Daily Archives: January 3, 2019

Tim Hortons: My Kryptonite.

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A little bit of backstory to set the stage. Ellie and I were tipped off to a powerful budgeting tool called YNAB (You Need a Budget) by our friend Justin back in 2014. To simplify how it works, it is basically like using the envelop budgeting system, where every dollar earned is put into an […]