Tracking Cash Spending in YNAB Part 2 Training Video

(See below for embedded video.) Here is a link to a new training video I just uploaded to help YNAB users.

(Sign up here to get 34 days free to test YNAB.)

This is the second video on tracking cash in YNAB. This video focuses on tracking spending cash in YNAB plus reconciling the cash account.

In the previous video (part one), I talk at length about receiving cash. But both videos contain demonstrations of how to do split transactions.

051: A Reminder that Money Doesn’t Buy Love & Inspirational Reading “I am Not My Money”

Episode Summary

In today’s episode, I’m going to:

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049: Making a Mountain Out of a Molehill & Inspirational Reading 12/14 “Avoiding Pain”

Episode Summary

In today’s episode, I’m going to:

  • Talk about why I wasn’t willing to let my husband return a library book I reserved for him late.

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048: Letter to a Suffering Friend, Spending Plan Training, the Future, & Inspirational Reading 5/27 “The Enemy of Creativity”

As of the date of this post, there are still many people suffering the consequences of Hurricane Irma in Florida and Hurricane Harvey in Texas. We live in South Florida and were very lucky to get our power back quickly, and suffered minimal damage to our property. For us, life has returned to normal. But for so many others, it’s a continuing nightmare. I just wanted to send heartfelt wishes to those who are still struggling to recover soon.

Episode Summary

Well, I’m back. Since my last episode in February. I took a much needed break. My mind began to clear. And a few ideas emerged and began to take shape, which I’ll tell you about shortly.

In today’s episode, I’m going to:

  • Share a letter I wrote to a friend who is struggling with compulsive spending.
  • Tell you about my spending plan training programs.
  • Explain the new format for the “I Can’t Stop Spending!” website.

 

I’m so happy to be back walking the path of recovery with you!

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046: Resisting that Irresistible Urge to Spend & Inspirational Reading 2/21 “Cost vs. Price”

In this Episode

Image by George Hodan

00:48 Resisting that Irresistible Urge to Spend
I read from an article I found about a woman in the U.K. who is pleading for help to keep from compulsively spending the rent money she hasn’t been able to pay for six months, due to a problem with the landlords.

08:07 Inspiration from the Daily Reader for Compulsive Debtors and Spenders: February 21st: “Cost vs. Price”

10:00 A note about the inspirational readings
I want you to know that you can benefit from these readings whether you are in a 12 step recovery program or not.

Resources Mentioned in this Podcast Episode

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045: Five Reasons to Ignore Valentine’s Day & Inspirational Reading 2/14 “Valentine’s Day: A Plea for Sanity”

In this Episode

00:52 Five Reasons to Ignore Valentine’s Day
In today’s podcast, I try to help you get right-minded about Valentine’s Day. Once you listen to this episode, I guarantee you won’t ever look at it the same way! I’ve posted a more extensive article on the subject, called “Why I Ignore Valentine’s Day and Why You Should Too” on Medium.

08:15 Inspiration from the Daily Reader for Compulsive Debtors and Spenders: February 14th: “Valentine’s Day: A Plea for Sanity”

Resources Mentioned in this Podcast Episode

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039: Year Themes, Try These Tips Today, & Inspirational Reading 1/1 “Resolutions”

In this Episode

1:28 More about Choosing a Theme for the Year
I continue talking about resolutions vs. goals vs. themes and why a theme may be the best idea for the upcoming year.

06:37 A Couple of Ideas to Help You Shift Your Relationship with Money Now
Just a few ideas you can implement easily and quickly that may give your year a jump start around having a healthier relationship with money and spending.

08:32 Inspiration from the Daily Reader for Compulsive Debtors and Spenders: January 1st: “Resolutions”

Music Attribution

“Life of Riley” (Intro and Outro), “Carpe Diem,” “Crusade,” “Cuban Sandwich,” “Fearless First” by Kevin MacLeod (incompetech.com)
Licensed under Creative Commons: By Attribution 3.0 License
http://creativecommons.org/licenses/by/3.0/


Help with Your Spending Plan

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038: Paradoxical Reactions, Preparing for Next Year, & Inspirational Reading 12/25 “Benevolence”

Read the post for this podcast on our sister site: Getting Out from Going Under

In this Episode


1:03 Paradoxical Reactions
I talk about my experience with medication where I have the opposite reaction from what is intended, and explain why that is similar to how many of us react around the holiday. Then, I give a couple of suggestions about how to move past the possibly negative emotions we experience during this time of year.

08:57 Preparing for Next Year
I talk about how you can move out of the negative emotions that surround the holidays by preparing for next year. I give you a two-step process to follow. The first part is looking at your accomplishments from the year just past and setting some goals for the upcoming year.

But I give very specific instructions on the types of goals it’s best to set and why certain goals will just set you up for failure. Plus, I talk to you about the process of using a “God box” (make your own and call it whatever you’d like – “Higher Power box,” “HP box,” “Sacred box,” “Fred’s box,” you get the idea).

At time stamp 13:20, I talk specifically about what types of goals to set if you are a compulsive spender still in the throes of your addiction.

After listening, I’d love to hear about your accomplishments and goals. Just leave them in the Comments section of this episode (below)!

