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My $31.00 is 41 days old? Haha!
After a huge effort, I paid off a big debt. I almost couldn't do it due to a falling income (covid) so by the time I finally hit the mark, I opted to do it and be extremely, terrifyingly poor.…
- Love Bears
- Green_Jackal.9
- 4 days ago
- 3 replies
- 56
- dakinemaui4 days ago
- Debt
Adjust Opening Balance of Check Account
When I started my budget I put "Available Balance" instead of my "Actual Balance" I have an overdraft on this account and because I put the positive "Available Balance" YNAB does not know that I…
- Orange Battery
- Orange_Battery.4
- 1 yr ago
- 48 replies
- 1,879
- 3
- JoyousMN1 mth ago
- Debt
Lending money to friends & family
Hi guys, happy to take part in this great forum, from your experience using new YNAB, can you suggest a simple way to manage lending money to friends and family... Thanks in advance.
- Mo.Manfalouti
- Tan_Trumpet_22d4ebfd72d
- 2 yrs ago
- 33 replies
- 6,419
- 2
- FanessYNAB Support1 mth ago
- Debt
- Answered
- Answered
Debt payoff via credit report
Ok I understand this may be a bit of a dumb question but I want to be a thorough as I can about my debt pay off. After being in a car accident, the bills came in, healing was long,…
- LittleBetty
- Forest_Green_Piranha.3
- 4 mths ago
- 7 replies
- 200
- Beige Keyboard2 mths ago
- Debt
Creating a debt paydown plan
Hi All, I know YNAB is doing a class onCreating a debt paydown plan shortly, but I can't figure out where to register for it. Anyone know where it is?
- Mary Ann
- Prof.
- Cornflower_Blue_Saxophon.7
- 3 mths ago
- 2 replies
- 82
- Mary Ann3 mths ago
- Debt
How to handle LARGE and LENGTHY reimbursable expenses
I want to switch from YNAB4 to nYNAB. At least, I think I do. But I haven't yet because I can't wrap my mind around how debt and reimbursable expenses work in nYNAB.…
- JGM
- JGM
- 2 yrs ago
- 15 replies
- 2,260
- 1
- dakinemaui3 mths ago
- Debt
- Answered
- Answered
What's the best way to use YNAB when you run out of money before running out of month?
So I'm pretty new to YNAB, (perhaps 4th month), and I'm using it but its just super hard to make sense of how it'll ever work when I'm running out of money before running out of month.…
- Silver Inspector
- Silver_Inspector.8
- 4 mths ago
- 9 replies
- 336
- Alaskan Otter3 mths ago
- Debt
What mindsets do you use to NOT spend $ you don’t have?
I have been living paycheck to paycheck forever and I’ve never been successful at not spending more than I have. It has become a default mindset where, its like, oh, I’m broke anyway,…
- Powder Blue Stallion
- Powder_Blue_Stallion.3
- 4 mths ago
- 14 replies
- 402
- 3
- MrsBabs4 mths ago
- Debt
Should I input my non-credit card debt (mortgage, car loan, etc) as a credit card into YNAB?
I started YNAB a few days ago. In my initial set up, I noticed there is a place where you can input credit card debt and it automatically shows up as a category in your budget.…
- Forest Green Thunder
- Forest_Green_Thunder.7
- 4 mths ago
- 2 replies
- 123
- Forest Green Thunder4 mths ago
- Debt
- Answered
- Answered
How to handle a Note Receivable
Ok, here's the scoop: I loaned my daughter some money. And, I borrowed that money from my 401(k). (yes, I know!) I am trying to find the best way to set this up in YNAB.…
- Terry Bauer
- Providex Programmer
- tlbauer56
- 4 mths ago
- 2 replies
- 59
- Terry Bauer4 mths ago
- Debt
To Be Budgeted + "Available" to pay back Credit = ~100 bucks more than I actually have
Rant : For the past year, I've been making great strides in my budget. When YNAB works, it feels like an awesome superpower. When it doesn't (like it is now) it feels like a debilitating weakness…
- Will S
- frustrated
- Khaki_Major.3
- 5 mths ago
- 22 replies
- 174
- NicoleYNAB Support5 mths ago
- Debt
Negative bank account
Greetings from Brazil! As I'm using YNAB from outside the US, it is possible that I could use some different financial language , but let me try... I am starting my budget and unfortunately I am on…
- Rodrigo
- Dreamer
- Gold_Packet.2
- 1 yr ago
- 7 replies
- 539
- Rebecca D.5 mths ago
- Debt
Overdraft? Credit line? What's the difference?
