When I opened my YNAB to do my monthly budgeting, I realised for the first time that I'm having a $0 for my budget from Mar instead of having a negative number. For those who don't have YNAB, you might not realise how fulfilling this situation is. Since they are using a system where every dollar has a job to do, having a non-negative starting budget value for the start of the month means that I've succeeded in using last month's pay to settle all the expenses of this month, without including any income stream for this current month. Since I've a variable income instead of a fixed salary, I really have to take a much longer time to get to this state. Exactly 7 months is how long it took to have a non-negative starting value for a new month.
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| Rule 4: Live ... |
