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Dealing with Debt

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How to assign money by credit card used?
I've overspent a category with credit that has activity from two credit cards. I want to assign funds to specific purchases in the category, so that I can prioritize paying a specific card first.…
- Green Leopard
- Green_Leopard.15
- 9 days ago
- 2 replies
- 39
- Green Leopard9 days ago
- Dealing with Debt
Please help ....
So, im currently up in the deep water of debt, not to include my mortgage and car payment. I have started a debt payment plan but that didnt take in account the two more credit cards,…
- Pat1987
- Military
- pat_that_guy_87
- 2 wk ago
- 6 replies
- 152
- Dog House12 days ago
- Dealing with Debt
Should I Focus on Reducing Utilization or Balances?
I've been journaling about my debt pay down journey with YNAB for some months now and I've paid off about 25% of my balances so far... $22,768 to go! Now that I've taken a few months to build up…
- Pineapple Gal
- Goal-Getter
- Orchid_Wrench.11
- 3 wk ago
- 17 replies
- 121
- 1
- Pineapple Gal3 wk ago
- Dealing with Debt
Better to keep older paid-off car, or newer car to save on expenses?
My spouse and I are working on minimizing expenses. We have 4 cars: one 10-year old paid-off Optima, and three newer (2018-ish) cars totaling about $60K left to pay off between them (about $1500/mo…
- Cadet Blue Router
- Cadet_Blue_Router.18
- 3 wk ago
- 14 replies
- 124
- Cadet Blue Router3 wk ago
- Dealing with Debt
YNAB + undebt.it Users Community
Welcome! Welcome to a place where folks that are using both nYNAB and undebt.it can share our experiences, wins, and questions, and folks interested in using YNAB and undebt.…
- Krys
- I like bacon and sarcasm
- Krys
- 1 yr ago
- 44 replies
- 919
- 13
- MXMOM3 wk ago
- Dealing with Debt
This or That scenario
I apologize if this has already been debated somewhere. Assume that two large purchases have been budgeted for, say $3,500 for a fridge and $2,500 for a new mattress & bed frame.…
- Gold Trombone
- Gold_Trombone.9
- 1 mth ago
- 7 replies
- 161
- 1
- Pineapple Gal4 wk ago
- Dealing with Debt
Help: Refinance Loans after a COVID layoff?
Hi YNAB community 👋, I was wondering if anyone knew if it would be possible to refinance an auto loan and federal student loans if I was newly laid off due to Covid, but have very good credit?…
- RC
- GIS
- rackey
- 1 mth ago
- 5 replies
- 71
- RC1 mth ago
- Dealing with Debt
How to effectively tackle my credit card balance
I joined the debt paydown challenge this year thinking no problemo! And I was doing really well. I got my $4000 CC balance down to $1900 in only 4 months. But then, you know, life happened.…
- Space Cadet
- spacecadet007
- 1 mth ago
- 1 reply
- 72
- 1
- MarisaYNAB Support1 mth ago
- Dealing with Debt
Amex Plan It, best way to handle in budget.
So I decided to make a large purchase and finance it through Amex Plan It feature. Basically you create a structured payment plan for a particular purchase with Amex.…
- Gold Ink
- Gold_Ink.6
- 1 yr ago
- 11 replies
- 258
- 1
- WordTenor1 mth ago
- Dealing with Debt
Credit cards
I finally bit the bullet and uploaded my credit card into YNAB. I owe about 4000 on it. How do I pay it down with out assigning a category to it? I want to pay it down,…
- Salmon Jackal (b97481a4f232)
- Salmon_Jackal_b97481a4f
- 3 yrs ago
- 13 replies
- 2,152
- Gold Boa1 mth ago
- Dealing with Debt
- Slate Blue Lightning (b7d3059e1104)
- Slate_Blue_Lightning_b7
- 3 yrs ago
- 1
- Reported - view
I believe the category won't be required if you manually enter your payments prior to the sync. I was confused at first as well, but manually entering has helped clear things up for me.…
Home buying - what can we afford least
Hi folks, we are new to these parts and YNAB is opening our eyes to a lot of questions about our finances. Our timing could not be better/worse, though.…
- Navy Blue Filly
- Navy_Blue_Filly.10
- 1 mth ago
- 3 replies
- 113
- Completely Christina1 mth ago
- Dealing with Debt
Consciously going INTO debt...
