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Maintaining your Buffer: Usable Solution?
I was (and still am) a big fan of the Buffer as used in YNAB4. AOM just doesn’t give me any useful information. Also, I hate the fact that you can accidentally still from your future funds.…
- JollyB
- jollyb
- 3 yrs ago
- 6 replies
- 2,026
- Magenta Griffin (18628981f0ee)3 yrs ago
- Tips & Tricks
Tracking goals against home loan
Hi Everyone Happy new year! I am now free of cc debt (yay) and have a 1-2 month buffer (double yay!), which I continue to build up. However, I would now like to start directing some of my savings…
- Slate Blue Thunder
- Slate_Blue_Thunder
- 3 yrs ago
- 297
- Tips & Tricks
Deleting old versions
I've been using YNAB for a number of years and have now had 3 years in a row where it's balanced against reality within £20, I'm happy! Each new year I delete all the previous transactions,…
- Navy Blue Cyborg
- Navy_Blue_Cyborg
- 3 yrs ago
- 7 replies
- 1,970
- Navy Blue Cyborg3 yrs ago
- Tips & Tricks
- Answered
- Answered
Xmas - How do you budget?
I've always had just a xmas line in YNAB and saved $50/mo. Then when it comes to this time of year, I either write a list down or create a google spreadsheet to track who I'm buying for and how much…
- Ryan Oakley
- Side-Hustler
- oakley
- 3 yrs ago
- 9 replies
- 1,823
- iwaddo3 yrs ago
- Tips & Tricks
Fresh Start Surprise
I decided to try making a "fresh start" for the new year and I ended up with a strange thing. When I finished budgeting the big pile o' money, I had a bunch left over in the to be budgeted category,…
- Wendy
- wendy
- 3 yrs ago
- 3 replies
- 1,543
- Wendy3 yrs ago
- Tips & Tricks
On The Right of the Reports Page, Also Show Debt & Asset Progress
I have some development and QA experience and noticed an opportunity for enhancing the reports > net worth page. It also has the potential of boosting a users motivation and psychology to continue…
- Purple Hammerhead
- Purple_Hammerhead
- 3 yrs ago
- 672
- 2
- Tips & Tricks
How do you know which account to pay your Credit Card from?
I've seen it written many times that YNAB doesn't care where the money is (which account), but only that you've allocated it to a category. However, I feel like there's a critical point at which I…
- Jen Trumbore
- Sometimes I get it, Sometimes not...
- Alice_Blue_Clarinet
- 3 yrs ago
- 7 replies
- 1,627
- 1
- jenmas3 yrs ago
- Tips & Tricks
New Year Is It A Time for A New Budget?
Good morning all, I have been listening to the podcasts as I clean and work on my projects. Jesse in #154 talks about resetting/reviewing the budget for the new year.…
- Ruff16965 (05bd62cee897)
- Tomato_Mask_05bd62cee89
- 3 yrs ago
- 11 replies
- 2,252
- 2
- aurical3 yrs ago
- Tips & Tricks
Emergency Vs. Something That Could Be Planned For
Good afternoon all, I have been listening to the past podcasts and retaking the How To Classes, I always find something new or a different way of looking or thinking about something.…
- Ruff16965 (05bd62cee897)
- Tomato_Mask_05bd62cee89
- 3 yrs ago
- 8 replies
- 1,251
- kayjenx3 yrs ago
- Tips & Tricks
Advice for New YNABers Video!
Hey, everybody! I'm BenB, Community Manager at YNAB! I wanted to ask you guys for some help! In January, we get a TON of new folks trying YNAB, and we'd love to put together a little video to…
- BenBYNAB Team
- Community Manager
- benb_YNAB
- 3 yrs ago
- 7 replies
- 2,325
- 3
- latiajacquise3 yrs ago
- Tips & Tricks
Reminder: Advice for New YNABers Video!
Hey, everybody! I wanted to send a reminder about this post from about a week ago: https://support.youneedabudget.com/t/801fb5 We are still looking for videos,…
- BenBYNAB Team
- Community Manager
- benb_YNAB
- 3 yrs ago
- 596
- Tips & Tricks
How can I budget for something I'm getting repaid for?
I'm a student with a research fund which will be paid back in the next few months--but only after I've purchased things and showed the receipts to Finances.…
- Powder Blue Stallion (8a6385afea8c)
- Powder_Blue_Stallion_8a
- 3 yrs ago
- 1 reply
- 1,392
- HappyDance3 yrs ago
- Tips & Tricks
Capital One 360 user
I have been using Capital One 360 for years. I have 20 separate accounts and have been moving money from one to the other every month, such as from Pet Expenses to Visa.…
- Magenta Ink (b04bb2cef5c4)
- Magenta_Ink_b04bb2cef5c
- 3 yrs ago
- 14 replies
- 2,061
- 1
- Jen3 yrs ago
- Tips & Tricks
What Is The Best Way to Transition from Monthly to Semi or Annual Payments?
