Reply to anyone else feel like they're getting completely broken in 2025?

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[quote=Anonymous][quote=Anonymous]The price increases in everything has us paying close attention to our spending. We’ve been using YNAB to proactively plan, and we’re checking the budget before we spend. It makes a big difference - it’s how we know we can’t afford to travel for spring break this year. Last year we would have assumed we could have afforded it. And sure, we probably could have made it work without going into debt, but it would have been stressful. With YNAB it’s very clear to see that we need the money for other things.

But we’d definitely have less flexibility to deal with the price increases if our housing was more expensive. I’m grateful that we bought an inexpensive home, one year out of grad school when our salaries were at their lowest point. Over the years, and as our income has doubled, I’ve regretted not stretching, but really, it was a godsend. I’m also grateful for Public Service Loan Forgiveness, and our loans being forgiven under the Biden Administration. I’m so glad that’s behind us. [/quote]

Also, I should say that, with YNAB, it helps to see the tradeoffs we’re making with our money. I don’t feel like I’ve lost something because we can’t do an expensive spring break vacation because I can see what we’re spending on instead. Namely, our au pair, who offers flexible care for our disabled child who we could not find care for after school, during school breaks, or if we needed a break on a weekend or an evening. She may not work more than 20 hours a week most weeks, but having her help has made a tremendous difference in our home lives, our stress levels, our health, and our bandwidth to save in other areas, like not eating out because we didn’t have the energy to cook for ourselves. She is worth every financial trade off we have to make in order to have her.[/quote]

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