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Setting Up Your Budget

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How to handle HSA account
Hi All, I fee like I'm missing something obvious here. I added an HSA bank account this year. By the time I added it to YNAB, it already had funds contributed by me and my employer.…
- HoosierJeff
- HoosierJeff
- 3 mths ago
- 2 replies
- 88
- HoosierJeff3 mths ago
- Setting Up Your Budget
- Answered
- Answered
Protecting some of the starting balance from being in the budget
newbie here, and couldn't find this anywhere. YNAB allocates all of my available balance as potential budget. I want to lock away at least $x for a safety net to prevent me from getting close to $0…
- Bigtime Topbanana
- Be Your Gold, Every Day
- Ivory_Cobra.14
- 4 mths ago
- 9 replies
- 75
- Fuzzball Meows4 mths ago
- Setting Up Your Budget
- Answered
- Answered
Sample Retirement Budgets
I am near retirement. (Couple of years). I have maybe too many categories in my budget I am using now. I have used other budget programs in the past so I might have brought over bad habits.…
- Roger
- Dirt Farmer
- Beige_Barnacle.6
- 4 mths ago
- 6 replies
- 208
- 1
- jenmas4 mths ago
- Setting Up Your Budget
Available money turns yellow when I move remaining money
When I meet my goal of $50 for my water bill, it turns green. Then when the bill comes for $36 I want to transfer the remaining $14 to a different budget.…
- Budget Conquistador
- Ready for the next big adventure
- Khaki_Screwdiver.8
- 4 mths ago
- 6 replies
- 74
- Budget Conquistador4 mths ago
- Setting Up Your Budget
- Answered
- Answered
Breaking down starting bank balance to monthly budgeted amounts
Hi there! Brand new to YNAB and I think I am not quite understanding how things work. I have my starting bank account balance (let's say it is $2000). Part of this ($500) needs to go to rent.…
- Blue Stallion
- Blue_Stallion.15
- 4 mths ago
- 2 replies
- 68
- Superbone4 mths ago
- Setting Up Your Budget
Looking for Advice on budgeting future transactions
I am in my first month using YNAB and am really enjoying the process. There is one issue that I could use some advice on. I have encountered situations where I have a future expense scheduled as an…
- RamMan
- Powder_Blue_Admiral.2
- 3 yrs ago
- 14 replies
- 2,124
- 2
- Slate Blue Pilot (2903ac015cdb)4 mths ago
- Setting Up Your Budget
- Answered
- Answered
Budgeting for future transactions
I have yearly subscriptions (e.g dropbox, evernote, ynab) which are scheduled transactions in my ynab account. The problem though is this: I have to manually make sure that the category always has…
- Powder Blue Octopus
- Powder_Blue_Octopus
- 2 yrs ago
- 49 replies
- 1,754
- 2
- Slate Blue Pilot (2903ac015cdb)4 mths ago
- Setting Up Your Budget
Income at the end of the month
Husband and I were YNAB'ers for about two years to save aggressively towards downpayment on our house and budget for a 6 month non-paid course he wanted to do.…
- Elien C
- elien_c
- 1 yr ago
- 40 replies
- 692
- MatthewYNAB Support4 mths ago
- Setting Up Your Budget
Budget vs Actual
Is there a way to produce a budget vs actual report for a specific time period?
- Green Battery (bd73c37a3b89)
- Green_Battery_bd73c37a3
- 3 yrs ago
- 58 replies
- 2,410
- 4
- Cyan Cornet4 mths ago
- Setting Up Your Budget
- Answered
- Answered
Moving transactions to a different month
I am new to YNAB and used to use EveryDollar. Let's use April and May as months here. In EveryDollar, as the month transitioned from April to May, I sometimes accidentally dragged an amount to the…
- Steel Blue Vacuum
- Steel_Blue_Vacuum.17
- 4 mths ago
- 1 reply
- 56
- Superbone4 mths ago
- Setting Up Your Budget
YNAB should be more helpful with planning
YNAB is great at stopping you spending money you don't have, it's also great at teaching you to priortise spending on what's most important in the moment.…
- Turquoise Piano
- Turquoise_Piano.10
- 4 mths ago
- 15 replies
- 211
- Ivory Storm4 mths ago
- Setting Up Your Budget
Reimbursement Questions
Hey Y'all, Am I missing something about how I am handling reimbursements? Here's the scenario: I have an insurance policy and the payment amount (premium) is automatically deducted from my checking…
- Loose Change
- Crazy_diamond
- 4 mths ago
- 5 replies
- 76
- Loose Change4 mths ago
- Setting Up Your Budget
Over/under spending month-to-month
I've read these two articles, but am not sure if this is possible. If I budget $50 for a category and overspend by $50, can I have that balance then carry over for that category for next month so my…
- Green Wildcat
- Green_Wildcat.13
- 4 mths ago
- 1 reply
- 51
- jenmas4 mths ago
- Setting Up Your Budget
- Answered
- Answered
YNAB toolkit "Overbudget Warning" not working?
