Quote Originally Posted by Pax View Post
We decided to become a one car family again, our old Ranger is paid for and cheap to maintain so we're getting rid of the Wrangler. We're also stopping the extra payments on our house, we plan on selling it in the next 2-3 years so the money would be better saved.

The payments on the Wrangler and house are small but by making those changes we put ourselves in the place where we can put over $2000 a month into savings (which for us is huge).

I realize a LOT of people can't do the one car thing though, it's just doable for us because we live in a small college town.
We did the one-car thing for awhile and it just doesn't work for us. DH's car is more than paid for (due to be replaced, even), and mine will be paid off in 2 months. The plan is to save up a significant chunk of money towards his car before we begin shopping.

I think part of this may be changing my mindset about long-term savings goals, in order to fund the buffer first and allow us to budget further ahead (like Tulip has done). We've been socking aside significant savings to severals goals, but maybe I need to free up those funds for the buffer and delay our other goals.

I have to confess: budgeting in YNAB is fun for me. I love seeing each dollar do a job, sitting down on payday to assign jobs to those checks, and prioritizing our needs each month.