Flags—the Post-It note of the YNAB budget. They're so simple, it's almost stupid. So then, how come we have no idea how to use them? Flags can be used a million and one different ways to enhance your budgeting game and, thanks to their versatility, there's no wrong way to implement them. Hannah shares eight common ways flags may be able to help you take your budget to the next level, from keeping a headcount your IOU's to finally putting a name to that sneaky spending habit. | YNAB