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Dealing with Debt

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multiple credit cards
hi there. just starting out with YNAB and I find all my credit cards a little overwhelming. I mostly pay them off in full every month but I find that I have so many - 5-6 as I collect miles.…
- Tan Mermaid
- Tan_Mermaid.8
- 10 mths ago
- 5 replies
- 148
- Sweet Tangerine10 mths ago
- Dealing with Debt
Income Tax Payments & Credit Lines
Just moved over to new YNAB. Previously we set aside money for income tax installments by taking a % of each business draw and making a payment to a credit line that we use specifically for paying…
- J. Kerr
- Green_Gazelle.13
- 10 mths ago
- 5 replies
- 122
- MomonWheels10 mths ago
- Dealing with Debt
How do you add expenses in your budget?
I got my budget together. but then, how do I add expenses? Like if a bill is paid or I spent money on groceries? where do I enter that information? also. I started with balances on the bank accounts.…
- Purple Boa
- Purple_Boa.6
- 10 mths ago
- 2 replies
- 127
- MatthewYNAB Support10 mths ago
- Dealing with Debt
I Want to be Debt Free Because...
Complete this sentence: What is your number one motivation? How do you regularly remind yourself and keep your priorities straight?
- VeronicaYNAB Team
- Marketing Team
- Veronica_ynab
- 1 yr ago
- 36 replies
- 518
- 2
- Purple Foal10 mths ago
- Dealing with Debt
Credit Card payments "Activity" vs. Interest expense
Hi all! Longtime listener, first time poster. 🙂 I understand YNAB concepts pretty well (been using it for a few years and it's been great!) but there's one thing that I can't quite figure out,…
- Mig P
- Happy YNABer
- miggystardust
- 10 mths ago
- 4 replies
- 87
- dakinemaui10 mths ago
- Dealing with Debt
Remove Bogus Debt
Long story short I got myself into a little debt in YNAB classic and I rolled my debt without issues because I could. In order to move to nYNAB I created a new account which I named Consolidated…
- Steel Blue Koala
- Steel_Blue_Koala.9
- 10 mths ago
- 19 replies
- 135
- Steel Blue Koala10 mths ago
- Dealing with Debt
What to do when Credit Card is Paid Off?
Hello! I have a low balance Wayfair credit card that I should be able to pay off in the next few weeks. Once it's paid off, I plan to never use it again.…
- NancyDrew67
- nancydrew67
- 10 mths ago
- 3 replies
- 149
- NancyDrew6710 mths ago
- Dealing with Debt
RV Loan
I removed it from my Credit Card. I put it in tracking. I also put it under loans. Do I need it under loans? Money from my account goes into the payment. I have a renters income making the payments.…
- Hot Pink Wizard
- Hot_Pink_Wizard.9
- 10 mths ago
- 3 replies
- 47
- Hot Pink Wizard10 mths ago
- Dealing with Debt
Credit Card Use-Not Paid In Full?
Greetings, I have a use question. If I make a purchase and fully intend NOT to pay it off in full in one month with available funds, what its the standard way of doing this? Example:…
- Purple Lion
- Purple_Lion.8
- 10 mths ago
- 10 replies
- 139
- Purple Lion10 mths ago
- Dealing with Debt
The scary step of cancelling my only credit card
Hi everybody, I'm debt free and I've successfully avoided using my only remaining credit card for over a year now. Its balance has been sitting at zero since March 2019.…
- Peter
- Professional Designer, Web Developer
- lasty
- 11 mths ago
- 25 replies
- 302
- Turquoise Major11 mths ago
- Dealing with Debt
Can someone explain Credit Cards in YNAB Online to someone coming from YNAB 4
I am baffled by how YNAB online handles credit cards. Does the app somehow automatically budget money into the credit card for the next month when you buy something with a credit card?…
- Forest Green Viper
- Forest_Green_Viper.8
- 11 mths ago
- 6 replies
- 109
- dakinemaui11 mths ago
- Dealing with Debt
Tracking Property Value (As an Asset)
Hey YNAB fam! Question. Does anyone consider their property as an asset within YNAB? We still own a mortgage on the property but find the charts off because they do not take into account the current…
- thebeardedjourneyman
- With great beard come great responsibility
- thebeardedjourneyman
- 11 mths ago
- 18 replies
- 435
- nolesrule11 mths ago
- Dealing with Debt
Opinion on what to do with timeshare loan?