Anyone else finding that the overbudget warning against goals feature in YNAB Toolkit isn't working? When I budget more than the spend goal the goal does not change to red and warn me...…
- Turquoise Piano
- Turquoise_Piano.10
- 4 mths ago
- 1 reply
- 45
- jenmas4 mths ago
- Setting Up Your Budget
Recurring Budgeting Amounts
I'm still trying to get a feel for everything and have what is likely a really obvious question. How do I set up a budgeted amount to recur every month so I don't have to re-enter it every time.…
- Green Wildcat
- Green_Wildcat.13
- 4 mths ago
- 4 replies
- 79
- Green Wildcat4 mths ago
- Setting Up Your Budget
- Answered
- Answered
Correcting account balance
Due to some old errors in my budget and transactions, I needed to do some corrections to May budget. What I did was: * Made sure all account balances were correct * Made sure all credit card…
- Ziggy Stardust99
- ziggy_stardust99
- 4 mths ago
- 13 replies
- 62
- MatthewYNAB Support4 mths ago
- Setting Up Your Budget
Cleaning up multiple savings accounts
I started YNAB in February. We have a checking and saving account at Wells Fargo, then eight savings accounts at a credit union that have our emergency fund, savings for a replacement car,…
- NancyM333
- Beige_Elk.14
- 4 mths ago
- 2 replies
- 69
- NancyM3334 mths ago
- Setting Up Your Budget
Budget Setup, whole thing is messed up
So, I have a question about accounts. I have 5 saving accounts I setup at a bank that allows for unlimited saving accounts for things like Vacations, Home Improvement, etc...…
- Steel Blue Vacuum
- Steel_Blue_Vacuum.16
- 4 mths ago
- 8 replies
- 142
- 1
- Superbone4 mths ago
- Setting Up Your Budget
How to track spending promised money
Consider the following scenario. My company has promised to cover the bills for my trip. I spend the money and expect to get it back from my company in few days. How do I track this?
- Sea Green Jackal
- Sea_Green_Jackal.19
- 4 mths ago
- 4 replies
- 76
- Cornflower Blue Nomad4 mths ago
- Setting Up Your Budget
Goal Dates at the 1st of the Month and Proper Month Budgeting
Hi Everyone, I was curious as to some opinions on this.... If you've set a monthly goal (let's say your rent or mortgage as an example) that is due on the 1st of every month.…
- Philsboy
- Orange_Network.11
- 7 mths ago
- 7 replies
- 228
- Philsboy4 mths ago
- Setting Up Your Budget
Fresh Start - extra transactions
Hi there, I did a fresh start in Feb in order to start tracking my new expenses better. There were some lingering transactions that populated for January and now I realized that is making my average…
- Forest Green Commander
- Forest_Green_Commander.19
- 4 mths ago
- 3 replies
- 35
- nolesrule4 mths ago
- Setting Up Your Budget
My Roommates Pay My Mortgage and utilities.. do I not include mortgage and utilities?
Hello, I'm setting up my YNAB budget for the first time and I am stuck on the mortgage and utilities part. Since I'm a homeowner and my roommates' rent pays for my mortgage payments and utilities,…
- Khaki Camera
- Khaki_Camera.9
- 4 mths ago
- 3 replies
- 55
- Katejo4 mths ago
- Setting Up Your Budget
Merging categories
What's the easiest way to merge categories? YNAB's "help" notes has a section on "delete/merge categories", but it doesn't say anything about merging. This suggests to me that the only way to do it…
- Navy Blue Leopard
- Navy_Blue_Leopard
- 3 yrs ago
- 17 replies
- 2,258
- 2
- Alice Blue Elk (16e44ea38143)4 mths ago
- Setting Up Your Budget
- Answered
- Answered
What am I doing wrong with Goals?
I have all my annual subscriptions down in a Subscriptions category for monthly instalments. For each one, I set a goal, eg "Club Membership: £120; Needed for Spending; By Date; 31st December 2021;…
- Cornflower Blue Sun
- Cornflower_Blue_Sun.10
- 8 mths ago
- 2 replies
- 149
- AndyTX4 mths ago
- Setting Up Your Budget
Rolling with a new category during month
Let’s say hypothetically, we don’t have / budget a housewares category. We then get new dinner plates. Are people just modifying and adding new categories as they go?…
- YNAB mj
- Cornflower_Blue_Android.15
- 4 mths ago
- 4 replies
- 82
- MatthewYNAB Support4 mths ago
- Setting Up Your Budget

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