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Setting Up Your Budget

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Rule #1: Give Every Dollar a Job
I'm a new user of YNAB and need help getting started. Rule #1: Give Every Dollar a Job Let's say if I had $30k in my checking account, and my monthly spending when I budget everything is $4500.…
- Lavender Saxophone (f87dec7e1a1e)
- Lavender_Saxophone_f87d
- 3 yrs ago
- 3 replies
- 1,955
- Dan3 yrs ago
- Setting Up Your Budget
- Answered
- Answered
How to pay for an emergency
I just started YNAB at the end of October and I have already accomplished a few goals! That being said, I have a questions. I have urgent dental work that needs to be completed sooner rather than…
- Saving Cents
- savingcents
- 3 yrs ago
- 2 replies
- 534
- Jen3 yrs ago
- Setting Up Your Budget
- Answered
- Answered
The best way to record intermediary transactions
Hello everyone, Please pardon this lengthy post. Months ago, my father asked my permission to "use" my bank account as an intermediary account, since he was on financial problems and couldn't use…
- Ferdi (exsharaen)
- exsharaen
- 3 yrs ago
- 6 replies
- 1,842
- Jen3 yrs ago
- Setting Up Your Budget
- Answered
- Answered
first month carrying over a credit card balance, help me understand
I've been using ynab for about 6 months now and I pretty much love it. I would really like to be able to track income and debt pay off better but whatever.…
- jules128
- Hot_Pink_Foal_daa347822
- 3 yrs ago
- 6 replies
- 1,776
- Janelle3 yrs ago
- Setting Up Your Budget
- Answered
- Answered
Income v Expense Report
Am I correct to assume that the "Total Net Income" means the amount of money you kept, i.e. did not spend, for the whole time you have filtered?
- Amanda Adaire
- amandadaire
- 3 yrs ago
- 4 replies
- 875
- Amanda Adaire3 yrs ago
- Setting Up Your Budget
- Answered
- Answered
Budgeting for "every other month" bills
My water bill comes due every two months. How do people budget for this? Do you just budget the expected amount in the month the bill is due? Or do you budget half the expected amount in each month?
- Gray Disk (9a670da631c7)
- Gray_Disk_9a670da631c7
- 3 yrs ago
- 4 replies
- 2,095
- Gray Disk (9a670da631c7)3 yrs ago
- Setting Up Your Budget
- Answered
- Answered
What to do at Year End?
I started using YNAB on 1/1/17, and am wondering whether I should make a "fresh start" on 1/1/18? Anybody got thoughts on advantages/disadvantages, from either a budgeting perspective or a technical…
- Sea Green Sun (ccf0a561a083)
- Sea_Green_Sun_ccf0a561a
- 3 yrs ago
- 4 replies
- 1,270
- Katejo3 yrs ago
- Setting Up Your Budget
- Answered
- Answered
My "to be budgeted" amount is negative
I recently "started fresh" on my budget. I just looked at December and the "to be budgeted" amount is negative even though I have plenty in the bank and all transactions seem to be importing…
- Silver Cartridge (f04002585532)
- Silver_Cartridge_f04002
- 3 yrs ago
- 3 replies
- 1,234
- FanessYNAB Support3 yrs ago
- Setting Up Your Budget
- Answered
- Answered
How to categorize spending on credit card when you use your CC everyday
Newbie here. How would you set up your cc category if you use it for all your daily spending (we earn the airline points) and then pay it off with your cash. It is showing up as double in our budget.…
- Coral Unicorn (6643e91e7fe5)
- Coral_Unicorn_6643e91e7
- 3 yrs ago
- 5 replies
- 1,295
- nolesrule3 yrs ago
- Setting Up Your Budget
- Answered
- Answered
How to include spending from outside budget?
I have a business budget with just my business checking and my business credit card. Due to a bank error, I had to pay a big bill out of my personal checking and I wanted to have a record of that…
- Catherine
- Budgeter
- Tan_Cup_0d4270338977
- 3 yrs ago
- 2 replies
- 673
- Jen3 yrs ago
- Setting Up Your Budget
- Answered
- Answered
How to handle gift cards that you don’t pay for?
I have recently received $600 in gift cards. What would be the proper way of entering these into my budget? Do I put these into a gift card account or add them like cash even though they can only be…
- Lavender Saxophone (d39733a86230)
- Lavender_Saxophone_d397
- 3 yrs ago
- 2 replies
- 2,231
- HappyDance3 yrs ago
- Setting Up Your Budget
- Answered
- Answered
Coupons - Where do they go?
When I end up having a coupon or a promo (like in Amazon) I put that coupon in as an income in a split category. But I think that is messing up my Income to be budgeted number.…
- Monica L
- New Mommy
- turtleandthesugarbean
- 3 yrs ago
- 5 replies
- 816
- Monica L3 yrs ago
- Setting Up Your Budget
- Answered
- Answered
Trusting the budget - method
We made some changes, and want to be sure that the "to be budgeted" is correct. I know it is basic, but I forgot what method we use to make sure our budget can be trusted? Thanks!