Hey guys, I would like an opinion on what we should do. My DH and I have a timeshare loan that's almost paid off. (A bad decision from way before YNAB) The loan is in USD and the monthly payment is…
- Mel
- lawofthree
- 11 mths ago
- 8 replies
- 116
- Mel11 mths ago
- Dealing with Debt
Wrong budget amount.
I accidentally tried to add to my credit card in the transaction part and created $800 “to be budgeted” I don’t have $800 to budget. How do I take it back to $0 and not have a deficit of $400 “ to…
- Blue Hail
- Blue_Hail.9
- 11 mths ago
- 1 reply
- 28
- satcook11 mths ago
- Dealing with Debt
How do I register an advance in my salary from my employer?
I received an advance in my salary from my employer. Let's say $600 to make calculations easy. I have to return it in 12 months, so that's $50/month. I'm not sure what the best method is to register…
- PVB
- Sky_Blue_Memory.7
- 11 mths ago
- 5 replies
- 110
- Spring Green Wildcat11 mths ago
- Dealing with Debt
Managing debt due to COVID-19
Good link from the FTC
- casner
- Now retired, and figuring out transitions
- casner
- 11 mths ago
- 1 reply
- 104
- 2
- casner11 mths ago
- Dealing with Debt
Choosing which student loans to pay off first
Hi everyone, I'm trying to take advantage of the 0% interest rate on student loans right now by attacking my principal amounts. I'm wondering the best way to approach it--should I focus on one loan…
- Colleen Cirocco
- colleencirocco
- 11 mths ago
- 4 replies
- 142
- Kit11 mths ago
- Dealing with Debt
SURVEY PLEASE: Build savings or payoff debt in 2020?
Hi, I'm usually on a new fast, however, in light of today's global crises ...... QUESTION: would you SAVE all that you can in 2020, -OR- would you pay off your last debt of $9,000.…
- Ellen Waters
- Making progress on my desired goals!
- ellen_waters
- 1 yr ago
- 31 replies
- 750
- Annieland11 mths ago
- Dealing with Debt
Pay Specific Amount Each Month GOAL
Is there a way to set a "Credit Card Payment Category" goal for non-credit card accounts? I'm looking for a way to set a goal for a debt loan where I will pay the same amount each month and I want…
- Enyko
- Enyko
- 11 mths ago
- 5 replies
- 129
- Enyko11 mths ago
- Dealing with Debt
Is anyone not staying in budget right now to try to help small businesses???
My sister-in-law owns a small hair salon that is now closed. I just bought a bunch of product from her just to try to help before she had to close the doors.…
- Tomato Griffin
- Tomato_Griffin
- 1 yr ago
- 9 replies
- 199
- 3
- dakinemaui11 mths ago
- Dealing with Debt
Overspending and Neglecting Your Budget
So, my goal is to start to use YNAB after not using it properly for a few weeks. to try and understand my budget after I haven't been using it. I didn't check or do any planning of my budget and I…
- Jennifer Anne
- Alice_Blue_Nomad.5
- 11 mths ago
- 10 replies
- 167
- dakinemaui11 mths ago
- Dealing with Debt
Line of Credit & Transfers
Hello, I am so confused at the way my available balance shows up for credit cards, including my line of credit, which is in this section. I owed 501.46 at the beginning of the month,…
- Pink Cobra
- Pink_Cobra.2
- 2 yrs ago
- 19 replies
- 1,343
- Khaki Piano11 mths ago
- Dealing with Debt
Red Negative "To Be Budgeted" Rollover
What will happen next month rollover when I have a red negative "to be budgeted"? Next month rollover, will affect my new month's budge? The credit card green available balance,…
- NalaMama
- Aquamarine_Battery.3
- 1 yr ago
- 3 replies
- 107
- NicoleYNAB Support1 yr ago
- Dealing with Debt
How to Manage Payoff Goal for CC Debt w/ Recurring Monthly Charges
I've been watching the YNAB videos, and I haven't found the answer to my specific scenario. Let me provide the scenario: 1. The balance on my card is $3,500.…
- Highlander89
- Attorney
- Tan_Projector.4
- 1 yr ago
- 2 replies
- 79
- dakinemaui1 yr ago
- Dealing with Debt
Pay it off or hold the cash?
I bought something rather expensive (3.5k) and foolish right before this downturn happened. I put it on a CC because I wanted points and have the cash.…
- Lavender Piano
- Lavender_Piano.5
- 1 yr ago
- 15 replies
- 179
- crinkles1 yr ago
- Dealing with Debt

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