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Welcome to Mapped Out Money!

We have a problem. Our society is drowning in debt for things we don’t need (and often times don’t truly want), money is a derisive subject that drives couples apart, budgets are viewed as a restrictive diet for our money, and we continually try and fail to get our money under control… we’re all on a yo-yo diet with money. And it leaves us feeling unfulfilled, stressed out, and worst of all… STUCK.
 
But Mapped Out Money is here to change that. We spent our first year of marriage arguing over money. I (Hanna) felt Nick was constantly giving me rules and restrictions… and just being a fun-sucker in general. And Nick felt like I was unwilling to be a team player and help manage our money to achieve our future goals. We both disliked the traits we saw in the other. We were stressed, angry, and even threatening divorce. Yeah. Life… it gets real.
 
But despite our many flaws and selfishness, God is gracious. He allows us to learn from our struggles. And as we re-centered our relationship on Christ, we finally began using money (and our budget) as a tool to bring us together through our hopes and dreams for the future. We want to help you learn through our experiences, so you can have the same kind of success with less struggle. 
 
We recognize that financial security gives you opportunities. Opportunities to travel more, to pursue alternative career paths, and ultimately, opportunities to live your adventure.
 
We’re passionate about helping you manage your money and get ahead with your finances through free resources, (eventually) courses and workshops, and 1:1 YNAB coaching.
 
We hope you’ll join us on our journey and allow us to share in yours! Here’s to learning finance, managing your money, and always living adventure!
 
– Nick & Hanna –

Here's Some Blog Posts To Get You Started

3 Reasons You Should Stop Budgeting by the Month

The problem isn’t that you just suck at managing money. The problem is that you’re thinking about it all wrong.

We’re taught to think about our lives in terms of months.

Every month the rent is due, the utility bill is due, the cell phone bill, and on and on. Our financial lives default to a monthly basis. Yet it’s detrimental to your financial health if you only think on a monthly basis.

Here are a few reasons why…

Financial Freedom is a Choice Not a Gift

We think that financial freedom is a gift you receive or a place that you reach. We think it either happens to you or it doesn’t. You’re lucky enough to find it or you don’t.

But that simply isn’t true.

Financial freedom isn’t something that happens to you, it’s something that you actively choose.

Ultimate YNAB Review and How to Start Guide

This is the most comprehensive review of You Need A Budget (YNAB) online.

In this guide, you’ll learn everything you need to know about YNAB, whether or not it’s right for you, how to set it up, and common pitfalls people face when starting YNAB.

If you’ve ever been:

  • Frustrated by trying to make a budget work
  • Ticked off at software that won’t do what you need
  • Discouraged because managing your money just isn’t working

You need to try YNAB.

Being Entitled Makes You Poor

Entitlement is an overarching issue in this country. Millennials get a bad rap for feeling entitled, but unfortunately, this problem transcends generations.

Rich people think they deserve special treatment because they’re rich. Poor people think they deserve a handout because they’re poor. Middle-class people think they deserve to move up because they’ve done x, y, or z. 

Webster defines entitlement as: “the feeling or belief that you deserve to be given something (such as special privileges).”

The problem is, you’re entitled to very few things in life. Free speech and the right to a fair trial are two examples if you live in America. But when it comes to a high-paying job, a nice house, a smartphone, a reliable car, a vacation, or even just going out to eat, you don’t deserve any of that. You’ve got to work for it.

What a 4yr Old Taught Me About Dreams & Money

I teach in the children’s ministry at my church and as you can imagine, I see some pretty funny stuff. But one of the coolest things I’ve seen is this one little boy.

He’s 4 yrs old and wears a superman costume almost every single week. I’m talking, head to toe, cape and mask, zooming around kids church with his arms stretched out.

He’s unashamed. He knows what he wants. And he goes after it.

A Different Way to Look at the Latte

There is a long and drawn out debate in the personal finance world that deals with the Latte.

It’s even got its own cool name: 

The Latte Factor

On one side you’ve got the frugal camp who says spending $4- $5 for a Starbucks coffee is just plain stupid. They argue that you should stop wasting that money and invest it instead.

On the other side, you’ve got the people who believe you should focus on the big wins like your cars, mortgage, and job rather than wasting time worrying about daily Lattes.

Obviously, the Latte is meant to represent more that just a coffee.