- AMS
- YNAB-ing since YNAB 3.
- Ams
- 3 yrs ago
- 4 replies
- 774
- AMS3 yrs ago
- Setting Up Your Budget
- Answered
- Answered
off budget account
ho do I make an account 'off budget' please? so it does not count towards the available money I have to budget but I can still see it. like in YNAB 4?
- Ivory Viper (052939097652)
- Ivory_Viper_05293909765
- 3 yrs ago
- 4 replies
- 986
- Ivory Viper (052939097652)3 yrs ago
- Setting Up Your Budget
- Answered
- Answered
No income, big savings
At the moment I have no income (in between jobs, I hope), but a lot of money in savings. I have more than $100,000 from an inheritance. I didn't put it in the stock market before the election,…
- J. Diamond/Green Harp
- Gamelan composer, music publisher
- Green_Harp_3533f4226c73
- 3 yrs ago
- 12 replies
- 1,658
- 4
- Patzer3 yrs ago
- Setting Up Your Budget
- Answered
- Answered
Manage shopping that involves more than one category?
When I shop somewhere like Target, I may get clothes, groceries, and things for my son. Do you split those expenses to apply them to multiple categories? I'm confused...
- BoyMomK
- Boymomk
- 3 yrs ago
- 15 replies
- 1,513
- HappyDance3 yrs ago
- Setting Up Your Budget
- Answered
- Answered
Available to Budget is Greater than Balances
I merged several categories into one category to clean up my budgeting a little bit. I did this by searching for the relevant categories, selected "all",…
- rlogue06
- rlogue06
- 3 yrs ago
- 18 replies
- 3,594
- Janelle3 yrs ago
- Setting Up Your Budget
- Answered
- Answered
Linked transactions
I have imported transactions from my bank and I can see that there are linked transactions which I assume is because I also have scheduled transactions.…
- Cleopatra
- Human Resources
- Tan_Cleric_bf1c175dd4bd
- 3 yrs ago
- 2 replies
- 1,059
- WordTenor3 yrs ago
- Setting Up Your Budget
- Answered
- Answered
Future Budgeting and Danger Days
I've been a YNAB user for years and just recently took the plunge and switched to the New YNAB. I think it's a great tool when you're financially comfortable,…
- Slate Blue Boa (f8c4f28fb553)
- Slate_Blue_Boa_f8c4f28f
- 3 yrs ago
- 8 replies
- 1,358
- Turquoise Transistor (340f721e091a)3 yrs ago
- Setting Up Your Budget
- Answered
- Answered
I don't know where to put this...
I recently lost my full-time job. When I went to work on the budget afterward, I realized that I had been making part-time money here and there before the job, enough to cover health insurance.…
- Shana Hill
- Freelancer
- Shana_Hill
- 3 yrs ago
- 4 replies
- 1,079
- Shana Hill3 yrs ago
- Setting Up Your Budget
How to budget for my bank fees?
I've got a couple of bank debts and I'm wondering how to budget for things like transaction fees and interest charges. 1) On my main bank loan (only seven more payments left!!!!!!!!!!!!!!…
- Forest Green Guitar (09d39a7ed921)
- Drowning in debt, but learning to swim
- Forest_Green_Guitar_09d
- 3 yrs ago
- 6 replies
- 1,656
- nolesrule3 yrs ago
- Setting Up Your Budget
- Answered
- Answered
Budgeting into the next month
I’m a YNAB newbie and still getting the hang of things. I budgeted part of my mortgage payment for November. But I noticed that if I overspend in an October category,…
- Sea Green Android (5ceb7e006c90)
- Sea_Green_Android_5ceb7
- 3 yrs ago
- 7 replies
- 1,436
- 1
- nolesrule3 yrs ago
- Setting Up Your Budget
- Answered
- Answered
don't feel like budgeting 😡
Lately for past few months, I've been "all over the place" and have not felt like budgeting. I usually start strong in the new year with resolutions and after this summer with family visiting and…
- RAH
- 💰Trust your budget!
- Rah.1
- 3 yrs ago
- 2 replies
- 871
- waterkip3 yrs ago
- Setting Up Your Budget
- Answered
- Answered
Quick Budget
When using Quick Budget (Underfunded), it's not populating all underfunded categories. I have nothing selected but its only populating a few underfunded categories.
- ckford
- ckford
- 3 yrs ago
- 3 replies
- 790
- Janelle3 yrs ago
- Setting Up Your Budget
- Answered
- Answered
Total Newb
Hi! I am starting with YNAB in November. I already entered amounts and set up categories for November, but of course I am in the red for my "to be budgeted" because I haven't been paid yet.…
- Sky Blue Battery (d283a6ae43b2)
- Sky_Blue_Battery_d283a6
- 3 yrs ago
- 6 replies
- 846
- Sea Green Deer (941f77c5a926)3 yrs ago
- Setting Up Your Budget
- Answered
- Answered

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