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Dealing with Debt

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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
- 9 mths ago
- 9 replies
- 295
- PhysicsGal8 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
- 5 mths ago
- 4 replies
- 114
- Nelly5 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
- 5 mths ago
- 7 replies
- 114
- Tom HV5 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
- 5 mths ago
- 8 replies
- 138
- ddreger5 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
- 1,105
- 4
- Farmgirls5 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
- 5 mths ago
- 5 replies
- 172
- Earningsportal5 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
- 6 mths ago
- 4 replies
- 97
- Annieland5 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
- 6 mths ago
- 2 replies
- 173
- dakinemaui6 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
- 6 mths ago
- 3 replies
- 92
- Lemon Pie6 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
- 9 mths ago
- 12 replies
- 473
- 14
- JollyB6 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
- 7 mths ago
- 7 replies
- 417
- Halloweenlover6 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
- 6 mths ago
- 1 reply
- 120
- dakinemaui6 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
- 6 mths ago
- 5 replies
- 216
- MXMOM6 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
- 7 mths ago
- 10 replies
- 187
- Herman7 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
- 7 mths ago
- 23 replies
- 256
- Alice Blue Sander7 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
- 7 mths ago
- 3 replies
- 138
- dakinemaui7 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
- 8 mths ago
- 3 replies
- 77
- 1
- FanessYNAB Team8 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
- 8 mths ago
- 7 replies
- 116
- 1
- Annieland8 mths ago
- Dealing with Debt
Six Figure Student Loans
I'm 23 and graduated college last year and have thus far paid my student loans down to $163,000 (yikes), with an interest rate of 6.62%. Before taxes I will make ~$80,000 this year.…
- Orchid Crab
- Orchid_Crab.11
- 9 mths ago
- 8 replies
- 296
- 2
- Halloweenlover8 mths ago
- Dealing with Debt
A Tax Bill (crying face)
For the first time since I start working, I have large tax bills. However, with YNAB I am not worried; I was able to look at my budget and see what I can afford to pay.…
- Halloweenlover
- Recovering Debtor
- halloweenlover
- 8 mths ago
- 107
- 3
- Dealing with Debt
Getting my budget set up this month...big expense coming this month?!
So I'm dialing in my November budget...and lucky me I've got to replace my roof this month as well, which will have to be covered with a loan that I'll pay off over the next few months.…
- Slash Roberts
- Rock you like a hurricane.
- slash_roberts
- 8 mths ago
- 4 replies
- 143
- Slash Roberts8 mths ago
- Dealing with Debt
Credit card payment doubles Running Balance
Example: Credit Card balance is $50. Payment to that CC from checking account is $50. Running Balance not is $100. It's adding payment rather than correctly subtracting which would show balance of 0
- juspur
- juspur
- 9 mths ago
- 1 reply
- 115
- satcook9 mths ago
- Dealing with Debt
Manage cash vs HELOC
We're doing some major home repairs and I had planned to tap into an equity credit line to pay for them. We planned this work several months ago, but now that it is coming close to the time to draw…
- Orange Camera
- Orange_Camera.12
- 9 mths ago
- 4 replies
- 111
- Orange Camera9 mths ago
- Dealing with Debt
How does IRS debt compare to other types?
Hi! I'm working on my debt paydown plan, and my biggest debt is to the IRS, followed by several medical bills in collection, and then one credit card (the card is closed so I'm not longer using it,…
- Aquamarine Thunder
- Aquamarine_Thunder.5
- 9 mths ago
- 2 replies
- 131
- 2
- MXMOM9 mths ago
- Dealing with Debt
Credit Card, HELOC, and timing
I wonder whether there's a better way to handle this... We made a large purchase which we intended to cover by drawing from our HELOC. We used American Express (it just works out better for…
- Orange Clarinet
- Orange_Clarinet.7
- 9 mths ago
- 6 replies
- 118
- dakinemaui9 mths ago
- Dealing with Debt

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