Afternoon fellow YNABer's, I was wondering if anyone had any thoughts on how to best make a switch from making monthly payments to making either Semi or Annual payments for things like my car…
- Ruff16965 (05bd62cee897)
- Tomato_Mask_05bd62cee89
- 3 yrs ago
- 10 replies
- 1,268
- huskies4all3 yrs ago
- Tips & Tricks
Surrender to the Habit of YNAB
Hello all, I've been using YNAB for 18 months now, and my financial adviser, whom I really couldn't even afford back then (he did it for free for me), has expressed great surprise in how my finances…
- Lavender Moonbeam (459807f8a598)
- Lavender_Moonbeam_45980
- 3 yrs ago
- 11 replies
- 2,354
- 22
- ynaber26133 yrs ago
- Tips & Tricks
THANK YOU FOR DEC 6th 2017 UPDATE!
🏅💯👍👏😀 Oh happy day! Creating categories on the fly has been a long time coming - so excited it is functional! Thank you. https://www.youneedabudget.…
- AMS
- YNAB-ing since YNAB 3.
- Ams
- 3 yrs ago
- 1 reply
- 1,752
- 2
- Rihannsu3 yrs ago
- Tips & Tricks
When to start a new budget?
Hi all, I'm a newbie to YNAB (think: 4 days in!) and wanted to get my budget all set up for when I get paid on December 15. I put all my expenses in and then put a scheduled date for when my pay…
- Katie H
- dangerously_in_debt
- 3 yrs ago
- 1 reply
- 1,169
- nolesrule3 yrs ago
- Tips & Tricks
Prepaid or debit cards for accounts?
Hey guys, I'm just now diving into YNAB and getting smarter about my money/changing my habits. I've set a budget for 3 major categories: food, entertainment and transportation.…
- Purple Wildebeest (931c7bb4999b)
- Purple_Wildebeest_931c7
- 3 yrs ago
- 9 replies
- 1,700
- KAP's grandma3 yrs ago
- Tips & Tricks
Keeping a cash cushion
I was wondering if there is a "best practice" way to keep a cash cushion amount of money in YNAB. For my day to day life, in my checking I like to think of something like $2000 as my $0.…
- Jared
- sabostiff
- 3 yrs ago
- 3 replies
- 1,536
- 1
- jenmas3 yrs ago
- Tips & Tricks
Lingering Credit Card Debt
I opened a credit card when I was in college. I'm pretty sure I didn't get a t-shirt for that deal - I was careful to compare interest rates and perks before signing up.…
- Khaki Keyboard (6dd34087c2a7)
- Khaki_Keyboard_6dd34087
- 3 yrs ago
- 1 reply
- 1,518
- 3
- Jen3 yrs ago
- Tips & Tricks
Black Friday looming, share your budget or saving tips and tricks!
Black Friday is just around the corner, or some have already seen sales start already. Among the confusion with all the sales locally in stores, we are constantly bombarded with sales ads about…
- Tiffany
- Software Engineer
- Lavender_Moose_fa49b7d9
- 3 yrs ago
- 6 replies
- 1,561
- 2
- Ruff16965 (05bd62cee897)3 yrs ago
- Tips & Tricks
The Power of the Monthly Funding Goal
. New YNABber and new budgeter here. I was having a hard time meshing YNAB's budget-what-you-have approach with my old-school training of entering the full forecasted amount for each month,…
- Forest Green Guitar (09d39a7ed921)
- Drowning in debt, but learning to swim
- Forest_Green_Guitar_09d
- 3 yrs ago
- 8 replies
- 5,120
- 7
- Violet Drill3 yrs ago
- Tips & Tricks
Overspender surrounded by overspenders
I'm new to budgeting this year. I spend too much. My family spends too much. I notice that when we run out of money or if I won't tap into savings to keep the spending going everyone gets angry and…
- Purple Cartridge (530525dedf04)
- Purple_Cartridge_530525
- 3 yrs ago
- 8 replies
- 2,441
- 2
- J. Diamond/Green Harp3 yrs ago
- Tips & Tricks
Would love some tricks people use for reimbursements...
We have several trips per year that get reimbursed after the fact (usually several months later for airline tickets, several weeks for hotels). We have enough flex to use our vacation budget and…
- Blue Chef (cbb3f4fec3f7)
- Blue_Chef_cbb3f4fec3f7
- 3 yrs ago
- 5 replies
- 1,330
- zita3 yrs ago
- Tips & Tricks
New to YNAB
So i am very new to YNAB. Just downloaded yesterday from a recommendation from my cousin. She loves it, and we are all pretty into the dave ramsey debt snowball ideas, so strong financial goals.…
- Gray Drum (1d39fb44f280)
- Gray_Drum_1d39fb44f280
- 3 yrs ago
- 10 replies
- 1,414
- 2
- Matt3 yrs ago
- Tips & Tricks

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