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Dealing with Debt

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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
- 1 yr ago
- 8 replies
- 303
- 2
- Halloweenlover11 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
- 11 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
- 11 mths ago
- 4 replies
- 148
- Slash Roberts11 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
- 1 yr ago
- 1 reply
- 121
- satcook1 yr 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
- 1 yr ago
- 4 replies
- 116
- Orange Camera1 yr 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
- 1 yr ago
- 2 replies
- 134
- 2
- MXMOM1 yr 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
- 1 yr ago
- 6 replies
- 125
- dakinemaui1 yr 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
- 1 yr ago
- 10 replies
- 266
- Yes I can1 yr 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
- 5,231
- 6
- dakinemaui1 yr 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
- 1 yr ago
- 4 replies
- 112
- Graeme V1 yr 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
- 1 yr ago
- 4 replies
- 134
- Violet Rain1 yr 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
- 1 yr ago
- 36 replies
- 352
- dakinemaui1 yr 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
- 1 yr ago
- 4 replies
- 154
- Fifedawg1 yr 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
- 1 yr ago
- 16 replies
- 170
- pablox1 yr 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
- 1 yr ago
- 136
- 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
- 2 yrs ago
- 5 replies
- 117
- 1
- NicoleYNAB Support1 yr ago
- Dealing with Debt
- NicoleYNAB Support
- Support Manager
- nicole_ynab
- 1 yr 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
- 1 yr ago
- 17 replies
- 265
- nolesrule1 yr 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
- 1 yr ago
- 24 replies
- 207
- Khaki Mixer1 yr 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
- 1 yr ago
- 12 replies
- 119
- 1
- farfromtheusual1 yr ago
- Dealing with Debt
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
- 1 yr ago
- 5 replies
- 169
- Sweet Tangerine1 yr 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
- 1 yr ago
- 5 replies
- 154
- MomonWheels1 yr 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
- 1 yr ago
- 2 replies
- 145
- MatthewYNAB Support1 yr 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
- 2 yrs ago
- 36 replies
- 531
- 2
- Purple Foal1 yr 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
- 1 yr ago
- 4 replies
- 92
- dakinemaui1 yr 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
- 1 yr ago
- 19 replies
- 143
- Steel Blue Koala1 yr ago
- Dealing with Debt

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