Budgeting. We're never gonna stop talking about it. AND on this episode we have THE Jesse Mecham, creator and founder of the famous budgeting app 'You Need a Budget'. For those still wondering whether or not they actually need a budget, and for all the rest who benefit from more reminders and tips; listen in!

Sponsors: 
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Trying to calculate stuff but don’t have a calculator or app? Spreadsheets are here for you. Record all the stuff, have multiple sheets in one doc, and go crazy with those sums! be a lady in the streets but a freak in the spreadsheets.Budgeting with Spreadsheets:

Notable Notes:

We asked Jesse all about the 4 rules for successful budgeting:
Give every dollar a job
Consider the idea of trade offs (i.e. If i do this - I can’t do that)
Recognize finite nature of your money and prioritize
Budget based on your current money on hand
Embrace your true expenses
Look ahead to less frequent expenses
Create sinking funds
Roll with the punches
Recognize that the future is not static
Don’t anticipate perfection
Change the plan as needed
Recognize its a process
Engage in high frequency of interaction with your budget
Age your money 
Budget the money you already have
Let your money ‘hang out a little’
Live ahead instead of behind

BILL OF THE WEEK - Thank you Jesse for sharing your bill about your electricity bill of $16!!

frugalfriendspodcast.com/billIf you want to submit your bill of the week visit to leave us a bill

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Lightning Round

Our latest budgeting flub and how we recovered
took over costco run and didn't even know how much the total bill was!Jesse-
not accurately estimating reno costs and timeline for fixing up the new houseJill-
- forgot to adjust budget to reflect ebbs and flows of workJen

Get more from Jesse and YNAB at:

YouNeedabudget.com

BONUS:
Jesse's Book Recommendations:

-The Wealthy Barber

-Your Money or Your Life - Vicki Robin

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