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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
- 6 days ago
- 11 replies
- 141
- dakinemaui4 days 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
- 12 days ago
- 1 reply
- 18
- 2
- FanessYNAB Support11 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
- 8 mths ago
- 36 replies
- 991
- 3
- Turquoise Song12 days 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
- 2 wk ago
- 2 replies
- 41
- nolesrule2 wk 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
- 1 yr ago
- 23 replies
- 5,495
- 2
- Troy Bankhead3 wk ago
- Debt
- Answered
- Answered
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
- 1 mth ago
- 3 replies
- 42
- Silver Stallion1 mth 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
- 1 mth ago
- 3 replies
- 70
- WordTenor1 mth 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
- 1 yr ago
- 13 replies
- 2,105
- 1
- dakinemaui1 mth ago
- Debt
- Answered
- Answered
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
- 3 mths ago
- 8 replies
- 103
- Germán3 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
- 4 mths ago
- 20 replies
- 181
- nolesrule4 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
- 4 mths ago
- 2 replies
- 52
- mamster4 mths 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
- 5 mths ago
- 6 replies
- 123
- DnA4 mths 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,…
- Simeon
- vagabond_collarbone
- 5 mths ago
- 7 replies
- 207
- Chris M5 mths 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
- 5 mths ago
- 6 replies
- 72
- bevocat5 mths ago
- Debt
- Answered
- Answered
Sallie Mae Account not displaying
I'm trying to establish a direct connection to my Sallie Mae student loans. I have entered in all the necessary credentials and account information and it's reporting back no listing for any current…
- Hot Pink Memory
- Hot_Pink_Memory.5
- 6 mths ago
- 1 reply
- 32
- ChrissyYNAB Support6 mths ago
- Debt
Trying to get my priorities in order
Hi YNAB, I'm a new member, and so far have really enjoyed reading through the threads. Here is my situation: $4,500 in 0% cc debt $13,000 in high interest 24% cc debt $10,…
- Lupob6
- Sky_Blue_Mainframe.4
- 6 mths ago
- 11 replies
- 188
- nolesrule6 mths ago
- Debt
Debt and Savings Goals
I have been struggling with debt since divorcing about 7 years ago. Short version is I got shafted, which I think is fairly common. I lost the house we owned and got a pittance as my share -about…
- Farset
- beal
- 7 mths ago
- 4 replies
- 149
- Farset7 mths ago
- Debt
Car troubles, but it's all under control
So we have a 2005 Honda Pilot with 225K miles. Mechanically, it's sound, and running fine. We've been hoping for quite a bit more use out of it. But there's a problem with the key locks,…
- Bruce
- Software Engineer
- Bruce
- 7 mths ago
- 5 replies
- 91
- 2
- Purple Admiral7 mths ago
- Debt
Borrowing Money
Hey YNABers!! Can somebody tell me how do you manage Borrowed money in middle of the month? I don't want to add any extra account for managing the borrowed money.…
- Naveed Ahmed
- naveed
- 8 mths ago
- 3 replies
- 231
- HappyDance8 mths ago
- Debt
Can we talk about blue M&M's?
My co-worker buys a big jar of m&m for the office. They sit on his desk and we all eat them. Yesterday, he asked us not to eat the blue ones, but to set them in another jar.…
- Khaki Storm
- YNAB book topics online: https://support.youneedabudget.com/r/q5w48j
- Khaki_Storm.1
- 8 mths ago
- 16 replies
- 230
- 1
- dakinemaui8 mths ago
- Debt
I’m Cindy, Product Designer at YNAB. Let’s talk about debt!
The folks on the development team are brewing up huge projects this year to help people get out of debt. I’m looking for participants who qualify for a one-on-one 30-minute phone interview sometime…
- Cindy
- Product Designer
- cindy
- 9 mths ago
- 255
- 1
- Debt
Handling cash-out from refinancing
Hi there, I've just finished a cash-out refinancing of the mortgage on my New York City (Brooklyn) apartment. [Skip rest of paragraph if your time is limited].…
- Olive Branch
- Librarian/Info Pro
- olive_branch
- 11 mths ago
- 4 replies
- 271
- FanessYNAB Support11 mths ago
- Debt
Interest on Line of Credit
I'm just wondering if I'm doing this correctly. I make regular minimum payments of $101.25 to my line of credit, and have added the LoC to YNAB so I can track it.…
- Justin
- LTK_1997
- 11 mths ago
- 1 reply
- 324
- FanessYNAB Support11 mths ago
- Debt
LOC as bank account?
First, apologies if this has been asked before. I took out a LOC to fund a home renovation. No big deal and we are paying it off. However, I have (as a long time user of YNAB),…
- Mommadoc1
- Lavender_Griffin.6
- 11 mths ago
- 1 reply
- 386
- FanessYNAB Support11 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
- 3 replies
- 425
- FanessYNAB Support11 mths ago
- Debt

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