She's $2,500 Short Every Month After Her Divorce. Here's What We Did.

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Carley has been using YNAB for about 10 years. But after a recent divorce, her budget has become overwhelming.

In this coaching session, I help Carley simplify her nearly 170-category YNAB budget, rethink how she handles dining out, and create a plan for navigating the next several months while her expenses are higher than her income.

In this episode, we cover:
• How to know when your YNAB budget is too complicated
• The 3 reasons an expense deserves its own category
• Due-date vs. values-based budgeting
• A simpler way to organize kids, travel, gifts, and other expenses
• What to do when your expenses temporarily exceed your income
• How to stay focused through a difficult financial season

⏩ CHAPTERS
(00:00) Introduction
(00:20) Carley’s biggest budgeting problems
(01:06) Divorce, debt, and supporting three kids
(05:09) Her budget has nearly 170 categories
(06:09) The 3 reasons to create a category
(07:43) Due-date vs. values-based budgeting
(14:36) Convenience vs. relationship dining out
(19:19) Cleaning up old categories
(25:44) A simpler way to organize kids’ expenses
(35:16) Simplifying Christmas
(37:24) A better way to organize travel
(42:22) Simplifying gifts and holidays
(45:56) Her expenses exceed her income
(49:04) Creating a vision for life after this season
(50:53) Carley’s biggest takeaway

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Interested in working with me?: https://mappedoutmoney.com/coaching/
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My Website: https://mappedoutmoney.com/
Podcast: https://podcasts.apple.com/us/podcast/mapped-out-money/id1503281170
Twitter: https://twitter.com/nickdtrue