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Starting a sole proprietorship business
Hi, I was working in an IT company for the past few years. Recently due to COVID, I lost my job. Now, I plan to start a sole proprietorship web development company.…
- Maroon Cello
- Maroon_Cello.11
- 11 mths ago
- 4 replies
- 169
- Black cat11 mths ago
- Small Business
YNAB for Church/NonProfit-Tracking Donors
I have been a YNABer since 2009. Recently my husband became pastor of a small church. I have found some nice fund accounting software options, but I am continually frustrated that YNAB style…
- Magenta Cornet
- Magenta_Cornet
- 3 yrs ago
- 17 replies
- 1,239
- Powder Blue Cornet11 mths ago
- Small Business
Retainers
We have a business that requires a non-refundable retainer up front (long story... several clients who we did work all the way through the project only to have them default on the bill- lessons…
- Persephone's Mom
- Persephones_mom
- 11 mths ago
- 53
- Small Business
Keep emergency fund in business account?
Hi, I work as a self employed IT contractor in the UK. I'm sole director of my limited company. I always leave a few months' worth of running costs and salary in that account,…
- ToTheLighthouse
- Ivory_Battery.8
- 1 yr ago
- 11 replies
- 165
- dakinemaui11 mths ago
- Small Business
Save for Taxes vs Net worth
My husband sometimes gets income from freelance jobs. In Holland it is normal that you keep track of your freelance incomes in one year and the next year you pay what you owe (around june 2018 for…
- Marisss
- Pink_Mainframe.1
- 3 yrs ago
- 9 replies
- 1,881
- 3
- Annieland1 yr ago
- Small Business
Separating Business from Personal Budget
I searched for an answer but couldn't seem to find what I need. I started YNAB with my business and personal combined, but it's getting hard for me to see what's actually where.…
- Duschinka
- duschinka
- 1 yr ago
- 8 replies
- 256
- 1
- PhysicsGal1 yr ago
- Small Business
How to Budget Multiple Rental Properties on YNAB?
I buy and sell mobile homes...weird, I know. I hate Quickbooks. It's not user friendly and I've wasted hours of my life trying to problem solve the smallest of issues.…
- Drew
- imthetalent
- 2 yrs ago
- 17 replies
- 910
- 6
- Charles1 yr ago
- Small Business
Profit First
Hi! Has anyone read the book Profit First yet? It advocates some kind of 'envelope' system for different categories of biz income and expenses. It suggests to have multiple bank accounts to make…
- Winterlover
- Welmoed
- 3 yrs ago
- 18 replies
- 2,925
- 3
- Tan Dragon1 yr ago
- Small Business
Using YNAB for personal and business expenses (as LLC Owner)
Hi Everyone! I'm new to YNAB, and any form of properly tracking my finances in a professional, structured way. After always just shoving everything I could to my tax accountant,…
- Sea Green Cheetah
- Sea_Green_Cheetah.9
- 1 yr ago
- 16 replies
- 566
- dakinemaui1 yr ago
- Small Business
How much is furniture assembly worth?
Hey everyone! I'm thinking about starting a side hustle assembling furniture - IKEA and the like. I'm quite handy with a screwdriver and I'm pretty darn good at deciphering the instructions.…
- TheTabby
- Just a common cat trying to budget uncommonly well.
- TheTabby
- 2 yrs ago
- 6 replies
- 226
- 1
- rolltide2 yrs ago
- Small Business
Family Child Care Business
I'm getting ready to open a family child care (in-home daycare) business in January and am looking for advice from any current YNAB users who manage their personal and business finances with YNAB.…
- Slate Gray Boa
- Slate_Gray_Boa.8
- 1 yr ago
- 1 reply
- 132
- FanessYNAB Team1 yr ago
- Small Business
Research on Side Hustles (Possibly Based in a Hobby)
I am a doctoral candidate trying to get in contact with people who work several jobs of which one might be based on a hobby. We—a group of researchers at the University of Oregon—want to understand…
- ResearchGig
- Tomato_Sound.7
- 1 yr ago
- 162
- Small Business
Side-Hustle
First - I wonder why there isn't an "Income" category in the forums. I mean, one way to make your budgeting easier is to generate more income! That can come in a raise, or investing in education,…
- Ryan Oakley
- Side-Hustler
- oakley
- 4 yrs ago
- 25 replies
- 2,762
- 2
- TechieM22 yrs ago
- Small Business
Profit & Loss for Sole Traders & Limited Companies
Do you offer a full accounting solution? In other words turn those bank spreadsheets into completed profit and loss accounts detailing all sales costs, income & expenditure? Not just for companies,…
- Bowline Pixie
- Tan_Mill.10
- 1 yr ago
- 1 reply
- 112
- Tobias1 yr ago
- Small Business
Moving a credit card to a different budget...
