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  • Getting the hang of things

    Today I received my first paycheck since starting to use YNAB last week. Naturally there are a few things I am still uncertain about. First off, after noticing that it was taking my bank a day or 2…
    • nic_lic06
    • nic_lic06
    • 2 mths ago
    • 18 replies
    • 142
    • 1
    • dakinemaui2 mths ago
    • Setting Up Your Budget
  • HSA With Payroll Contributions and Reimbursable Expenses

    The official HSA Guide is not clear in explaining how to handle this situation. I have read all of the Forum posts on HSAs as well. We would greatly appreciate help since we are nearing the end of…
    • Cadet Wildcat
    • Cadet_Blue_Wildcat.10
    • 2 mths ago
    • 3 replies
    • 41
    • dakinemaui2 mths ago
    • Setting Up Your Budget
  • Major Life Change: Can I Create a "Draft" Budget

    I've been using YNAB since April, and it's helped my family a lot when money was tight. We were living on one income (+ 2 kids, 2 pets, high cost of living location,…
    • Sea Green Python
    • Sea_Green_Python.15
    • 2 mths ago
    • 2 replies
    • 60
    • FanessYNAB Support2 mths ago
    • Setting Up Your Budget
  • Confused about how different accounts relate to my budget (529, CD)

    I sold my house last year and started renting, so have an unusual amount of cash (for me). It netted 45k or so. I put 10,000 into a 529 for my son. At the same time,…
    • Silver Lion
    • Silver_Lion.6
    • 2 mths ago
    • 1 reply
    • 32
    • dakinemaui2 mths ago
    • Setting Up Your Budget
  • FRESH START FIASCO

    I did a Fresh Start. I got PAID 1 day early, on October 31, so I used that to create my budget. But, now that we have moved into a new month..the app is disregarding ALL of the money I budgeted in…
    • Orange Snow
    • Orange_Snow.9
    • 2 mths ago
    • 6 replies
    • 96
    • MatthewYNAB Support2 mths ago
    • Setting Up Your Budget
  • Should it all match?

    My checking acct at the bank matches ynab acct checking. But when I add up next month income and the available from the categories its over a thousand dollars more than my checking.…
    • Reecemj
    • Blue_Leopard.2
    • 2 mths ago
    • 9 replies
    • 125
    • Reecemj2 mths ago
    • Setting Up Your Budget
  • Payroll taxes?

    Do you all seriously think that employers are going to stop deducting payroll taxes? If they do, then that means we are all responsible for paying our own tax bill, right?…
    • Ivory Storm
    • Ivory_Storm.3
    • 5 mths ago
    • 29 replies
    • 374
    • Khaki Storm2 mths ago
    • Setting Up Your Budget
  • Any thoughts would be appreciated

    Hey there! I am an on and off YNAB user since I believe YNAB4. I am now back at it since I tried Mint... there were things I didn’t like about it . I tried a budget journal....…
    • Lee2lee
    • Lee2lee
    • 2 mths ago
    • 17 replies
    • 314
    • NicoleYNAB Support2 mths ago
    • Setting Up Your Budget
  • Aged 81 days, everything reconciled - bank balance doesn't reflect

    Hi, I've been at this a few months. Aged money 81 days. Money is reconciled. Everything looks great. However, shouldn't my actual bank balance be higher to reflect all of the money I have set aside…
    • Laura Anne
    • Cadet_Blue_Rain.6
    • 2 mths ago
    • 1 reply
    • 49
    • dakinemaui2 mths ago
    • Setting Up Your Budget
  • Nested Categories

    I want YNAB to allow nested categories. Am I correct in concluding that these are not allowed? Has anyone figured out a way to do this? For Example 1. True Expenses / Intermittent or Irregular…
    • BBBudgetGuy101
    • Maroon_Battery.5
    • 1 yr ago
    • 25 replies
    • 1,103
    • 2
    • Turner Monroe2 mths ago
    • Setting Up Your Budget
  • Same as one month ahead?

    My entire income is one government pension deposit that comes on the 1st of every month. My monthly expenses do not exceed the amount of my pension. On the 1st of every month I comfortably fund my…
    • HTR
    • Htr
    • 2 mths ago
    • 3 replies
    • 84
    • Superbone2 mths ago
    • Setting Up Your Budget
  • A Response to Todd’s Response Regarding Budgetary Movement Tracking (pt.2 + pt.1)

    When I saw Todd’s post a few days ago (now a month ago) , I knew I wanted to craft a response that was able to dive into his comments and their YNABing implications.…
    • Move Light Sound Life
    • move_light_sound_life
    • 2 mths ago
    • 5 replies
    • 151
    • 8
    • Move Light Sound Life2 mths ago
    • Setting Up Your Budget
  • How to not break YNAB’s philosophy.

