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  • Thoughts on paying off low interest loans

    I have around $20K in debt between student loans and car loans. I have super low interests on these loans ! ~1%. This means that each each, I pay $200 in interests with the rest going to principal.…
    • King
    • Obsidiank
    • 3 yrs ago
    • 7 replies
    • 1,166
    • nolesrule3 yrs ago
    • Dealing with Debt
  • Cash flow current tuition or pay down old student debt?

    Hello everyone, Thanks to YNAB, I was able to pay off all of my outstanding credit card debt in less than one year, just before the start of 2017. It would have taken me a lot longer had I not used…
    • Silver Vacuum (c6719ea214d2)
    • Silver_Vacuum_c6719ea21
    • 3 yrs ago
    • 4 replies
    • 1,135
    • 1
    • James3 yrs ago
    • Dealing with Debt
  • Managing temporary debt from one month to another - inaccurate reporting

    This is something I have already discussed with the support team, but wanted to revisit as you think about ways to improve the website and credit card tools.…
    • Purple Cornet (76bf6875cc05)
    • Purple_Cornet_76bf6875c
    • 3 yrs ago
    • 7 replies
    • 1,378
    • Resistant Punch Roller3 yrs ago
    • Dealing with Debt
  • Learning about self-discipline...

    I'm very new to YNAB- just started my official paid membership after a 2 month trial period. I LOVE this program and the theories. I feel inspired and determined and hopeful about my finances and…
    • g.359
    • Gold_Boa_675fa61a67a7
    • 3 yrs ago
    • 2 replies
    • 931
    • 3
    • Resistant Punch Roller3 yrs ago
    • Dealing with Debt
  • How did you do it?? Single, high student loans, multiple jobs

    I love seeing the success stories, but I seldom see people like me, the new reality. Single, middle adulthood, high student loans, and working multiple jobs just to pay basic bills.…
    • pink_calrinet
    • Pink_Clarinet_cc86054d1
    • 3 yrs ago
    • 20 replies
    • 1,828
    • 3
    • pink_calrinet3 yrs ago
    • Dealing with Debt
  • Dave Ramsey-like YNAB class?

    I am leading a Financial Peace University class starting in January, but I got to thinking... there are just a lot of people out there who aren't going to be interested in a class with religious…
    • Troy Miller
    • Budgeter, FPU Leader, Programmer, Dad, Husband
    • yort
    • 3 yrs ago
    • 13 replies
    • 2,155
    • 7
    • pink_calrinet3 yrs ago
    • Dealing with Debt
  • Working on 4 debts

    My husband retired and got another job so we are getting 2 paychecks for him. Our goal was to pay off our house with his retirement money. We bought a Honda Civic and only financed it til we got…
    • financenewbie
    • financenewbie
    • 3 yrs ago
    • 2 replies
    • 837
    • 1
    • financenewbie3 yrs ago
    • Dealing with Debt
  • Fell off the budgeting wagon & picked up CC debt. Help us get back on?

    Hi everyone, So I was a big fan and longtime user of YNAB4. I like the new version just fine, but life got crazy and we stopped having budgeting meetings and then life got crazier and I stopped…
    • lfree
    • lfree
    • 3 yrs ago
    • 3 replies
    • 1,062
    • 1
    • g.3593 yrs ago
    • Dealing with Debt
  • When you think you're so smart by starting a new car fund category...

    And your "good" car dies when you have $10 saved.
    • ClimbingOutOfDebt
    • I think I can I think I can
    • ClimbingOutOfdebt
    • 3 yrs ago
    • 8 replies
    • 1,540
    • 10
    • g.3593 yrs ago
    • Dealing with Debt
  • Ah... getting serious about YNAB again...

    So, freshly single, freshly subscribed to YNAB, got all my accounts and stuff in... Wait. What am I missing? All my liabilities? ... Oh yes, those. So I am a man. making about 2100 a month.…
    • Zensei
    • Poor as Shit
    • Hot_Pink_Tiger_d157aeb5
    • 3 yrs ago
    • 15 replies
    • 1,860
    • Ruff16965 (05bd62cee897)3 yrs ago
    • Dealing with Debt
  • Priorities are hard -Mortgage vs. Fun

    Hubby and I have paid all debts off except the house. We've ramped up our ER fund and have a few grand on top of it to replace my work car if necessary.…
    • The Rhyming Couple
    • We're not poets. Just be glad that we know it
    • Pink_Tape_5d1c884f8e4b
    • 3 yrs ago
    • 4 replies
    • 1,280
    • Hufflepuff3 yrs ago
    • Dealing with Debt
  • Accounting for loan Proceeds

    I just gave myself a small loan from my savings account and transferred the funds from my savings to my YNAB account. I will pay myself back and would like to know the best way to account for the…
    • Coral Ink (0cf3255d64e5)
    • Coral_Ink_0cf3255d64e5
    • 3 yrs ago
    • 4 replies
    • 996
    • HappyDance3 yrs ago
    • Dealing with Debt
  • Consolidating Debt?

    Hey guys. I have a large amount of credit card debt I want to pay off. It's 2 credit cards and the interest rates are 9.9 and 15.9. That's the only debt I have.…
    • Tomato Sloth (b8c84b13d752)
    • Tomato_Sloth_b8c84b13d7
    • 3 yrs ago
    • 12 replies
    • 1,577
    • 1
    • LPcreation3 yrs ago
    • Dealing with Debt
  • Pre-YNAB CC Debt

    How would you set up pre-ynab cc debt on cards you're not using? On budget ot tracking?
    • ckford
    • ckford
    • 3 yrs ago
    • 4 replies
    • 1,888
    • Violet Drill3 yrs ago
    • Dealing with Debt
  • Dealing with Medium-Term Credit Card Debts

    Have a question for the community about how to deal with introductory / special financing on credit card accounts. I know this isn’t exactly kosher for some folks on YNAB—ideally we pay cash up…
    • Nic
    • nic
    • 3 yrs ago
    • 9 replies
    • 1,027
    • 1
    • budget2bstrong3 yrs ago
    • Dealing with Debt
  • Aggressive Debt Pay Down vs. The Holidays

    My husband and I are young, but we have managed to get ourselves in a bit of debt. After living abroad for two years, having to completely furnish a new apartment, having to buy new (to us) vehicles,…
    • Gray Pilot (f6da086d3d25)
    • Gray_Pilot_f6da086d3d25
    • 3 yrs ago
    • 10 replies
    • 1,018
    • 2
    • Ruff16965 (05bd62cee897)3 yrs ago
    • Dealing with Debt
  • Student loan refinancing

    I'm thinking about refinancing my student loan, but I am the only one in the house employed at the moment and want to be super careful about my credit score.…
    • ClimbingOutOfDebt
    • I think I can I think I can
    • ClimbingOutOfdebt
    • 3 yrs ago
    • 6 replies
    • 808
    • Sky Blue Falcon (a3a533642001)3 yrs ago
    • Dealing with Debt
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