17:08 Inspiration from the Daily Reader for Compulsive Debtors and Spenders: December 25th: “Benevolence”

Resources Mentioned in this Podcast Episode

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037: A Perfect Day for Recovery & Inspirational Reading 12/24 “Breaking the Cycle”

In this Episode


00:50 It’s a Perfect Day for Recovery
You don’t have to wait until January 1st to begin your recovery from compulsive spending! I tell you why today (a week before Christmas and Hanukkah) is the absolutely perfect day to begin!

Read the post for this podcast on our sister site: Getting Out from Going Under

08:29 Inspiration from the Daily Reader for Compulsive Debtors and Spenders: December 24th: “Breaking the Cycle”

Resources Mentioned in this Podcast Episode

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Post: A Perfect Day for Recovery


Click here to listen to the podcast for this post.

As I write this, it’s a little over a week before Christmas and Hanukkah. And it came to me that it’s the perfect day to begin a recovery program or to re-commit to recovery around compulsive spending. What better time to let your addiction know that you mean business then to affirm your commitment in the midst of the frenzied spending around the holidays.

In fact, if you suffer from any addiction, now is the time to get the help you need to become and stay sober or abstinent or clean or solvent or authentic or whatever describes your addiction. This is the season of excess, whether it’s food, money, sex, alcohol, people-pleasing, anxiety, sadness, anger, or whatever else you are powerless over.

I’ll tell you why this came up for me today. I attend a Debtors Anonymous (DA) meeting where we read and share on DA pamphlets. This week, while working through the Recovery from Compulsive Spending pamphlet, we read and discussed “suggestions that have helped many D.A. members recover from the pain of compulsive spending.” (from the pamphlet)

It was when we read this bullet point that I had my epiphany! “Attend D.A. meetings regularly for group support to counteract advertising and other societal pressures to spend and debt.”

Now, I’ve long heard people in various programs talk about the importance of attending meetings so we can give back what we’ve so generously been given, and how newcomers need meetings to really understand how 12 Step programs work and to develop a network of support.

But I’d never thought about meetings as a tool and a defense against the consumer marketing monster and societal messages urging us to spend money. And when is there more pressure on people for such a sustained period to buy, buy, buy as the lead up to Christmas, Hanukkah, and other December holidays? So when would there be a better time to get support than when the clock is ticking down to frenzied gift buying during this holiday season? You can make a commitment to recovery from compulsive spending to keep you sober with money now, today, not next week or next year.

Sure, there are other holidays where we feel pressured to buy. Never mind the other days that give us an opportunity to practice love, consideration, and giving of ourselves. I’m thinking of all those stupid Hallmark holidays that insist that the only way to show your mother or father you love them is to buy them an extravagant gift you probably can’t afford, which must be given to them on a particular Sunday in May or June in order to count.

Then there’s the message that you’d better give a big fat piece of jewelry to someone on a random day in February along with chocolate and flowers or someone will be hurt and believe you don’t love him or her. (don’t get me started about Valentine’s Day and where that holiday came from! Here is a link to an article I wrote about that.)

And, of course, there’s the Friday after Thanksgiving. But I’ve already covered why that’s the day for amateur spenders in this article, so you don’t need to bother even revving up your engines.

But the month of December is the granddaddy of spectacular spending pressure … because it starts in November! And there are so many gifts we think we need to buy. For compulsive spenders, once we make that first out of control or “I have to or they’ll be upset” purchase, we don’t know where it will end. But it’s usually not a happy ending. So why not stop it now?

You don’t have to wait until January 1st to make the decision and commitment to recover from compulsive spending. You can start today. Yes, you can.

Now, I’m about to say something shocking.

Are you ready?

You could cut up all your credit cards and cancel all the accounts today (or even just one account).

Oh no, I just heard a collective gasp from you all.

OK, breathe.

I realize you are probably going to need help to accomplish that step. I’m just saying you could do it in theory. Listen, I’m not suggesting you run a marathon today, but you can start by taking a walk around the block today. You can start by asking for help with your addiction.

You can get support to help you have a sober holiday season this year. There’s nothing magical about January 1st. People in recovery don’t make a list of resolutions once a year because we recommit to our recovery every day.

In fact, if you begin now, you can start to work on your spending plan for next year, so that you won’t be scrambling around holiday spending next December.

That’s why I say that there’s no better day for recovery than today. Stand up to your disease and you can have an army of support behind you.

Remember, there is no need to hit a bottom any lower than the one you’ve already hit. You can choose today to be Day One of recovery. There are many who have been just where you are who are waiting and wanting to help you. You may not know it yet, but there’s also an arsenal of tools available to support you.

If you are suffering from feeling beaten down by your compulsive spending, and know that you are just winding up to create more out of control debt during this holiday season, why not give 12 Step recovery a try? Both Debtors Anonymous and Underearners Anonymous have many phone meetings, which are incredibly convenient, as well as lots of live meetings.

Yes, I know that there is not just one road to recovery. But this is a road I have personally walked and I paid off over $34,000 of debt in seven years and I am still living within my means today (just one day at a time). And, just so you know, I only attend phone meetings. Plus, 12 Step Fellowships are 100% free for members.

All the help you need is just waiting for you to walk through the door or pick up the phone. It is offered freely and given to you with love. And it is available today and every day you want it, one day at a time.