel:    / @taketinyaction  

Sign up for YNAB (aff. link): https://ynab.com/referral/?ref=xSWCyB...

00:00 intro
01:03 Monique’s $173K debt free journey with YNAB
04:50 How YNAB brings mindfulness to your money management
07:52 YNAB’s 4 Rules for Budgeting
11:56 Using YNAB for business budgeting
14:02 Mindset shift to zerobased budgeting with YNAB
17:16 Getting started with YNAB & YNAB resources


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ABOUT MALLORY ‍

Hi! I'm Mallory Whitfield. I live in New Orleans, Louisiana, and I’m a marketing mentor & small business coach for highachieving, multi passionate creative weirdos.

I started my first handmade business way back in 2004, and along the way, I taught myself all about digital marketing and how to run a business. I learned marketing the hard way, making a LOT of mistakes along the way. In 2014, I switched to a fulltime career in digital marketing. Since then, I've worked with hundreds of artists, creative entrepreneurs, and small businesses, teaching workshops on SEO, ecommerce, blogging, social media & email marketing at events like Craftcation and New Orleans Entrepreneur Week. As Adjunct Professor at Tulane University's School of Professional Advancement, I taught & developed classes on Digital Media Principles & Strategy and Creating Digital Content.

Learn more about me here: https://www.badasscreatives.com/about



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