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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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  • Q&A
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