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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
- 2 mths ago
- 6 replies
- 168
- farfromtheusual4 days 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
- 8 days ago
- 1 reply
- 110
- 1
- RachelYNAB Support8 days ago
- Money & Relationships
This is how I use YNAB with my spouse
- Annieland
- I was told there would be no math.
- Annieland
- 2 wk ago
- 8 replies
- 197
- 5
- PhysicsGal11 days 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
- 1 mth ago
- 7 replies
- 151
- 6
- Sky Blue Tugboat1 mth 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
- 1 mth ago
- 8 replies
- 168
- MadDog1 mth 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
- 1,025
- 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
- 2 mths ago
- 7 replies
- 125
- monkeyhanger1 mth 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
- 2 mths ago
- 2 replies
- 247
- 11
- farfromtheusual2 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
- 2 mths ago
- 7 replies
- 131
- Annieland2 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
- 2 mths ago
- 21 replies
- 141
- Annieland2 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
- 4 mths ago
- 3 replies
- 118
- Lavender Hail4 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
- 4 mths ago
- 27 replies
- 314
- Grogu4 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
- 5 mths ago
- 3 replies
- 217
- Melissa5 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
- 11,871
- 23
- NicoleYNAB Support5 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
- 5 mths ago
- 3 replies
- 135
- Blue Orca5 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
- 5 mths ago
- 6 replies
- 277
- GERG5 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
- 6 mths ago
- 6 replies
- 201
- dakinemaui5 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
- 9 mths ago
- 16 replies
- 478
- 2
- Sky Blue Tugboat6 mths ago
- Money & Relationships
Using a Budget to Forecast Another Lifestyle
Hey Ya'll, So I was looking at mortgage calculators today and based on our income it suggested we could buy a home that would cost us nearly double in monthly cash-flow than I personally feel…
- Navy Blue Saxophone
- Navy_Blue_Saxophone.6
- 1 yr ago
- 8 replies
- 334
- NicolaQeen7 mths ago
- Money & Relationships
How to use Splitwise and YNAB?
Hello! So I have a question... My fiancee and I decided to use Splitwise and keep our own budget each instead of throwing our money together. We earn exactly the same amount and this gives us more…
- Alex Kree
- Turquoise_Hammerhead.11
- 7 mths ago
- 2 replies
- 111
- Alex Kree7 mths ago
- Money & Relationships
Budgeting with partner
I have been using YNAB for about seven years. Starting with the desktop version and onto the online version. I love using YNAB, but the struggle has always been with my other half.…
- FLMark80
- FLMark80
- 7 mths ago
- 5 replies
- 123
- FLMark807 mths ago
- Money & Relationships
Surprises / presents when only one of you manages budgets
So I'm the one in our marriage who does all the budgeting - my wife gave me access to her accounts so that I could do all the input for both of us and then just discuss spending and categories with…
- Chris Chip
- Cyan_Horse.12
- 7 mths ago
- 5 replies
- 187
- Chris Chip7 mths ago
- Money & Relationships
Divorced & Moving On Towards Financial Independence
Survivors of divorce, share your stories, wisdom, and tips as you progress towards in your journey to financial independence. :)
- Purple Foal
- Purple_Foal.3
- 1 yr ago
- 41 replies
- 710
- Superbone7 mths ago
- Money & Relationships
Tools to budget as a couple?
Hi YNABers! My partner and I are seeking tools to help us rethink our budget. We live together - - he owns the house and pays mortgage and home improvement expenses, I contribute to bills.…
- Hot Pink Yeti
- Hot_Pink_Yeti.2
- 7 mths ago
- 2 replies
- 130
- Hot Pink Yeti7 mths ago
- Money & Relationships
Budgeting & using YNAB with my spouse
I've been using YNAB for over 3 years now. In that 3 years, I've never really been able to get my wife to be an active participant in it's use. I think her view is "I'm on top of the finances and…
- jestarr
- jestarr
- 8 mths ago
- 4 replies
- 259
- 1
- MadDog8 mths ago
- Money & Relationships

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