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Dealing with Debt

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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
- 5 mths ago
- 4 replies
- 79
- kLessNight5 mths 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
- 6 mths ago
- 1 reply
- 91
- RachelYNAB Support6 mths 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
- 6 mths ago
- 4 replies
- 153
- Beige Boat6 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
- 6 mths ago
- 12 replies
- 177
- 1
- farfromtheusual6 mths 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
- 2,967
- 3
- DelaYNAB Support7 mths ago
- Dealing with Debt
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
- 2 yrs ago
- 30 replies
- 271
- Steel Blue Yeti7 mths 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
- 205
- 1
- DelaYNAB Support7 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
- 9 mths ago
- 6 replies
- 253
- 1
- Coral Network7 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
- 1 yr ago
- 9 replies
- 298
- PhysicsGal11 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
- 8 mths ago
- 4 replies
- 116
- Nelly8 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
- 8 mths ago
- 7 replies
- 156
- Tom HV8 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
- 1,112
- 4
- Farmgirls8 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
- 8 mths ago
- 5 replies
- 188
- Earningsportal8 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
- 9 mths ago
- 4 replies
- 100
- Annieland9 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
- 9 mths ago
- 2 replies
- 173
- dakinemaui9 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
- 9 mths ago
- 3 replies
- 96
- Lemon Pie9 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
- 1 yr ago
- 12 replies
- 476
- 14
- JollyB9 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
- 11 mths ago
- 7 replies
- 419
- Halloweenlover9 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
- 9 mths ago
- 1 reply
- 126
- dakinemaui9 mths ago
- Dealing with Debt
New to YNAB - feel like I'm drowning in an ocean of info
I'm trying to figure out how to reconcile the way I have been balancing my checking account with the YNAB app, and I feel a bit lost... Currently I have a spreadsheet with utilities and credit cards…
- Green Piano
- Green_Piano.17
- 9 mths ago
- 5 replies
- 218
- MXMOM9 mths ago
- Dealing with Debt
Keep it or sell it?
Help me out, YNAB fam... I'm a bit of a car person, so I own several. Most of them I buy very cheap, and fix them up. My last daily driver, I owned for 15 years and it had 310k on it when I sold it…
- Mitch
- Cyan_Hammerhead.5
- 10 mths ago
- 10 replies
- 188
- Herman10 mths ago
- Dealing with Debt
What debt to pay when/what categories to save for first?
Hi everyone, i am slowly starting to make my way around YNAB and budgeting. I am really, really bad at it and have spent thousands of dollars I wish I had back.…
- Alice Blue Sander
- Alice_Blue_Sander
- 10 mths ago
- 23 replies
- 261
- Alice Blue Sander10 mths ago
- Dealing with Debt
managing paying off a loan with a line of credit
New to YNAB. I have a Line of Credit with a really good rate. I used this LOC to pay-off a high interest loan. I created an account for the loan and showed the transfer going out of my Line of…
- Navy Blue Cougar
- Navy_Blue_Cougar
- 10 mths ago
- 3 replies
- 142
- dakinemaui10 mths ago
- Dealing with Debt
See When Last Reconciled Date Was?
Is there a way to see when you last reconciled an account? It would be nice to see this date before hitting the reconcile button. I am going through all my accounts and there are a lot so it would…
- VoltaicShock
- Voltaicshock
- 11 mths ago
- 3 replies
- 79
- 1
- FanessYNAB Team11 mths ago
- Dealing with Debt
Refinance or Sell?
We purchased a short sale home in '07. In 2012, we did a loan modification. The terms read: The new principal balance of my note is $461,731. $138,519 of the new principal balance shall be deferred…
- Silver Sun
- Silver_Sun.12
- 11 mths ago
- 7 replies
- 116
- 1
- Annieland11 mths ago
- Dealing with Debt

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