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I'm broke and need help
Howdy y'all I feel horrible. I looked at my finances this morning and I'm stuck in a bind. I don't have any discretionary income. Since the Pandemic started my emergency fund (which just made it to…
- Nathan Dowlen
- Pianist, Chemical Operator
- natekittycat
- 3 wk ago
- 42 replies
- 349
- Nathan Dowlen2 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
- 2 yrs ago
- 38 replies
- 6,716
- 2
- dakinemaui1 mth ago
- Debt
- Answered
- Answered
Clear debt or save
OK so may sound obvious, but bear with me! I'm on my own, own a small place on minimum wage with a smallish mortgage but I stretch everything to keep things going.…
- Violet Carpenter
- Violet_carpenter
- 3 mths ago
- 4 replies
- 196
- Violet Carpenter2 mths ago
- Debt
Shifting Debt to Mortgage - Advice
Hi all, I'm UK based, so things might be different across the world but I have a dilemma. I'm currently paying down a £16k debt on interest-free credit cards.…
- Turquoise Major
- Turquoise_Major.5
- 2 mths ago
- 3 replies
- 83
- Ceeses2 mths ago
- Debt
5/1 ARM: Is now a good time to refinance?
Here is my situation: Mortgage balance: $36,000 Original Principal: $240,000 Mortgage Type: 5/1 ARM My Rate (ARM) will go from: 4.875 to 2.875 next month Rate Limits: no higher than 8.…
- Sky Blue Mare
- Sky_Blue_Mare.5
- 3 mths ago
- 13 replies
- 130
- PhysicsGal2 mths ago
- Debt
Banks or Credit Unions with best rates and Closing costs for refinance right now?
I refinanced into a 15 year fixed 3.125% mortgage in December, thinking interest rates that low were historical. Well, they were a part of the history of the declining interest rates that were to…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 3 mths ago
- 32 replies
- 206
- Ivory Harp3 mths ago
- Debt
Home improvement debt
Hi everyone, Background: we bought a house three years ago. Our area has very little new housing (isolated small town surrounded by government/reservation land and one big employer),…
- poppy
- poppy
- 3 mths ago
- 2 replies
- 48
- dakinemaui3 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
- 8 mths ago
- 17 replies
- 484
- 3
- Gold Pilot3 mths ago
- Debt
Looking for a little input
I have about $36K in debt, some of it tax debt, some student loans for the kids and some credit card debt. My current savings is just over $7K and with recent changes I've made I have about $2K per…
- MileHighMango
- Everybody's a genius until they have to do it.
- Navy_Blue_Pony.7
- 3 mths ago
- 8 replies
- 152
- farfromtheusual3 mths ago
- Debt
$120,000 in credit card debt - Need advice
Hello. I have $120,000 in unsecured debt. ($70,000 in my name, and $40,000 to my S Corp, which I'm the sole owner of). Next week, I'm getting a check for $125,000 as part of my divorce agreement.…
- Slate Gray Beat
- Slate_Gray_Beat.8
- 3 mths ago
- 11 replies
- 202
- 1
- Jamjo Kagre3 mths ago
- Debt
Car loan strategy...
The BF just got a car, finally, which is a huge relief to the worry of whether or not he's going to make it back and forth to work. My old 2000 Explorer doesn't owe us a dime since it's sitting at…
- farfromtheusual
- farfromtheusual
- 3 mths ago
- 11 replies
- 119
- farfromtheusual3 mths 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
- 55 replies
- 2,135
- 3
- Navy Blue Wizard3 mths ago
- Debt
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
- 3 mths ago
- 3 replies
- 89
- dakinemaui4 mths ago
- Debt
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
- 8 mths ago
- 7 replies
- 215
- Beige Keyboard6 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
- 7 mths ago
- 2 replies
- 110
- Mary Ann6 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
- 2,280
- 1
- dakinemaui7 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
- 8 mths ago
- 9 replies
- 407
- Alaskan Otter7 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
- 8 mths ago
- 2 replies
- 146
- Forest Green Thunder8 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
- 8 mths ago
- 2 replies
- 71
- Terry Bauer8 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
- 9 mths ago
- 22 replies
- 187
- NicoleYNAB Support9 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
- 550
- Rebecca D.9 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
- 9 mths ago
- 2 replies
- 130
- Rebecca D.9 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
- 2 yrs ago
- 13 replies
- 993
- dakinemaui9 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
- 11 mths ago
- 11 replies
- 311
- dakinemaui11 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
- 11 mths ago
- 1 reply
- 66
- 2
- FanessYNAB Support11 mths ago
- Debt

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