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Dealing with Debt

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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
- 8 mths ago
- 5 replies
- 109
- Spring Green Wildcat8 mths ago
- Dealing with Debt
Managing debt due to COVID-19
Good link from the FTC
- casner
- Now retired, and figuring out transitions
- casner
- 8 mths ago
- 1 reply
- 103
- 2
- casner8 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
- 8 mths ago
- 4 replies
- 136
- Kit8 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
- 11 mths ago
- 31 replies
- 748
- Annieland8 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
- 8 mths ago
- 5 replies
- 122
- Enyko8 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
- 9 mths ago
- 9 replies
- 196
- 3
- dakinemaui8 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
- 9 mths ago
- 10 replies
- 163
- dakinemaui9 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
- 1 yr ago
- 19 replies
- 1,236
- Khaki Piano9 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
- 9 mths ago
- 3 replies
- 102
- NicoleYNAB Support9 mths 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
- 9 mths ago
- 2 replies
- 75
- dakinemaui9 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
- 10 mths ago
- 53 replies
- 977
- 4
- Katy9 mths 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
- 9 mths ago
- 15 replies
- 177
- crinkles9 mths ago
- Dealing with Debt
Is it possible to extend my trial period? With Covid-19 dolar os too expensive here and I don´t want to loose my budget.
- Nilton Ideriha
- Cadet_Blue_Wildebeest.6
- 9 mths ago
- 1 reply
- 133
- NicoleYNAB Support9 mths ago
- Dealing with Debt
PSA for American Express - Relief during COVID
I am processing a request to provide protection to your account and this will not impact credit. During this time, we're also: •Refunding any interest charged. •Waiving or refunding any late fees.…
- Stacy C
- nursepower
- 9 mths ago
- 1 reply
- 103
- 1
- Stacy C9 mths ago
- Dealing with Debt
Paying down multiple credit cards
Hi, all - I've been using YNAB for about six weeks. Absolutely love the positive changes it has already brought about in my life. That said, I need some advice on how best to reflect my chosen…
- Euneed Aboogeet
- Euneeda_boogeet
- 2 yrs ago
- 14 replies
- 3,451
- 1
- Beige Hail2 yrs ago
- Dealing with Debt
How to deal with a balance transfer on a credit card
Hi all - I've used YNAB since at least 2013 (Wow! Has it really been that long!?) As the program has gone through it's various stages, so has my lifestyle and budget needs.…
- Coral Panther
- Coral_Panther.4
- 9 mths ago
- 2 replies
- 70
- Coral Panther9 mths ago
- Dealing with Debt
Pay off ZERO interest debt? Or let it slide 'til the due date?
I'm sorry if this type of question has already been answered. I've used YNAB4 for many years, but just started New YNAB, and haven't really figured out how to best search the forum.…
- BMW Fan
- The world is a race track
- Slate_Blue_Grizzly.6
- 10 mths ago
- 19 replies
- 246
- 1
- farfromtheusual9 mths ago
- Dealing with Debt
Refi or just pay extra?
Posting because I grew up listening to and reading experts who'd say not to refinance in my situation. To them, it's too soon and not enough of a rate decrease to offset the closing costs.…
- Khaki Storm
- YNAB book topics online: https://support.youneedabudget.com/r/q5w48j
- Khaki_Storm.1
- 10 mths ago
- 22 replies
- 424
- nolesrule10 mths ago
- Dealing with Debt
WHEN should I start focusing on paying down my debt? Now or later?
Got some credit line debt from purchases of food and stuff, like 1000 usd or so, now I ordered the Apple Watch Series 5 on credit too. I am tempted to sell everything I got and cancel the AW order…
- Lumion
- Lumion
- 10 mths ago
- 15 replies
- 290
- Ceeses10 mths ago
- Dealing with Debt
Record loans while they are growing?
Hello fellow YNABers, After more than a year of using YNAB, I stumbled uppon a predicament: Until now, it was possible for me to work whilst studying. Thanks to my masters that is no longer an…
- Aquamarine Storm
- Aquamarine_Storm.11
- 10 mths ago
- 3 replies
- 92
- Aquamarine Storm10 mths ago
- Dealing with Debt
Blast from the past, stopped by to say hello
Hello everyone. I was very active with YNAB back in the early 2010's and while I was re-reading "The Richest Man in Babylon" it reminded me of this software and I felt nostalgic and thought I'd drop…
- Silver Cartridge
- Silver_Cartridge.5
- 10 mths ago
- 5 replies
- 175
- JoeDid10 mths ago
- Dealing with Debt
Temporarily Holding Funds in a Line of Credit
Hi everyone, I've searched for information on this topic, but most of the scenarios I've found are pretty specific so I thought I'd just ask here. I think I already know the answer to this question…
- Beige Koala
- Beige_Koala.2
- 11 mths ago
- 4 replies
- 80
- Beige Koala10 mths ago
- Dealing with Debt
Allocating funds for Credit Cards-issue with balance
HI- I have an account for my AMEX card and in my budget, I have a recurring expense for the monthly fee. In February I paid $1400 towards the card. I logged those payments in the AMEX account.…
- Pink Sound
- Pink_Sound.8
- 10 mths ago
- 3 replies
- 60
- Pink Sound10 mths ago
- Dealing with Debt
managing low-interest debt
I am entering into YNAB with two sources of debt. One is a cc balance of $5000. It is at 0% for the next 6 months, and all new purchases are also 0% for the next 6 months.…
- Ivory Storm
- Ivory_Storm.3
- 11 mths ago
- 14 replies
- 221
- dakinemaui11 mths ago
- Dealing with Debt
Budget to pay off credit card or throw into savings
With my tax return, I am getting a refund. It would actually be just enough to eliminate my credit card debt. However, I would like to keep a chunk of it in my savings.…
- Slate Blue Pilot (2903ac015cdb)
- Slate_Blue_Pilot_2903ac
- 11 mths ago
- 10 replies
- 211
- dakinemaui11 mths ago
- Dealing with Debt

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