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Dealing with Debt

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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
- 3 mths ago
- 5 replies
- 211
- MXMOM3 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
- 4 mths ago
- 10 replies
- 185
- Herman4 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
- 4 mths ago
- 23 replies
- 246
- Alice Blue Sander4 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
- 4 mths ago
- 3 replies
- 133
- dakinemaui4 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
- 4 mths ago
- 3 replies
- 74
- 1
- FanessYNAB Team4 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
- 5 mths ago
- 7 replies
- 113
- 1
- Annieland5 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
- 6 mths ago
- 8 replies
- 283
- 2
- Halloweenlover5 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
- 5 mths ago
- 105
- 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
- 5 mths ago
- 4 replies
- 138
- Slash Roberts5 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
- 6 mths ago
- 1 reply
- 112
- satcook6 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
- 6 mths ago
- 4 replies
- 106
- Orange Camera6 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
- 6 mths ago
- 2 replies
- 127
- 2
- MXMOM6 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…
- Herah
- Orange_Clarinet.7
- 6 mths ago
- 6 replies
- 110
- dakinemaui6 mths ago
- Dealing with Debt
Advice on Using Emergency Fund to "Roll with the Punches"
I am new to YNAB, (since the start of COVID), and I am so very grateful to have discovered this life changing financial program!! Here are the punches that I am being hit with: 1.…
- Sea Green Foal
- Sea_Green_Foal.6
- 7 mths ago
- 10 replies
- 243
- Yes I can7 mths ago
- Dealing with Debt
What is a good way to track Amazon?
So, I have always wondered if there is a good way to track Amazon orders? You know, you order a bunch of things and spend $175. You enter that expense.…
- Maroon Cornet (9c022f3e7d83)
- Maroon_Cornet_9c022f3e7
- 3 yrs ago
- 72 replies
- 5,114
- 6
- dakinemaui7 mths ago
- Dealing with Debt
How to get rid of a Timeshare
Howdy y'all, How does one get rid of their timeshare? My parents are I were gullible and knew it was too good to be true. We're still out about $8000+ since we joined in September 2016.…
- Nathan Dowlen
- Pianist, Chemical Operator
- natekittycat
- 7 mths ago
- 4 replies
- 107
- Graeme V7 mths ago
- Dealing with Debt
To refinance or not to refinance? That is my question.
At what point does it become advantageous to refinance my car loan? 🚗 Some background details: I'm sitting around approximately $6500 outstanding balance right now.…
- Violet Rain
- ElectroNecroMancer
- Violet_Rain.3
- 8 mths ago
- 4 replies
- 130
- Violet Rain8 mths ago
- Dealing with Debt
Bi-monthly payments to reduce interest?
A good friend of mine who has run her own business for many years and I were chatting over the weekend, and she shared with me one of the ways to cut interest is to make bi-monthly payments instead…
- farfromtheusual
- farfromtheusual
- 8 mths ago
- 36 replies
- 339
- dakinemaui8 mths ago
- Dealing with Debt
personal finance for emergencies
Hi , i am wondering if you have thoughts on the question of debt v. emergency fund in a context where things get really bad (worse than they are now). I have about $8k out on a home equity line of…
- Ivory Storm
- Ivory_Storm.3
- 8 mths ago
- 4 replies
- 147
- Fifedawg8 mths ago
- Dealing with Debt
How to deal with the payment from my previous month? (pre-ynab)
Hi! I re-started using YNAB again, and I would like to budget from this month on. Since I have to pay the CC (today, but for the previous month) it feels awkward to have in my "credit cards…
- pablox
- PaBLoX
- 9 mths ago
- 16 replies
- 167
- pablox9 mths ago
- Dealing with Debt
Can I extend my trial period
I think i'm starting to get the hang of it but would like another month to make sure.
- Pink Koala
- Pink_Koala.12
- 9 mths ago
- 132
- Dealing with Debt
Credit Cards
This makes no sense to me. How am I supposed to "think" about credit card payments for items differently and see them in a report? When I look at "cash spent" on "van repairs" it reports $0.00.…
- Cyan Wizard
- Cyan_Wizard.6
- 1 yr ago
- 5 replies
- 108
- 1
- NicoleYNAB Support9 mths ago
- Dealing with Debt
- NicoleYNAB Support
- Support Manager
- nicole_ynab
- 9 mths ago
- Reported - view
Quick update on this thread, since it's popular in searches lately. 😄 When you make a payment to a credit card, it will be a transfer in YNAB to show how the money is moving between your budget…
paying off 0% interest loans
What's the opinion about paying off 0% loans- I hate having loans- I am semi retired and had work reduction with COVID. I keep trying to pay more than the amount- but not sure that's the recommended…
- Blue Falcon
- Blue_Falcon.8
- 10 mths ago
- 17 replies
- 243
- nolesrule10 mths ago
- Dealing with Debt
Question about a credit card account
Hello, I have a question about credit card debt. Could you please tell me if the following steps are correct? 1. I added a credit card account in the budget section (and not the tracking section)…
- Dan
- acidbahia
- 10 mths ago
- 24 replies
- 204
- Khaki Mixer10 mths ago
- Dealing with Debt
Newbie with a taxrefund
Hi, everyone. I started YNAB in April. After a muddled start, I am beginning to understand it. There is the general problem that I don't have enough money, but that's not really the issue here.…
- Lavender Sparrow
- Lavender_sparrow
- 10 mths ago
- 12 replies
- 118
- 1
- farfromtheusual10 mths ago
- Dealing with Debt

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