How to enable Javascript

Dealing with Debt

Follow

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
- 11 days ago
- 5 replies
- 116
- 1
- Move Light Sound Life11 days 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
- 7 mths ago
- 7 replies
- 143
- Sea Green Jackal11 days 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
- 2 wk ago
- 1 reply
- 26
- Navy Blue Pegasus13 days 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
- 40 replies
- 777
- 8
- Krys2 wk 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
- 11 mths ago
- 3 replies
- 110
- Forest Green Tiger2 wk ago
- Dealing with Debt
Money Rollover Question
For Dec 2020, I have $905.40 To Be Budgeted. In Jan 2021, I have $0.00. My Overspent in December is $30.53. I thought whatever is over spent ($30.53) needed to match what is reduced from the…
- Beige Moose
- Beige_Moose.6
- 2 wk ago
- 2 replies
- 91
- dakinemaui2 wk ago
- Dealing with Debt
DMP - Is it worth trying to pay off faster?
I have approx 13k of debt and a DMP (debt management plan) as I defaulted on minimum payments 2-2.5years ago. I haven't gone into more debt since - I don't have any access to credit either.…
- GoldfinchFrog
- Tomato_Filly.5
- 2 wk ago
- 3 replies
- 68
- Lemon Pie2 wk ago
- Dealing with Debt
W00t w00t
I may or may not have done a happy dance when seeing this on reddit this morning.
- Dave
- Slate_Gray_Deer.9
- 3 mths ago
- 12 replies
- 415
- 14
- JollyB2 wk ago
- Dealing with Debt
Taking Steps for 2021
I have started taking steps to get ready for 2021. I need to limit my access to my funds (the recovering debtor). I haven't used a credit card since early October however I still have more growth.…
- Halloweenlover
- Recovering Debtor
- halloweenlover
- 1 mth ago
- 7 replies
- 224
- Halloweenlover2 wk ago
- Dealing with Debt
How do you get a month ahead and allocate more to pay off more on your loans?
Hello, I've recently finished budgeting for January by the end of December. I want to pay more off on my loans but I'm not sure how to budget extra to my loans while staying ahead for my budgeting…
- Magenta Saxophone
- Magenta_Saxophone.6
- 2 wk ago
- 1 reply
- 85
- dakinemaui2 wk ago
- Dealing with Debt
New to YNAB - feel like I'm drowning in an ocean of info
I'm trying to figure out how to reconcile the way I have been balancing my checking account with the YNAB app, and I feel a bit lost... Currently I have a spreadsheet with utilities and credit cards…
- Green Piano
- Green_Piano.17
- 3 wk ago
- 5 replies
- 184
- MXMOM3 wk ago
- Dealing with Debt
Keep it or sell it?
Help me out, YNAB fam... I'm a bit of a car person, so I own several. Most of them I buy very cheap, and fix them up. My last daily driver, I owned for 15 years and it had 310k on it when I sold it…
- Mitch
- Cyan_Hammerhead.5
- 1 mth ago
- 10 replies
- 168
- Herman1 mth ago
- Dealing with Debt
What debt to pay when/what categories to save for first?
Hi everyone, i am slowly starting to make my way around YNAB and budgeting. I am really, really bad at it and have spent thousands of dollars I wish I had back.…
- Alice Blue Sander
- Alice_Blue_Sander
- 1 mth ago
- 23 replies
- 175
- Alice Blue Sander1 mth ago
- Dealing with Debt
managing paying off a loan with a line of credit
New to YNAB. I have a Line of Credit with a really good rate. I used this LOC to pay-off a high interest loan. I created an account for the loan and showed the transfer going out of my Line of…
- Navy Blue Cougar
- Navy_Blue_Cougar
- 1 mth ago
- 3 replies
- 68
- dakinemaui1 mth ago
- Dealing with Debt
See When Last Reconciled Date Was?
Is there a way to see when you last reconciled an account? It would be nice to see this date before hitting the reconcile button. I am going through all my accounts and there are a lot so it would…
