You need to be a member of Brock Shores Financial #ImprovingFutures to add comments!

Join Brock Shores Financial #ImprovingFutures


  • some great video's on the topic

    Got Five Minutes?
    Curious how YNAB can help you reach your goals? Learn more about why YNAB works and how our app and method can help you gain total control of your mo…
  • Today's email from




    Free Guide: Money Night, Done Right
    — December 26, 2022 —




    Hello, and welcome to the Weekly Roundup, YNABers! The gift we most wanted to share this year, even more than new socks, was how to have healthier conversations about money. Less stress, more progress. That’s why we created a free guide for partners called Money Night, Done Right. Also, this week, Ben and Ernie explain how YNAB Together works for different scenarios, and Jesse asks whether you want to spend money in the past, present, or future.

    P.S. Speaking of free offerings, our teachers are running an amazing variety of Live Q&As to set you up for an even brighter, YNAB-ier New Year.

    Quiz question: What is the most common length of time (0-14 days) before a YNAB Together invitation is accepted by a group member?

    • < 1 day
    • 3 days
    • 7 days
    • 13 days

    (Answer at the bottom)






    Money Night, Done Right (A Free Worksheet)

    Imagine if you and your partner were excited about your financial future? If you both felt a greater sense of purpose around money? Our free worksheet provides a script for more productive and inspiring check-ins on your budget.


    Less Stress, More Progress








    Budgeting Together: A First Look at YNAB Together with the Budget Nerds (Watch)

    Ben and Ernie introduce our new feature, YNAB Together, which allows partners and families to harness the power of YNAB, together. They answer questions like: How do you budget when one partner makes a lot more money? What about budgeting with teenagers?



    All Together Now






    The Different Tenses of Money (Quick Listen)

    In this brief contemplation, Jesse explains why we should move past simplistic judgments about savings or debt. An intriguing question is: How do we get to where we aren’t so tied up in past spending?



    Budget to the Future






    Share a Free Trial of YNAB from Your Phone! (GIF)

    Don't want to share budgets directly through YNAB Together, but still want to spread your love for YNAB? On your phone, you can now send a free trial link to anyone—strangers at the grocery store or anyone else who’s heard you rave about the Four Rules.



    Quiz answer: Almost two-thirds of all YNAB Together invitations are accepted in less than 24 hours! It is the hottest ticket in town.

    Like what you're reading? Share with a friend!







    Copyright © 2022, You Need A Budget, All rights reserved.
    We only want you to receive this awesome, short, informative (and occasionally hilarious) newsletter if you opted in. If you change your mind, let us know! 

    Our mailing address is:
    You Need A Budget
    770 E. Main St., #236
    Lehi, UT 84043

    subscribe to this list

    unsubscribe from this list

    YNAB. Personal Budgeting Software for Windows, Mac, iOS and Android
    You Need a Budget combines easy software with Four Simple Rules to help you quickly gain control of your money, get out of debt, and save more money…
  • Budgeting for the Year Ahead!


    With the recent inflation and rising prices occurring across the country, it is time to take control of your finances. One of the quickest ways to understand where your money is going and where you can make changes, is to create a monthly budget. This will help you get a snapshot of your income compared to your spending, and provides an avenue to review all of your outgoing costs and helps you make changes to increase your monthly cashflow - or just feel less stressed!

    Step 1: Calculate Your Income

    The very first step to creating any budget is determining your income – knowing exactly how much money you bring in is important to understanding what you have available to spend. Remember to focus on NET INCOME versus gross salary, as budgeting for more than you can afford will lead to overspending.

    Step 2: Track Your Spending

    Once you have determined your income, you will want to take a look at your spending. Reviewing and categorizing all your monthly bills can help you breakdown exactly where your money goes and make some priorities to mark where changes can be made. To start, first list out your fixed expenses – these are things like car payments, loans, rent or mortgage costs that do not change on a monthly basis. Next, you will want to take a look at your variable expenses – things like groceries, gas, entertainment, etc. and determine your average spend. This is typically the area where people are able to cut back.

    Step 3: Set Realistic Goals

    Realistic goals are vital for long-lasting financial health. It is important to determine what you cannot live without and where you can cut costs or scale back on spending. Ideally, when it comes to your monthly budget, you want to consider the 50/30/20 rule, which applies the following:

    • 50% of your spending is for NEEDS such as rent or mortgage payments, car payments, utilities and groceries
    • 30% of your income goes to WANTS such as shopping, vacations, streaming services, etc.
    • 20% of your income goes to SAVINGS OR DEBT such as emergency funds, retirement, child’s education and/or credit card payments

    Step 4: Make a Plan

    Once you have your goals set, you can now make a plan to tackle your financial position and ensure a healthy cashflow each month. For some, setting realistic spending limits for each category works well. For others, taking a look at the importance of their expenses and re-prioritizing can free up funds.

    Step 5: Adjust Your Spending

    Now that you have determined how much money you bring in per month and what you spend it on, you can take a look at adjusting your spending to ensure you remain on budget. Taking a realistic look at your wants is a great place to cut out frivolous spending beyond a reasonable amount. This is also a great time to review your fixed expenses. Perhaps you can save money by getting a better interest rate on your mortgage or changing the payment schedule for your loan. Be sure to connect with a me before making any changes to your mortgage!

    Step 6: Stay on Track

    Tracking your budget on a monthly basis is important to catch any changes in your spending habits. As well, it is a good idea to conduct an annual review and take into account any increase in expenses or wages that may require shifts in your overall plan.

    The Government of Canada has an online budget planner tool available as well if you need further assistance! You can find it here.

    Remember: A healthy budget is key to financial freedom and comfort.

    Budget Planner
    A free, online interactive tool to help you manage your finances.

    Singh says he could abandon deal to support Liberals if PM doesn't take action on health crisis | C…
    NDP Leader Jagmeet Singh says his party is prepared to withdraw from the supply and confidence agreement he signed with the Liberals if there is no f…

    Couples who combine finances are happier. So why don’t more do it?
    Joint bank accounts have risks that hold many partners back.
  • The report forecasts that overall food prices will rise by between 5 to 7 percent in 2023, and that Canadian families will spend up to $1,065.60 more on food, increasing from $15,222.81 in 2022 to $16,288.41 next year. ( 312/week for a family of 4)

    Canadian Families Can Expect to Pay $1,000 More for Food in 2023: Report
    Canadian families can expect to pay over $1,000 more for food in 2023, according to a new report published ...

    Take control of your finances with these budgeting tips for young adults - MoneySense
    Want a better grasp of your finances? These easy steps will help you budget like a pro.
  • Budget Planner - (

    Budget Planner
    A free, online interactive tool to help you manage your finances.

    Budget Planner
    A free, online interactive tool to help you manage your finances.
This reply was deleted.