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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
- 2,224
- 1
- dakinemaui11 days 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
- 1 mth ago
- 9 replies
- 260
- Alaskan Otter3 wk 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
- 1 mth ago
- 14 replies
- 317
- 3
- MrsBabs4 wk 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
- 44 replies
- 1,579
- 3
- Lulamay174 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
- 28 replies
- 6,116
- 2
- FanessYNAB Support1 mth ago
- Debt
- Answered
- Answered
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
- 1 mth ago
- 2 replies
- 81
- Forest Green Thunder1 mth 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
- 1 mth ago
- 2 replies
- 41
- Terry Bauer1 mth 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
- 1 mth ago
- 6 replies
- 147
- LittleBetty1 mth 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
- 2 mths ago
- 22 replies
- 153
- NicoleYNAB Support2 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
- 508
- Rebecca D.2 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
- 2 mths ago
- 2 replies
- 80
- Rebecca D.2 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
- 900
- dakinemaui2 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
- 4 mths ago
- 11 replies
- 227
- dakinemaui4 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
- 4 mths ago
- 1 reply
- 43
- 2
- FanessYNAB Support4 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
- 4 mths ago
- 2 replies
- 72
- nolesrule4 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
- 5 mths ago
- 3 replies
- 77
- Silver Stallion5 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
- 6 mths ago
- 3 replies
- 105
- WordTenor6 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
- 8 mths ago
- 8 replies
- 129
- Germán8 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
- 8 mths ago
- 20 replies
- 209
- nolesrule8 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
- 8 mths ago
- 2 replies
- 76
- mamster8 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
- 9 mths ago
- 6 replies
- 145
- DnA9 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,…
- Lev
- vagabond_collarbone
- 10 mths ago
- 7 replies
- 248
- Chris M9 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
- 9 mths ago
- 6 replies
- 111
- bevocat9 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
- 10 mths ago
- 1 reply
- 54
- ChrissyYNAB Support10 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
- 10 mths ago
- 11 replies
- 215
- nolesrule10 mths ago
- Debt

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