You Need A Budget (ynab)

Jesse wraps up the Atomic Budgeting series, based on the ideas in James Clear’s book Atomic Habits, with a look into how our environment shapes our decision making.   The world is awash in advertisements — billboards, store displays, TV, YouTube, etc — which aim to subtly influence us to buy products and services. It’s hard to avoid them, especially when you spend time in areas or websites where targeted ads can pique your interests and potentially cause you to buy things you otherwise wouldn’t have sought out. Even our social groups can influence our purchasing decisions. Whether your friends and neighbors are conspicuous spenders or frugal, their collective habits will become the normal behavior in your social circle.   So the last step in “atomic budgeting” is to be aware of your environment, and choose your friends and social circles wisely.   “Join a community where the normal behavior is the behavior you want.”   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com