College Student Spending More Than She Makes. This Is How We Fixed Her Budget.

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Work with me here: https://mappedoutmoney.com/coaching
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In this coaching session, I work live with Sierra to clean up her budget and get her monthly plan back in line with her actual income. But once we fix the numbers, we get into the bigger issue: how do you actually stick to the budget when spending money has become your hobby?

We talk about why a compelling vision matters, how to make checking YNAB easier, and how to replace impulse shopping with weekends that are more intentional and aligned with your values.

In this session, we cover:

- How to set up debt payoff in YNAB
- What to do when your budget requires more money than you make
- How to cut spending without making your budget miserable
- How to build a daily YNAB habit
- How to move away from shopping as a hobby

By the end, Sierra has a budget that actually fits her income, a realistic debt payoff plan, and a much clearer strategy for spending with intention.

▶️ CHAPTERS
00:00 Intro
01:14 Cleaning up her YNAB budget
03:12 Fixing her debt payoff targets
09:31 Using this month’s money for next month
12:14 Her budget needs more than she earns
16:00 Cutting the budget without making it miserable
25:51 Getting ahead with her paychecks
29:02 Finding a compelling reason to budget
36:08 Building a vision you actually care about
43:02 Making YNAB a daily habit
50:47 When shopping becomes the hobby
52:43 Finding better ways to spend the weekend


Use My YNAB Affiliate Link for a free month: https://mappedoutmoney.com/ynab

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