- VoltaicShock
- Voltaicshock
- 2 mths ago
- 3 replies
- 62
- 1
- FanessYNAB Support2 mths ago
- Dealing with Debt
Refinance or Sell?
We purchased a short sale home in '07. In 2012, we did a loan modification. The terms read: The new principal balance of my note is $461,731. $138,519 of the new principal balance shall be deferred…
- Silver Sun
- Silver_Sun.12
- 2 mths ago
- 7 replies
- 98
- 1
- Annieland2 mths ago
- Dealing with Debt
Six Figure Student Loans
I'm 23 and graduated college last year and have thus far paid my student loans down to $163,000 (yikes), with an interest rate of 6.62%. Before taxes I will make ~$80,000 this year.…
- Orchid Crab
- Orchid_Crab.11
- 3 mths ago
- 8 replies
- 264
- 2
- Halloweenlover2 mths ago
- Dealing with Debt
A Tax Bill (crying face)
For the first time since I start working, I have large tax bills. However, with YNAB I am not worried; I was able to look at my budget and see what I can afford to pay.…
- Halloweenlover
- Recovering Debtor
- halloweenlover
- 2 mths ago
- 101
- 3
- Dealing with Debt
Getting my budget set up this month...big expense coming this month?!
So I'm dialing in my November budget...and lucky me I've got to replace my roof this month as well, which will have to be covered with a loan that I'll pay off over the next few months.…
- Slash Roberts
- Rock you like a hurricane.
- slash_roberts
- 2 mths ago
- 4 replies
- 107
- Slash Roberts2 mths ago
- Dealing with Debt
Rent or buy a home?
I'm from Sweden and I currently live in an apartment that I've bought years ago. But I've been having thoughts about maybe selling it in the future and get a rental instead just to be free of…
- Sandra Valman
- sandravalman
- 3 mths ago
- 9 replies
- 198
- PhysicsGal2 mths ago
- Dealing with Debt
Credit card payment doubles Running Balance
Example: Credit Card balance is $50. Payment to that CC from checking account is $50. Running Balance not is $100. It's adding payment rather than correctly subtracting which would show balance of 0
- juspur
- juspur
- 3 mths ago
- 1 reply
- 90
- satcook3 mths ago
- Dealing with Debt
Manage cash vs HELOC
We're doing some major home repairs and I had planned to tap into an equity credit line to pay for them. We planned this work several months ago, but now that it is coming close to the time to draw…
- Orange Camera
- Orange_Camera.12
- 3 mths ago
- 4 replies
- 42
- Orange Camera3 mths ago
- Dealing with Debt
How does IRS debt compare to other types?
Hi! I'm working on my debt paydown plan, and my biggest debt is to the IRS, followed by several medical bills in collection, and then one credit card (the card is closed so I'm not longer using it,…
- Aquamarine Thunder
- Aquamarine_Thunder.5
- 3 mths ago
- 2 replies
- 114
- 1
- MXMOM3 mths ago
- Dealing with Debt
Credit Card, HELOC, and timing
I wonder whether there's a better way to handle this... We made a large purchase which we intended to cover by drawing from our HELOC. We used American Express (it just works out better for…
- Herah
- Orange_Clarinet.7
- 3 mths ago
- 6 replies
- 100
- dakinemaui3 mths ago
- Dealing with Debt
Advice on Using Emergency Fund to "Roll with the Punches"
I am new to YNAB, (since the start of COVID), and I am so very grateful to have discovered this life changing financial program!! Here are the punches that I am being hit with: 1.…
- Sea Green Foal
- Sea_Green_Foal.6
- 4 mths ago
- 10 replies
- 232
- Yes I can4 mths ago
- Dealing with Debt

1 2 3 4 5 13 Next

Start Your Free YNAB Trial

Important Links

Community Guidelines

Report a Bank Importing Issue

Feature Requests

Top contributors

Help Docs

Still have a question? Want to view the official guide on your topic?

Go to Help Docs