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Not a good outcome....
I’m felling pretty low right now. I’ve been managing, or struggling with, “the bills” for 23 years. I tried to open yet another a discussion with my wife tonight about our finances.…
- Robert Carignan
- Husband & Dad
- Kimble
- 2 wk ago
- 15 replies
- 324
- 1
- farfromtheusual3 days ago
- Money & Relationships
UK family budget - family of 4 (2 adults, 2 kids)
Hello! We are looking at emigrating to the UK, but I am at a loss on how to set up a budget. Does anyone have a draft budget that they would be willing to share with me?…
- Spring Green Pony
- 3 years of YNAB experience
- Spring_Green_Pony.1
- 1 mth ago
- 6 replies
- 90
- monkeyhanger4 days ago
- Money & Relationships
Problems with budgeting with a partner
Hi, I accidentally deleted my previous looong post so I'm writing a shorter version of it. If anything is unclear I'll answer it. I live with my girlfriend and we share some expenses like groceries…
- Tan Koala
- Tan_Koala.17
- 1 mth ago
- 7 replies
- 192
- Beige Captain6 days ago
- Money & Relationships
How do you convince your husband we should get out of debt; i.e., pay off the credit cards?
I am the sole breadwinner and my husband stays home to care for our children. We have accumulated quite a bit of savings thanks to the COVID stimulus payments and our tax refund.…
- Determined to Get Out of Debt
- Sole breadwinner, husband, 3 kiddos, and a lot of debt
- Gold_Tiger.10
- 4 mths ago
- 7 replies
- 243
- kirstenw7 days ago
- Money & Relationships
Fraud Insurance / Security at YNAB
Having been a victim of identity in the past I take security very seriously. I would like to know if linking my bank accounts with YNAB would invalidate any fraud protection insurance that my bank…
- NeedSomeConvincing
- Lavender_Inspector.17
- 4 wk ago
- 5 replies
- 197
- HedgeMage3 wk ago
- Money & Relationships
Sharing access to a single budget in an account
My father is in assisted living in another state and I'm managing his finances in a separate YNAB budget from my personal budget. My sister lives in yet another state and she handles his medical…
- Justin
- justin.1
- 1 mth ago
- 6 replies
- 100
- Magenta Saxophone4 wk ago
- Money & Relationships
Trying not to smother my significant other
Hi, I'm Emma. I've been on the YNAB wagon since January 2020 and I've been all in since the start. Because of YNAB I've been able to save for a car purchase,…
- Emma Catherine
- Civil engineer getting back on track
- emmacatherine
- 1 mth ago
- 14 replies
- 317
- 2
- Ceeses1 mth ago
- Money & Relationships
Separate accounts in same budget chaos
We have our mortgage offset account for all the bills, while everyday spending comes out of our regular chequing account. Plus a "buffer" account and some savings accounts for us and the kids.…
- Swiss Maple
- swissmaple
- 1 mth ago
- 4 replies
- 107
- MarisaYNAB Support1 mth ago
- Money & Relationships
Two Quick Tips after One Year of YNAB
My first tip is that it took me almost a full year to really grasp Rule #3: Roll with the Punches. Instead of moving money from somewhere else in that month, I was stealing from the future.…
- CarrJar
- carrjar
- 2 mths ago
- 1 reply
- 176
- 1
- RachelYNAB Support2 mths ago
- Money & Relationships
This is how I use YNAB with my spouse
- Annieland
- I was told there would be no math.
- Annieland
- 2 mths ago
- 8 replies
- 252
- 5
- PhysicsGal2 mths ago
- Money & Relationships
Relationships with money
This thread isn't about how money effects relationships with people, but about how different people approach their relationships with money. In a recent thread ,…
- HedgeMage
- Tomato_Thunder.11
- 3 mths ago
- 7 replies
- 170
- 6
- Sky Blue Tugboat3 mths ago
- Money & Relationships
Trying to figure out how to SPEND money and going backwards?
