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Dealing with Debt

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Need advice about credit limit increases
Hi, I got an offer from Capital One today to increase my credit limit on my card from $4000 to $6500. I was just going to accept it because I've always heard that you shouldn't refuse an increase.…
- Space Cadet
- spacecadet007
- 5 days ago
- 12 replies
- 126
- farfromtheusual2 days ago
- Dealing with Debt
How to fix overspending/overpayment issue
I sometimes buy things with PayPal, but charge them to a credit card, and then transfer money back to the card that month to cover it. With the recent YNAB changes,…
- Ben McClure
- bmcclure
- 3 yrs ago
- 27 replies
- 2,817
- 3
- DelaYNAB Support2 wk ago
- Dealing with Debt
Stimulus payment didn't go towards debt
Sooo we knew we were receiving $5,600.00 in stimulus money. We were so excited! We were going to keep $600 to spend on ourselves for once, and put the rest toward our debt.…
- Jessie Madden
- Over Spending is my middle name
- Jessie_Madden45
- 2 wk ago
- 4 replies
- 131
- 5
- Jessie Madden2 wk ago
- Dealing with Debt
$2,600 down $168,000 to go
I started YNAB in July of 2020. We had been struggling to get out of debt since April, yet we were just getting deeper into debt. I would try and budget using excel but it just didn't work for me.…
- Jessie Madden
- Over Spending is my middle name
- Jessie_Madden45
- 2 mths ago
- 5 replies
- 268
- 8
- Jessie Madden2 wk ago
- Dealing with Debt
Credit cards
I finally bit the bullet and uploaded my credit card into YNAB. I owe about 4000 on it. How do I pay it down with out assigning a category to it? I want to pay it down,…
- Salmon Jackal (b97481a4f232)
- Salmon_Jackal_b97481a4f
- 3 yrs ago
- 12 replies
- 2,102
- Steel Blue Dragon2 wk ago
- Dealing with Debt
- Slate Blue Lightning (b7d3059e1104)
- Slate_Blue_Lightning_b7
- 3 yrs ago
- 1
- Reported - view
I believe the category won't be required if you manually enter your payments prior to the sync. I was confused at first as well, but manually entering has helped clear things up for me.…
Loan repayment apps and other advice
Hello all. So, I know some of this has been discussed but I can't find the thread, so apologies but here it is. So I currently owe £1690 on my credit card,…
- lindsay_g
- Beige_Banjo.3
- 1 yr ago
- 30 replies
- 258
- Steel Blue Yeti3 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
- 1 yr ago
- 5 replies
- 191
- 1
- DelaYNAB Support4 wk ago
- Dealing with Debt
Focus on active cc's or default account
I currently have 13 accounts: 5 active, 5 with defaults on credit report, 3 not on my report. Who should I prioritize to pay back? I am paying over min payments on the active accounts and on payment…
- Ivory Mill
- Ivory_Mill
- 4 wk ago
- 3 replies
- 76
- WordTenor4 wk 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
- 840
- 10
- Krys3 mths ago
- Dealing with Debt
Weighing Options - Personal Loan vs. Aggressive CC Payments
Hello! I'm new to YNAB, but already feel such a sense of relief just having a plan and a tracking tool that makes sense to me. My biggest goal is to pay off my credit card debt,…
- Tan Mixer
- Tan_Mixer.9
- 1 mth ago
- 8 replies
- 149
- 1
- Pineapple Gal4 wk ago
- Dealing with Debt
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
- 3 mths ago
- 6 replies
- 228
- 1
- Coral Network1 mth 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
- 5 mths ago
- 9 replies
- 279
- PhysicsGal5 mths ago
- Dealing with Debt
Starting CC balances--question from transitioning YNAB4 user
So I understand CC usage in YNAB4, but I'm still a little iffy on this new one, since I just started it yesterday (fresh start, not import). I'm switching finally largely for the direct import after…
- Purple Yearling (2cd528ad6a0c)
- Purple_Yearling_2cd528a
- 2 mths ago
- 4 replies
- 108
- Nelly2 mths ago
- Dealing with Debt
Move budgeted money to line of credit
Hi all, This is a simplified version of my situation: I have a vaction budget line with $2,000 budgeted for use next year. I have a home equity line of credit (HELOC) with a balance of -$10,000,…
- Tom HV
- tomhv
- 2 mths ago
- 7 replies
- 98
- Tom HV2 mths ago
- Dealing with Debt
Seeking advice: where to focus debt paydown?
Hello all, I've got about $44k in personal debt (car loan, LOC, 0% credit card). (The 0% credit card debt is obviously a short-term offer, and the line of credit is there to "rescue" me from high…
- ddreger
- ddreger
- 2 mths ago
- 8 replies
- 122
- ddreger2 mths ago
- Dealing with Debt
March is Get Off the Credit Card Float month
We’re trying something new this year. Every month, we’re going to focus on a different budgeting topic, and in March, we’re asking... Are you riding the credit card float?…
- MatthewYNAB Support
- YNAB Support
- matthew_ynab
- 1 yr ago
- 54 replies
- 1,083
- 4
- Farmgirls2 mths ago
- Dealing with Debt
Pay off car or one month ahead?
Hi, So this is our 2.5-month mark. I think I've set up our categories the way I like them. We have a $1,000 baby emergency fund, $200 set aside (there was more,…
- lindsfin
- Navy_Blue_Python.14
- 2 mths ago
- 5 replies
- 147
- Earningsportal2 mths ago
- Dealing with Debt
Should I refinance?
About 18 months ago, we did a cash out refinance to deal with an emergency financial situation (I know, I know: that was pre-YNAB! Now we have an emergency cushion and sinking funds!).…
- Slate Blue Lion
- Slate_Blue_Lion.8
- 2 mths ago
- 4 replies
- 89
- Annieland2 mths 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
- 10 mths ago
- 7 replies
- 173
- Sea Green Jackal3 mths 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
- 3 mths ago
- 1 reply
- 46
- MadDog3 mths 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
- 3 mths ago
- 2 replies
- 169
- dakinemaui3 mths 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
- 3 mths ago
- 3 replies
- 85
- Lemon Pie3 mths 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
- 5 mths ago
- 12 replies
- 465
- 14
- JollyB3 mths 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
- 4 mths ago
- 7 replies
- 414
- Halloweenlover3 mths 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
- 3 mths ago
- 1 reply
- 113
- dakinemaui3 mths ago
- Dealing with Debt

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