I am currently debt free. I rent. I own my crappy old van. I budget. I have a YNAB buffer and a bit of emergency fund. Yay me. But I also have support payments and supporting the mother of my kids…
- Ryan Oakley
- Side-Hustler
- oakley
- 3 yrs ago
- 10 replies
- 1,151
- 1
- Completely Christina1 mth ago
- Dealing with Debt
Refinancing Mortgage Early in Canada
My mortgage isn't up for renewal until April 2024. It's at 3.47% with $159k remaining, but I'm seeing the rates so low so I'm curious. I did a quiz on Ratehub and it said to not switch but I'm still…
- Purple Foal
- Purple_Foal.3
- 6 mths ago
- 2 replies
- 97
- Purple Foal1 mth ago
- Dealing with Debt
Mortgage Refinance, 20 year vs 30 year
I curious what other might do in this situation. We are looking to refinance our mortgage. We bought the house 6 years ago, so we have 24 years left of a 30 year mortgage.…
- kLessNight
- kLessnight
- 2 mths ago
- 4 replies
- 62
- kLessNight2 mths ago
- Dealing with Debt
YouTube demonstration living on credit
Hi YNAB Team, I would love to see a YouTube video series (Hannah/Ben) to show how YNAB helps even when you are in debt and using credit when your spending is more than your pay cycle.…
- PaulSue
- paulsue
- 3 mths ago
- 1 reply
- 80
- RachelYNAB Support3 mths ago
- Dealing with Debt
New to YNAB & needing advice
Hello there! So I could use some help. I’m new to YNAB and while I understand the basics of how to use it, I’m currently stuck in the cycle of using cash advance apps like earnin.…
- Beige Boat
- Beige_Boat.7
- 3 mths ago
- 4 replies
- 143
- Beige Boat3 mths ago
- Dealing with Debt
Need advice about credit limit increases
Hi, I got an offer from Capital One today to increase my credit limit on my card from $4000 to $6500. I was just going to accept it because I've always heard that you shouldn't refuse an increase.…
- Space Cadet
- spacecadet007
- 3 mths ago
- 12 replies
- 157
- 1
- farfromtheusual3 mths ago
- Dealing with Debt
How to fix overspending/overpayment issue
I sometimes buy things with PayPal, but charge them to a credit card, and then transfer money back to the card that month to cover it. With the recent YNAB changes,…
- Ben McClure
- bmcclure
- 3 yrs ago
- 27 replies
- 2,941
- 3
- DelaYNAB Support3 mths ago
- Dealing with Debt
Stimulus payment didn't go towards debt
Sooo we knew we were receiving $5,600.00 in stimulus money. We were so excited! We were going to keep $600 to spend on ourselves for once, and put the rest toward our debt.…
- Jessie Madden
- Over Spending is my middle name
- Jessie_Madden45
- 3 mths ago
- 4 replies
- 156
- 5
- Jessie Madden3 mths ago
- Dealing with Debt
$2,600 down $168,000 to go
I started YNAB in July of 2020. We had been struggling to get out of debt since April, yet we were just getting deeper into debt. I would try and budget using excel but it just didn't work for me.…
- Jessie Madden
- Over Spending is my middle name
- Jessie_Madden45
- 5 mths ago
- 5 replies
- 299
- 11
- Jessie Madden3 mths ago
- Dealing with Debt
Loan repayment apps and other advice
Hello all. So, I know some of this has been discussed but I can't find the thread, so apologies but here it is. So I currently owe £1690 on my credit card,…
- lindsay_g
- Beige_Banjo.3
- 2 yrs ago
- 30 replies
- 262
- Steel Blue Yeti4 mths ago
- Dealing with Debt
Northpoint Bank all in one checking/HELOC
I have an all in one HELOC as my 1st mortgage with Northpointe Bank. I am trying to figure out hoe to use YNAB with it. The way YNAB downloads the transactions and how NPB records them is making it…
- David Ebert
- davidebert
- 1 yr ago
- 5 replies
- 201
- 1
- DelaYNAB Support4 mths ago
- Dealing with Debt
Focus on active cc's or default account
I currently have 13 accounts: 5 active, 5 with defaults on credit report, 3 not on my report. Who should I prioritize to pay back? I am paying over min payments on the active accounts and on payment…
- Ivory Mill
- Ivory_Mill
- 4 mths ago
- 3 replies
- 81
- WordTenor4 mths ago
- Dealing with Debt
Weighing Options - Personal Loan vs. Aggressive CC Payments
Hello! I'm new to YNAB, but already feel such a sense of relief just having a plan and a tracking tool that makes sense to me. My biggest goal is to pay off my credit card debt,…
- Tan Mixer
- Tan_Mixer.9
- 5 mths ago
- 8 replies
- 157
- 1
- Pineapple Gal4 mths ago
- Dealing with Debt
Fell off the bandwagon over the holidays and screwed myself over.... I need help and encouragement to get back on my feet again.
Little back story... so I joined YNAB in late June/early July and for the most part, I got the hang of it. I was doing fantastic. I was keeping up with my transactions and everything.…
- Nathan Dowlen
- Pianist, Chemical Operator
- natekittycat
- 6 mths ago
- 6 replies
- 246
- 1
- Coral Network4 mths ago
- Dealing with Debt

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