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Have a question about debt? Ask it here. Or post a reply and share your knowledge.

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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
- 3 days ago
- 2 replies
- 21
- Rodrigo3 days ago
- Debt
Should I income the money received from a car loan?
Hi everyone! First, sorry for my rusty english. I've received $14k from a car loan to buy it. Should I income this money into an account, and budget it before I buy the car? Or,…
- Joao Lavoier
- Software Developer
- jmlavoier
- 3 mths ago
- 8 replies
- 677
- dakinemaui2 wk ago
- Debt
- Answered
- Answered
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 mth ago
- 10 replies
- 271
- dakinemaui2 wk ago
- Debt
line of credit vs credit cards in YNAB
isnt a line of credit or a credit card the same thing? im trying to wrap my head around why you need to seperate them in the system? does the system treat them diffrently ?…
- broke ceo
- one day i will warrant a buffet
- broke_ceo
- 2 mths ago
- 5 replies
- 278
- Daniel2 wk ago
- Debt
- Answered
- Answered
CC Balance Transfer #2 - Yay or nay?
Hi all! I am very new to YNAB (only about a week+ in) and after some initial frustration getting started, I am now ready to crush this budget thing! Prior to finding YNAB I had started to take a…
- Jen Wilson
- originalorange
- 1 mth ago
- 3 replies
- 231
- FanessYNAB Support1 mth ago
- Debt
All screwed up
This might be my third or fourth restart in a month. I’m seriously in the hole, almost -$2k in chequing. My numbers are all over the place and I need to get a hold of this.…
- hangingkayaker
- Slate_Blue_Cleric.1
- 1 mth ago
- 2 replies
- 206
- FanessYNAB Support1 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
- 11 mths ago
- 19 replies
- 3063
- 2
- Im In Tokyo2 mths ago
- Debt
- Answered
- Answered
Stay in current home and pay off the mortgage in 5 years? Or sell current home, move, and pay off $17K credit card debt?
Should I stay? If I stay in my current starter home, it will be paid off within 5 years. Pros: no mortgage. Cons: my house is farther from my kid's school than I'd like to be,…
- Beige Device
- Beige_Device.2
- 2 mths ago
- 3 replies
- 211
- Purple Vacuum2 mths ago
- Debt
Stop payment on 403B/credit card order to payment
I have about $17 in credit card debt. The bulk of which is on no -interest credit cards. They will time out next year. We are making steep payments. There are notable expenses coming up - Christmas…
- Snowy Owl
- Gray_Wildcat.1
- 2 mths ago
- 6 replies
- 239
- Herman2 mths ago
- Debt
Reconciling credit card statements on YNAB?
I am new to YNAB and have been entering in my bills/expenses. I realized that even though I have linked my bank account, it's tough to reconcile with the budget because many of my bills and almost…
- Snowy Owl
- Gray_Wildcat.1
- 2 mths ago
- 1 reply
- 183
- FanessYNAB Support2 mths ago
- Debt
Having problems to register a loan
I got 6K of loan. It does not serve an specific purpose (like car etc). It will be budget in several different expenses. Its registered in my checking account, so I cannot put as debt.…
- Douglasrac
- douglasrac
- 2 mths ago
- 6 replies
- 185
- Douglasrac2 mths ago
- Debt
Debt Payoff Car and Lease going to buy
Hello everyone, First of I want to share with some one, We just payed off our last student loan WOOP WOOP!!totally due to YNAB the Last 5 months or so. Now comes to my question.…
- Silver Wrench
- Silver_Wrench.2
- 3 mths ago
- 2 replies
- 244
- WordTenor3 mths ago
- Debt
New job, New state to payoff debt??
Good morning everyone! Long time off and on user of Ynab. This year decided to hit it hard and get out of debt! So we have about 60K in debt, minus the house.…
- Burroboy11
- burroboy11
- 5 mths ago
- 8 replies
- 316
- 2
- Burroboy114 mths ago
- Debt
- Answered
- Answered
Age of Money vs. Debt Payoff
Hey fellow YNABers! I'm finally getting my debts under control, and am making pretty aggressive payments on them with the goal of being 100% debt free in two years.…
- May2020
- Sea_Green_Case_23308cd0
- 7 mths ago
- 10 replies
- 1430
- 1
- Slate Gray Camera5 mths ago
- Debt
- Answered
- Answered
Personal Accounts in YNAB
We've struggled in nYNAB with the use of our personal accounts in nYNAB. We each get X amount bi-weekly into our own checking accounts to spend however we please - personal, dining out,…
- Steel Blue Mainframe
- Steel_Blue_Mainframe
- 6 mths ago
- 3 replies
- 580
- FanessYNAB Support6 mths ago
- Debt
- Answered
- Answered
Renovation Debt on LOC - Use cash from budget balances first
I am a long-time YNAB user, including nYNAB since it came out. I am doing a large house renovation, and will be using my LOC to pay for it. Once the renovation is complete,…
- ghatko
- ghatko
- 6 mths ago
- 2 replies
- 353
- FanessYNAB Support6 mths ago
- Debt
- Answered
- Answered
Accruing New Debt in nYNAB
Hi All, Happy New Year! I'd like to figure out how do I account for new debt transaction expenses that were unexpected on a CC. We pay off our balance each month for typical expenses that we've…
- flame3912
- flame3912
- 9 mths ago
- 3 replies
- 830
- FanessYNAB Support9 mths ago
- Debt
- Answered
- Answered
Ho to handle paying off debt from a previous month.
Last month I purchased a vehicle on a credit card and now am in a new month. I will be paying it off by next month. But, with the new change the debt in the category does not carry over.…
- Dr. J
- Odi debitum
- Slate_Blue_Guitar_630fb
- 9 mths ago
- 2 replies
- 880
- FanessYNAB Support9 mths ago
- Debt
- Answered
- Answered
Medical bills and crossed wires
Last week I called financial services at a hospital where we owe about $400 and worked out a payment plan with them. They were nice as could be and very flexible.…
- ClimbingOutOfDebt
- I think I can I think I can
- ClimbingOutOfdebt
- 9 mths ago
- 2 replies
- 738
- FanessYNAB Support9 mths ago
- Debt
- Answered
- Answered
Debt elimination
I make and spend a lot of money and have a decent amount of debt to go along with it. It seems that I’ve never eliminated my debt due to having the fear of needing those extra funds after applying…
- Johnny
- Investor
- Turquoise_Mainframe_ff1
- 10 mths ago
- 5 replies
- 1806
- Johnny10 mths ago
- Debt
- Answered
- Answered
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
- 10 mths ago
- 4 replies
- 1352
- 1
- JGM10 mths ago
- Debt
- Answered
- Answered
Pay down debt or build emergency fund?
We are currently a one-income + side-work-while-going-to-grad-school family (2 adults, kids are 9 and 11). We have about one month of expenses in an emergency fund.…
- ClimbingOutOfDebt
- I think I can I think I can
- ClimbingOutOfdebt
- 10 mths ago
- 1 reply
- 1056
- April at YNABYNAB Support10 mths ago
- Debt
- Answered
- Answered
Intentional Debt
Does anyone know how to set up an intentional debt? For instance, I am using a 24 month, same as cash option. It is not for a large amount of money and it will in fact be paid off in 2-3 months.…
- Turquoise Memory (20e8230556a4)
- Turquoise_Memory_20e823
- 11 mths ago
- 13 replies
- 1313
- Turquoise Memory (20e8230556a4)11 mths ago
- Debt
- Answered
- Answered

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