    How to not break YNAB’s philosophy. I’m having a problem and could use some help. I have an obscene amount of money in my accounts in YNAB. This amount is probably pennies to some,…
    • MsTJ
    • YNAB has given me back my future
    • Believer_in_YNAb
    • 1 yr ago
    • 44 replies
    • 772
    • Turner Monroe2 mths ago
    • Setting Up Your Budget
  • Messed up Accounts

    I had a negative balance in one cateogry that I tried to cover by moving money. I moved the money backwards and now the category that had positive money has a negative balance and the category that…
    • Slate Gray Sander
    • Slate_Gray_Sander.6
    • 2 mths ago
    • 4 replies
    • 63
    • dakinemaui2 mths ago
    • Setting Up Your Budget
  • Extending Free Trial Period

    Dear YNAB team, I am a new YNAB subscriber, I have subscribed for free trial early this month. I was wondering if it is possible to get my trial extended?…
    • Gold Inspector
    • Gold_Inspector.13
    • 2 mths ago
    • 1 reply
    • 78
    • NicoleYNAB Support2 mths ago
    • Setting Up Your Budget
  • Help required once again lol!!

    Hey there I have made a mistake and need help and was hoping someone could help me out! I had a pay deposited in my account today and I wanted to use that money for November’s budget since all my…
    • Lee2lee
    • Lee2lee
    • 2 mths ago
    • 23 replies
    • 79
    • Bruce2 mths ago
    • Setting Up Your Budget
  • What to do if you don't need your whole spending goal?

    Hi everyone, I'm trying to use spending goals to make sure I'm setting aside enough money to cover my bills each month. However, I'm wondering what to do for variable amounts,…
    • Slate Blue Nomad
    • Slate_Blue_Nomad.5
    • 2 mths ago
    • 4 replies
    • 137
    • dakinemaui2 mths ago
    • Setting Up Your Budget
  • How to deal with negative balances not being able to be rolled over

    Hello, I've been searching on this for a few hours and although I have found a few answers that are close, I did not understand them well enough as I am new to YNAB.…
    • Coral Screwdiver
    • Coral_Screwdiver.2
    • 1 yr ago
    • 25 replies
    • 627
    • Pink Yearling2 mths ago
    • Setting Up Your Budget
  • Using next month's budgeted money early

    How would you handle this? I've kept to my grocery budget for this month. Next month starts on a Sunday. I need to buy some groceries for Sunday, but rather than going shopping on Sunday I want to…
    • Forest Green Rain
    • Forest_Green_Rain.6
    • 2 mths ago
    • 19 replies
    • 172
    • 1
    • HappyDance2 mths ago
    • Setting Up Your Budget
  • You've reached your goal! - Umm, no I haven't!

    I have an annual recurring land lease for $1,100. The lease is due in August, but I want to have the entire amount available at the end of July so I can pay it anytime in August.…
    • Red Screwdriver
    • Redscrewdriver
    • 2 mths ago
    • 7 replies
    • 233
    • Scott2 mths ago
    • Setting Up Your Budget
  • Reaching a goal and starting again?

    I have a number of bills that come around once a year: school fees, son's marching band dues, Costco membership, etc. I use a Target Savings Balance goal to get there,…
    • Parkaboy
    • Professor, Dilletante
    • parkaboy
    • 4 mths ago
    • 10 replies
    • 167
    • Superbone2 mths ago
    • Setting Up Your Budget
    • Answered
    • Answered
  • Budget account for non-cash accounts

    Hi, all. I hope this question is not too stupid. On my list of budget accounts, I have cash, credit cards, checkings, and savings. The issue that I face is that I also have an account for my lunch…
    • Harry Knoener
    • hknoener
    • 2 mths ago
    • 4 replies
    • 66
    • dakinemaui2 mths ago
    • Setting Up Your Budget
  • Inheritance money- How to budget

    Hi all, Sadly, a family member recently passed, and left myself and my siblings an inheritance. I have been thinking about the best way to use this money,…
    • Slate Blue Nomad
    • Slate_Blue_Nomad.5
    • 3 mths ago
    • 15 replies
    • 300
    • Mandra B2 mths ago
    • Setting Up Your Budget
  • Advice for Temporary Income Increase

    I am only 2 months into YNAB, but very much like it. I have recently been offered new responsibilities (opportunities) at work which will also come with a significant 'income supplement'.…
    • Tomato Cobra
    • Tomato_Cobra.10
    • 2 mths ago
    • 8 replies
    • 201
    • 1
    • bret2 mths ago
    • Setting Up Your Budget
  • Got behind--why isn't last month's deposited money available TBB in the month I deposited it?

    I got behind. I am catching up and just entered a deposit in my checking account the end of last month. I expected to be able to go back to last month and budget that money.…
    • Salmon Case
    • Salmon_Case.10
    • 2 mths ago
    • 2 replies
    • 104
    • dakinemaui2 mths ago
    • Setting Up Your Budget
    • Answered
    • Answered
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