First Spending Plan Training Video Available: Tracking Cash in YNAB

I finally finished my first video to help people with their spending plan! This first video walks you through tracking cash in YNAB. It’s an area that many people find confusing, so I wanted to make a video walking you through the process.

Boy, it was both fun and challenging learning how to animate PowerPoint and getting the video to match the audio. 🙂

It starts off with some discussion about the topic of tracking cash, but you can go right to time stamp 3:13 to see the step-by-step demonstration.

I’d love your feedback on this video. Thanks … and I hope you find it helpful.

041: Being a Militant Realist and Inspirational Reading 1/21 “Willingness”

In this Episode

Click here to read the “Getting Out from Going Under” blog post for this episode.

00:49 Being a Militant Realist
Today, I talk about where the rubber meets the road in recovery from compulsive spending. I explain the Debtors Anonymous concept of pressure relief meetings (PRM). And why it’s vital that anyone wishing to help a compulsive spender needs to be a militant realist.

11:14 Here’s What Happened to Me
I talk about my own experience being told a hard truth I didn’t want to hear … and how it all turned out. Plus, I finish by telling you how you can become your own militant realist.

17:59 Inspiration from the Daily Reader for Compulsive Debtors and Spenders: January 21st: “Willingness”

Resources Mentioned in this Podcast Episode

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019: The “Secret” Formula & Reading August 19th: “Boredom”

In this Episode:

00:00 The “Secret Formula” for Creating a Foundation for Your Spending Plan
I give you the step-by-step secret 🙂 formula that will enable you to experience the same relief “Rita” did (see picture, above). If you follow these steps, you will move out of paralysis and fear around the spending plan process … and you will have a foundational document that can form the basis of your spending plan.

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017: Post Interview Thoughts, Lending Money, Painful (Inconvenient) Honesty, Online Group, & Reading 7/31: “Sisterly/Brotherly Love”

In this Episode:

00:00 The Podcast is Now on YouTube
Just to let you know, I’m starting to post some episodes on YouTube. What’s cool about it is that if you click on the time stamp, you can go right to that section. Still just the audio, but this way, if you get bored, you can just move right on to the next section! Click here to go to my YouTube channel.

02:42 Thoughts about my conversation with Lauren Greutman

Feedback from a listener shifted my perspective!

25:26 Lending Money
Thoughts on lending money when you are a compulsive spender, underearner, and/or debtor.

29:38 Painful (Inconvenient) Honesty
A story about my bottom line.
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016: Interview with Lauren Greutman & July 29th Reading: Fear of Creditors

In this Episode:

[Note: This podcast is longer than usual, nearly an hour.]

00:00 Introduction to the Interview
Where I introduce my guest, Lauren Greutman, author of the upcoming book, “The Recovering Spender.” I talk about my trepidation regarding the interview, and explain why I decided to proceed.

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014: Recovery vs. Budget Mentality & July 10th Reading: The Spending Plan’s Potential

Request for Feedback
I’d love to hear from you. Please share your comments, questions, and suggestions. You can leave a voice message if you have a microphone (see the link on the right side of each page and on the Contact page), email me from the Contact page, or leave a comment below.

In this Episode:

punished201:38 The Difference between a Recovery vs. a Budget Mentality

Somehow when I hear the money gurus talking about getting out of debt and living within your means, I always feel like it’s a punishment. This episode takes a look at the differences between recovery from compulsive spending and the traditional advice around “budgeting.”

Here are some of the highlights:

10:31 Do we really have to feel that we are being punished?
In this section, I show how the 12 step approach doesn’t make us feel ashamed and punished as opposed to just being told that we need to just exert self-control and deprive ourselves until we fix the problem.
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010: Short Episode – Spending Plan Components, KonMari Papers Done, & 6/7 Reading, “Persistence, Not Perfection”

Today is a pretty short episode (about 15 minutes) because my voice is still on hiatus. 🙁 But I’m happy I could do another episode at all!

In this Episode:

01:16 A Brief Talk on Spending Plan Components

I promise, it’s short. But I keep hearing over and over that people are not clear on the four components of a functional spending plan. So I go over it again. The good news is that each time I talk about it, I get more concise.

04:26 KonMari Update

In this segment, I also tell you why this is challenging for a recovering compulsive spender.

The paper nightmare is finally over (well, almost – look at my desk below!) PAPER!!!!! But 99.99999% of my paper has been put into binders. It is truly amazing to behold.

Paper all over the place before KonMari (Click images to enlarge)

Paper now (Click images to enlarge)

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006: About Mother’s Day, Two Helpful Reminders, What Kind of Debt do We Avoid, & May 9th Reading

In This Episode:


00:00 Segment: A tiny talk about Mother’s Day

02:22 Segment: Good to Know
I talk about two helpful reminders about recovery from compulsive debting that someone shared with me.

13:10 Segment: What Kind of Debt do We Avoid?
Unsecured vs secured debt and some comments about payment arrangements. Plus, my opinion on medical debt, about which there is some controversy.

22:32 Segment: Daily Reader for Compulsive Spenders and Debtors
Today, I read the May 9th entry, entitled, “Customer Service.”

004 – Libraries, Finding a Higher Power, Using the Spending Plan, & April 26th Reading

In this episode:

I discover how truly difficult it is to explain spending plans without visual aids! If you have any questions, please feel free to contact me.

00:00 A brief plug for your local library

03:53 Finding a Higher Power
I talk about my search for finding a Higher Power and my struggles with feeling there is “someone” there. I also describe my recent run-in with a pit bull. Here are the books I reference:

(My new FAVORITE spiritual book! Next week, I’ll delve into it even more)
The Higher Power of the Twelve Step Program by Glenn A. Chesnut

Other books I mention:
Keeping the Faith without a Religion by Roger Housden
The Varieties of Religious Experience by William James
The Seeker’s Guide by Elizabeth Lesser
Thoughts on Solitude by Thomas Merton
Waking Up: A Guide to Spirituality without Religion by Sam Harris

18:07 How to Begin Using a Spending Plan
19:12 Discussion of variable income
19:40 Discussion of bi-weekly income
25:36 Living in the Next Month (Buffer)
26:49 If You Can’t Live in the Next Month (i.e., you need to live paycheck to paycheck)
29:30 How to Be Sure It’s All Working
32:13 Recommendations on How Often to Reconcile

33:17 Reading from Getting Out from Going Under Daily Reader – April 26

Websites mentioned: (You Need a Budget – spending plan software)
Blog – Getting Out from Going Under – a Guide to Recovery from Compulsive Spending and Debting – When Do I Get Extra Paychecks if I Get Paid Bi-Weekly?