How to enable Javascript

Dealing with Debt

Follow

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
- 11 mths ago
- 8 replies
- 210
- 1
- Lindsey Hardegree6 days ago
- Dealing with Debt
Mortgage Refinance, 20 year vs 30 year
I curious what other might do in this situation. We are looking to refinance our mortgage. We bought the house 6 years ago, so we have 24 years left of a 30 year mortgage.…
- kLessNight
- kLessnight
- 2 wk ago
- 4 replies
- 47
- kLessNight2 wk ago
- Dealing with Debt
YouTube demonstration living on credit
Hi YNAB Team, I would love to see a YouTube video series (Hannah/Ben) to show how YNAB helps even when you are in debt and using credit when your spending is more than your pay cycle.…
- PaulSue
- paulsue
- 3 wk ago
- 1 reply
- 67
- RachelYNAB Support3 wk ago
- Dealing with Debt
New to YNAB & needing advice
Hello there! So I could use some help. I’m new to YNAB and while I understand the basics of how to use it, I’m currently stuck in the cycle of using cash advance apps like earnin.…
- Beige Boat
- Beige_Boat.7
- 3 wk ago
- 4 replies
- 123
- Beige Boat3 wk 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
- 4 mths ago
- 1 reply
- 77
- MadDog4 mths ago
- Dealing with Debt
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
- 1 mth ago
- 12 replies
- 148
- 1
- farfromtheusual1 mth 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
- 2,831
- 3
- DelaYNAB Support1 mth 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
- 1 mth ago
- 4 replies
- 143
- 5
- Jessie Madden1 mth 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
- 3 mths ago
- 5 replies
- 279
- 9
- Jessie Madden1 mth 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
- 2,110
- Steel Blue Dragon1 mth 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
- 259
- Steel Blue Yeti1 mth 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 Support1 mth 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
- 2 mths ago
- 3 replies
- 77
- WordTenor2 mths 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
- 850
- 10
- Krys4 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
- 2 mths ago
- 8 replies
- 150
- 1
- Pineapple Gal2 mths 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
- 4 mths ago
- 6 replies
- 233
- 1
- Coral Network2 mths 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
- 6 mths ago
- 9 replies
- 283
- PhysicsGal6 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
- 3 mths ago
- 4 replies
- 110
- Nelly3 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
- 3 mths ago
- 7 replies
- 100
- Tom HV3 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
- 3 mths ago
- 8 replies
- 128
- ddreger3 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
- 1,097
- 4
- Farmgirls3 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
- 3 mths ago
- 5 replies
- 155
- Earningsportal3 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
- 3 mths ago
- 4 replies
- 91
- Annieland3 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
- 4 mths ago
- 2 replies
- 172
- dakinemaui4 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
- 4 mths ago
- 3 replies
- 89
- Lemon Pie4 mths ago
- Dealing with Debt

1 2 3 4 5 13 Next

Start Your Free YNAB Trial

Important Links

Community Guidelines

Report a Bank Importing Issue

Feature Requests

Top contributors

Help Docs

Still have a question? Want to view the official guide on your topic?

Go to Help Docs