Hello, I've been using YNAB (this time around!) since about June. I'm a bit confused about how to accurately record my bank account. My account comes with what I would call an "overdraft" facility,…
- Rebecca D.
- Sky_Blue_Leopard.3
- 5 mths ago
- 2 replies
- 117
- Rebecca D.5 mths ago
- Debt
Fund Emergency Savings or Pay off Debt?
My goal is to have $1,000 in my emergency fund. However, I'm not sure of what I should focus on first. We currently have around $50k in debt (mostly student loans) and we are really sticking to our…
- Salmon Case
- Salmon_Case.2
- 1 yr ago
- 13 replies
- 945
- dakinemaui5 mths ago
- Debt
Overspent in Future Month doesn't make sense
I started a fresh budget this month to...start fresh. I have been diligent about adding in transactions and making sure the money is allocated in the correct category.…
- Screaming Bobcats
- Screaming_Bobcats
- 7 mths ago
- 11 replies
- 263
- dakinemaui7 mths ago
- Debt
- Answered
- Answered
Help with DRS Ardent credit services
Good evening guys I’m after a little help please. I’ve posted a few times in the motoring forum and had some great advice from there. Now the car finance company has instructed debt collectors to…
- Pink Case
- Pink_Case.9
- 7 mths ago
- 1 reply
- 56
- 2
- FanessYNAB Support7 mths ago
- Debt
Accountability for category overspending
I am new to the "new" YNAB, and I'm wondering how others are holding themselves accountable for overspending in a category. In the "old" YNAB, if I overspent in a category,…
- Jared C.
- Hot_Pink_Disk.6
- 8 mths ago
- 2 replies
- 96
- nolesrule8 mths ago
- Debt
Mortgage tracking stopped updating the current principal payment
I have my mortgage account linked to YNAB, and have it as a debt in my Tracking section. Up until July, when my mortgage payment came through, YNAB would subtract the principal payment from my…
- Silver Stallion
- Silver_Stallion.6
- 8 mths ago
- 3 replies
- 92
- Silver Stallion8 mths ago
- Debt
- Answered
- Answered
Tracking versus budget accounts
I am confused. I have a number of accounts that are considered tracking accounts, and I have some pretty hefty payments. Why are these not included in the budgeting? I have to pay money each month,…
- Stacey Shore
- veterinarian
- Gray_Wildcat.5
- 9 mths ago
- 3 replies
- 127
- WordTenor9 mths ago
- Debt
Left column cc balance not matching budgeted amount
Hello, So here are the given circumstances: We pay our card in full every month. We did that last month We have been careful in observing that the balances of the left column and the budgeted…
- Germán
- germanh
- 11 mths ago
- 8 replies
- 159
- Germán11 mths ago
- Debt
- Answered
- Answered
Suggestions on paying down orthodontist debt
I've been using YNAB since Feb and so far am doing pretty well. It has been a real eye opener about how I handle money and not in a good way. I still find some of the features confusing so I go…
- Orange Mask
- Orange_Mask.5
- 11 mths ago
- 20 replies
- 227
- nolesrule11 mths ago
- Debt
- Answered
- Answered
Including CC in Reports when paid in full each month
Question for the Gurus. My Wife and I put 90% of our expenditures on our CC for the cash back features. Through the power of YNAB, it's paid in full each month.…
- Matchrocket
- Tan_Koala.1
- 1 yr ago
- 2 replies
- 83
- mamster1 yr ago
- Debt
Does anyone have experience using services from National Debt Relief?
I am not advocating for this company; just curious to see if anyone has ever used their services and what the outcome was. And just to clarify - I'm not talking about programs aimed at debt relief,…
- DnA
- IT manager, husband, father, YNAB podcast listener
- Navy_Blue_Cup.2
- 1 yr ago
- 6 replies
- 165
- DnA1 yr ago
- Debt
- Answered
- Answered
Debt & tithing
Hi YNAB! Using this program has been a true blessing. It really does just click with my brain! It's essentially all I've been doing for so long on paper napkins, backs of flash cards,…
- Lev
- vagabond_collarbone
- 1 yr ago
- 7 replies
- 277
- Chris M1 yr ago
- Debt
Entering a loan and reflected net worth
I have a car category where I already saved some money and also got a loan for 10k which hit my checkings account today. I do want to track this loan. It is a private loan from my family,…
- Green Sloth
- Green_Sloth
- 1 yr ago
- 6 replies
- 129
- bevocat1 yr ago
- Debt
- Answered
- Answered

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