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Dealing with Debt

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Why can't I specify a real payoff date for Loan type account?
I have a real payoff date. Why does YNAB keep insisting on changing my payoff date to some seemingly random date in 2060 when my HELOC loan have to have everything paid for by September 2051?…
- Orchid Pilot
- Orchid_Pilot
- 7 days ago
- 2 replies
- 44
- nolesrule2 days ago
- Dealing with Debt
CC Interest and Paying Down Debt
I'm not sure how to ask this and have it make sense. Maybe it's simpler than I think. I have a $5,000 balance on my Discover Card. The interest rate is 25%.…
- internettie
- Writer
- internettie
- 3 days ago
- 3 replies
- 36
- MadDog2 days ago
- Dealing with Debt
New YNAB converted Loan Account Interests amount incorrect
I converted my loan accounts from tracking to the new planner feature. The issue I now have is that the interest calculated is no way near the actual amount (interest % is correctly specified),…
- Chetan Sondagar
- csondagar
- 3 wk ago
- 13 replies
- 181
- 2
- DelaYNAB Support2 wk ago
- Dealing with Debt
UK overdraft - not offset, can anybody advise?
Hello all! I've tried YNAB over and over for ten years and never managed to stick with it longer than a month, sadly. part of the challenge is that in the UK overdraft is not at all like the US,…
- Silver Deer
- Silver_Deer.14
- 2 wk ago
- 13 replies
- 114
- Silver Deer2 wk ago
- Dealing with Debt
Loan Not Showing in Net Worth Report
I recently added my mortgage loan into YNAB with the new loan planner. However, it isn't showing on my net worth report on the desktop, but it does in the mobile app.…
- Silver Tape
- Silver_Tape.19
- 3 wk ago
- 2 replies
- 52
- Silver Tape3 wk ago
- Dealing with Debt
Loan Account Locks Down Category
We have two car payments, both go to the same category. I converted one of the loans to a new Loan Account, but now it's completely taken over that category.…
- couchfarmer
- couchfarmer
- 3 wk ago
- 1 reply
- 38
- DelaYNAB Support3 wk ago
- Dealing with Debt
HELOC as (new) Loan Account
Has anyone successfully used the new Loan Accounts feature on a HELOC? I'm finding that for standard mortgage & auto loans, the Loan Accounts are working great.…
- djlott
- djlott
- 3 wk ago
- 2 replies
- 39
- djlott3 wk ago
- Dealing with Debt
12 months of YNAB… progress… is happening... Decision Time?
12 months of YNAB… progress… is happening.. Decision Time? Started YNAB in earnest in October of 2020. Progress thus far is basically that we’ve stopped creating new debt.…
- Believe
- Orange_Memory.9
- 1 mth ago
- 38 replies
- 360
- Believe1 mth ago
- Dealing with Debt
Novated Car Leasing? [Australian]
Just wondering if car leasing that partners with the company I work for is worth it or going in the wrong direction? The amount for the lease is taken pre-tax, which saves money or something. Unsure.…
- Juji
- Pink_Display.13
- 2 mths ago
- 2 replies
- 50
- DexterCat1 mth ago
- Dealing with Debt
Keep or sell car?
I am jobless and get 1000 ish usd per month. Not sure if I should sell my car that I bought when I had a job? I spend about 200 usd on it per month for gas, insurance etc. Its a mitsubishi from 2005.…
- Lumion
- Lumion
- 3 mths ago
- 2 replies
- 96
- 1
- ryan_themoneyguy2 mths 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
- 5 mths ago
- 5 replies
- 233
- 2
- farfromtheusual2 mths 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
- 5 mths ago
- 18 replies
- 240
- WordTenor2 mths ago
- Dealing with Debt
How to handle going into the red
So, I know I don't have enough this week to cover expenses. I am going to go into the red and I know it. In the past, I shut down YNAB and didn't look at it again until I got paid again.…
- Mama Fox
- mama_fox
- 3 mths ago
- 4 replies
- 140
- ryan_themoneyguy2 mths ago
- Dealing with Debt
Seeking advice: where to focus debt paydown?
Hello all, I've got about $44k in personal debt (car loan, LOC, 0% credit card). (The 0% credit card debt is obviously a short-term offer, and the line of credit is there to "rescue" me from high…
- ddreger
- ddreger
- 10 mths ago
- 9 replies
- 183
- ryan_themoneyguy2 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
- 9 mths ago
- 6 replies
- 376
- 13
- ryan_themoneyguy2 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
- 9 mths ago
- 9 replies
- 189
- 1
- ryan_themoneyguy2 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
- 8 mths ago
- 4 replies
- 112
- ryan_themoneyguy2 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
- 8 mths ago
- 6 replies
- 226
- 5
- Move Light Sound Life2 mths 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
- 5 mths ago
- 18 replies
- 185
- 1
- ryan_themoneyguy3 mths 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
- 4 mths ago
- 7 replies
- 320
- ryan_themoneyguy3 mths ago
- Dealing with Debt
How to handle large upcoming expense?
There's a wedding in the family and I'm a bridesmaid! I'm stoked--but now that I'm using YNAB (for a few months now), I'm thinking about the expense. This wedding is out-of-state.…
- Pink Tugboat
- Pink_Tugboat.10
- 3 mths ago
- 6 replies
- 152
- ryan_themoneyguy3 mths ago
- Dealing with Debt
Looking for opinions on MY debt
Hello all my fellow YNAB peeps! I'm looking for opinions on paying off my various types of debt! Of course, like buttholes, everyone has an opinion, so I'm hoping to read about some varying opinions…
- Emma Catherine
- Civil engineer getting back on track
- emmacatherine
- 3 mths ago
- 15 replies
- 274
- 1
- ryan_themoneyguy3 mths 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
- 52 replies
- 1,042
- 14
- polishrose4 mths ago
- Dealing with Debt
Which balance to transfer?
I know that in the long run, it doesn't really matter, but I can't seem to decide what to do here. I want to use this transfer to pay down some of my astronomic cc debt (all legal fees).…
- VanillaCottage
- Believer in the life-changing magic of YNAB4 - since 2013; also Rising from the Ashes in 2021
- VanillaCottage
- 4 mths ago
- 1 reply
- 165
- tekgy4 mths ago
- Dealing with Debt
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
- 4 mths ago
- 2 replies
- 63
- Green Leopard4 mths ago
- Dealing with Debt

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