I started tracking my business expenses last year in a separate ynab budget but I had a credit card that was opened before I made the switch. I pay $60 per month out of my personal budget toward…
- Jo
- Coral_Saxophone
- 3 yrs ago
- 5 replies
- 1,007
- Tomato Ink1 yr ago
- Small Business
Using YNAB budget for both Personal & Business?
So I have one YNAB Budget for both our business and personal - anyone else going this? If so, any tips on how to best organize categories, groups, etc?…
- Turquoise Hail
- Turquoise_Hail.4
- 1 yr ago
- 11 replies
- 768
- 2
- SDSwmr1 yr ago
- Small Business
Is it worth to have a second budget when my business is still in its early days?
Hi, I'm quitting my job next week to work as a freelancer. My current employee will be my main client so I'm on rather firm ground. I thought I might need a second budget to log and plan all…
- Salmon Cup
- Salmon_Cup.5
- 1 yr ago
- 11 replies
- 240
- farfromtheusual1 yr ago
- Small Business
PPP Money
Anyone have ideas about how to handle PPP loan money? According to the rules, 75% has to be used for payroll. I'm at a loss as to how to track the money using categories.
- Violet Elk
- Violet_Elk.5
- 1 yr ago
- 4 replies
- 343
- Sky Blue Tugboat1 yr ago
- Small Business
Financial Wellness by YNAB
As YNABers, we know the positive impact of a budget on reducing money stress. Did you know the #1 cause of employee stress is personal finances? For businesses,…
- NicoleYNAB Support
- Support Manager
- nicole_ynab
- 1 yr ago
- 8 replies
- 233
- NicoleYNAB Support1 yr ago
- Small Business
Canada COVID19 wage subsidy for employers
I am just writing this in case there are any Canadian business owners (or influencers) on here. The application for the Canada Employment Wage Subsidy (CEWS) is launching on Monday April 27.…
- MXMOM
- MXMOM
- 1 yr ago
- 1 reply
- 147
- MXMOM1 yr ago
- Small Business
Advice for Volatile Cashflow Salary/Draws using Biz and Personal Budgets
Hello all! I own a small business. I'm using YNAB for personal (Still learning), and I've now set up a separate YNAB business budget. I have questions that are both 'philosophical' and 'how-to-YNAB.…
- Ivory Cheetah
- Ivory_Cheetah.8
- 1 yr ago
- 6 replies
- 170
- Alice Blue Yeti1 yr ago
- Small Business
Extend Trial
I need an additional 60 days on my trial to make sure it is all going to work with my work and expense accounts. So far it it looking good but I am running dual systems right now and need more time.
- Hot Pink Wizard
- Hot_Pink_Wizard.8
- 1 yr ago
- 4 replies
- 345
- NicoleYNAB Support1 yr ago
- Small Business
Rule #1 with a Business Account
I'm a freelance web developer and have 2 budgets set up in YNAB; Family and Business. My business account is strictly business and at the moment is pretty small with 3 Immediate Obligations and 4…
- Lawrence
- lawrence
- 2 yrs ago
- 6 replies
- 431
- FanessYNAB Team1 yr ago
- Small Business
Apps that track financial goals?
Hi! Does anyone use an app or spreadsheet that's good for visualizing your financial goals per quarter or year? I'm looking for something like what Cushion app does - https://cushionapp.com/ ...…
- Annie
- Creative
- headexplodie
- 1 yr ago
- 1 reply
- 99
- MatthewYNAB Support1 yr ago
- Small Business
Creating separate budgets for personal and business
I've been using YNAB for a while but to be honest I've been really bad about looking at the budget instead of the account balances. I'm thinking about making a clean break and starting my budget…
- Jeff Altman
- Jeffycupcake
- 2 yrs ago
- 22 replies
- 924
- farfromtheusual2 yrs ago
- Small Business

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