I'm sorry if this is in the wrong category. Wasn't sure where to put it. It's sort of a relationship question with the wife not wanting to spend any money but knowing we need to.…
- BMW Fan
- The world is a race track
- Slate_Blue_Grizzly.6
- 3 mths ago
- 8 replies
- 182
- MadDog3 mths ago
- Money & Relationships
Budgeting with spouse
I was hoping to get some feedback from the forum about budgeting with a spouse. For context, my spouse earns a high income and has always been good at saving money.…
- Beige Flute
- Beige_Flute.8
- 1 yr ago
- 20 replies
- 1,063
- 3
- Powder Blue Pony1 yr ago
- Money & Relationships
Budgeting with Partner w/out joint account
Hello Everyone, My partner is going to be moving in with me soon. I am YNAB-obsessed and he currently doesn't budget. He knows YNAB is important to me so we are trying to figure out how to keep…
- Frugal Dragon
- Assistant Winemaker
- Frugal_Dragon
- 4 mths ago
- 7 replies
- 151
- monkeyhanger3 mths ago
- Money & Relationships
Who knew YNAB was a romance app
My husband (who was dragged kicking and screaming into budgeting) makes cute notes. Here’s one for the liquor store purchase.
- MXMOM
- MXMOM
- 4 mths ago
- 2 replies
- 273
- 11
- farfromtheusual4 mths ago
- Money & Relationships
We need a bookkeeper - Where and how do we find one we trust?
So we've tried and tried and both of us just aren't that interested in doing all the details of the data entry/categorization that comes with keeping up with the books (figuring out why connections…
- Jordan Peterson
- Orchid_Pegasus
- 4 mths ago
- 7 replies
- 150
- Annieland4 mths ago
- Money & Relationships
Building credit with spouse using credit card(s)
Hi all, my wife and I would like to have a "joint" account so we can both use the same card and build credit together. Currently we mostly use an Amazon Visa,…
- Silver Guitar
- Silver_Guitar.10
- 4 mths ago
- 21 replies
- 156
- Annieland4 mths ago
- Money & Relationships
When do you know you have enough to relocate?
Hi all I was hoping to get some thoughts on this subject: We live in a big city and earning very good salaries. We are in our mid-thirties and are hoping to move back to the countryside to be next…
- Lavender Hail
- Lavender_Hail.7
- 6 mths ago
- 3 replies
- 128
- Lavender Hail6 mths ago
- Money & Relationships
Need input on how to approach divorce settlement (emotional/financial advice, not legal)
I need advice that is a hybrid of financial/emotional/ethical. TL:DR -- if you are the one who left a marriage, and you paid less than half of household expenses during the relationship because you…
- labrucebee
- arts educator
- rockcreekpark
- 6 mths ago
- 27 replies
- 323
- Grogu6 mths ago
- Money & Relationships
any advice for checking the budget LESS? :-/
A little over a year ago, I left a lucrative corporate job to join a startup. Our household cash income dropped drastically as a result of this change, as we knew it would.…
- LH
- hawthornesfalcon
- 7 mths ago
- 3 replies
- 226
- Melissa7 mths ago
- Money & Relationships
Sharing a budget with my partner
Hi new on YNAB. I would love to learn How to share a budget with my partner. Anyone who can help? Thanks!
- Cyan Song
- Cyan_Song
- 3 yrs ago
- 165 replies
- 12,001
- 23
- NicoleYNAB Support7 mths ago
- Money & Relationships
Helping out overdrawn husband while teaching budgeting skills
Okay, so I'm the budgeter and my husband is a fan but doesn't get into the nitty gritty. He also isn't as good about saving up for possible expenses, so apparently got himself some sort of Paypal…
- Blue Orca
- Blue_Orca.9
- 7 mths ago
- 3 replies
- 146
- Blue Orca7 mths ago
- Money & Relationships
Feeling Beaten Down
Just about I am starting to feel a sense of control in my finance after a year of budgeting with YNAB, my wife told me that I need to give her 30k cash to cover some unexpected expenses,…
- albert
- Self Employed
- albertmoh
- 7 mths ago
- 6 replies
- 290
- GERG7 mths ago
- Money & Relationships
Wife and I have “moo” categories - reset each month or save over time?
Hi all! Following advice from Jesse , my wife and I each have our own “moo” categories, i.e. our own tiny discretionary funds. We keep them very low at $10/month,…
- Silver Guitar
- Silver_Guitar.10
- 8 mths ago
- 6 replies
- 213
- dakinemaui7 mths ago
- Money & Relationships
Equity vs Equality in a shared budget
Some time back in another thread, the concept of equity vs equality came up with regard to how elective spending is budgeted between partners. I thought it might prompt an interesting discussion and…
- Scott
- In the beginning the budget was created. This has made many people very angry and has widely been regarded as a bad move
- Scottgoeshiking
- 11 mths ago
- 16 replies
- 491
- 2
- Sky Blue Tugboat8 mths ago
- Money & Relationships

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