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Dealing with Debt

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What to do with a loan that will be forgiven in about 10 years?
Hi! I have a special type of loan. There's a minimum payment each month (but for me at the moment it's zero because of my lower income). All that's not paid off after 10 years (it used to be more,…
- Winterlover
- Welmoed
- 3 yrs ago
- 7 replies
- 741
- T Kelly3 yrs ago
- Dealing with Debt
Getting Serious About Debt
When I set up nYNAB a few months ago (I'm a YNAB4 convert), I added all my accounts/debts, and for the first time I added up all those red negative numbers. Horrified doesn't describe it.…
- CrashKapow
- crydan176
- 3 yrs ago
- 16 replies
- 2,085
- 5
- Heather3 yrs ago
- Dealing with Debt
Calling all Budget Nerds! (and/or math/insurance nerds!)
I'm seeking some financial advice as I consider if I should switch my dental insurance plan or not. I just went to the dentist today for my free cleaning and exam.…
- g.359
- Gold_Boa_675fa61a67a7
- 3 yrs ago
- 2 replies
- 866
- 1
- Vibrant3 yrs ago
- Dealing with Debt
Introducing Myself
Hello, I am a graduate school student with a manageable amount of undergraduate debt. Fortunately I don't have upcoming payments due because I am in deferment until I graduate.…
- Budgetdar
- One step at a time
- Gray_Yearling.1
- 3 yrs ago
- 2 replies
- 975
- MsTJ3 yrs ago
- Dealing with Debt
Extra cash toward Mortgage or Student Loan Debt?
Hi! I am hoping for some insight on what to do with approximately $200 per month. Scenario: $26k left in student loans at 5.75% (12 years remaining) $400k in mortgage (recently refinanced due to…
- Ang
- Nutritionist
- arlmnop
- 3 yrs ago
- 6 replies
- 1,839
- Ang3 yrs ago
- Dealing with Debt
Credit Cards and the allure...
I have so much credit card debt, over many cards, 9 cards totally to about $9,000, to be exact. Every month or month and a half I succeed in paying off one of my lower cards, huzzah, good for me!…
- Gold Pegasus (385fd2874783)
- Gold_Pegasus_385fd28747
- 3 yrs ago
- 15 replies
- 1,423
- Gold Pegasus (385fd2874783)3 yrs ago
- Dealing with Debt
Extra mortgage payments
We currently have a 30 year mortgage that we are paying extra on each month to shorten the term considerably. Do I include the extra in the "To Be Budgeted" section or just apply an extra payment?…
- Frugal Pharmacist
- Magenta_Keyboard
- 3 yrs ago
- 3 replies
- 1,413
- nolesrule3 yrs ago
- Dealing with Debt
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
- 1,167
- 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
- 1,379
- 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
- 1,829
- 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
- 2,156
- 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
- 838
- 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
- 1,542
- 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
- 1,861
- 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
- 998
- 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
- 1,030
- 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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