Hello, Winebers. My name is Jesse Meek, and this is podcast number 187 for you need a budget where we teach you four rules to help you stop living paycheck to paycheck get out of debt and save more money. Times they are changing and school is back in the session. We see a

little uptick at Wynab with sales, trial downloads, chatter around budgeting with the new school year.

And that's because the summer has ended and we're getting back into the swing of things.

We're kind of getting our hands wrapped back around different routines.

New kids headed off to school, maybe a mom teary-eyed when they send off their kindergartner maybe and you can look at that time

and you can say okay how do we deal with this I can't you know I'm I'm kind of frazzled or you can use it as a moment to remind you of

Rule 2 and if anything caught you this year with the start of the school year, if you thought, oh yeah, school

clothes, we do that, or oh yeah, we've got extra expenses here, or maybe you're having to drive

more, or I don't know or maybe you're having to drive more or I don't know maybe you

are working less because of it working more because of any number of things but these

seasons are good markers for us to be able to look and say,

hey, it's something new, could I have prepared for this,

should I have, and then go from there.

It's just rule two, and then you roll it back into roll one and

prioritize. I would caution you just really quickly as you're looking at like

oh I we you know we have more school closed to budget for it was maybe another

two hundred dollars or something for the year on these school

clothes.

You could say, gosh, $200, maybe if we just save, I don't know the math on that, so let's say it was $240 and you said,

okay, let's do $20 a month and start saving for school clothes and make it a Rule 2 expense.

We're building up that cash over time.

That maybe isn't worth it.

...