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Paid off a ton of debt- now what
I just paid off 9 of our 10 credit cards, and closed 5 credit card accounts. Next step is to pay off a consolidation loan. In the amount of change made and all the closed accounts,…
- Erica Edwards
- Real Estate Murfreesboro, TN
- Green_Captain
- 3 days ago
- 10 replies
- 117
- 1
- TheTabby10 hrs ago
- YNAB Wins
I finally (FINALLY) have a real buffer. Now... how do I safeguard it?
I've been using YNAB for years, from the spreadsheet days. A couple of times, we just edged into buffer territory, but both times we managed it, a small crisis or a bad day at the office knocked us…
- Dave
- Budgeteer
- HappyDave
- 4 days ago
- 14 replies
- 138
- TheTabby10 hrs ago
- YNAB Wins
What did you do to improve your finances today?
This was one of my favourite threads on the old forum, and since there doesn't seem to be one here yet, I thought I'd create one :-)
- Winterlover
- Welmoed
- 1 mth ago
- 124 replies
- 887
- 11
- Frugalflamesfan13 hrs ago
- YNAB Wins
YNAB Wins at 2 weeks
When I first put in my income and transactions I had $300 to put toward future expenses. It scared me. What am I missing? Just got my second pay check and put that in to YNAB.…
- Forest Green Saxophone
- Forest_Green_Saxophone.1
- 13 hrs ago
- 13
- 1
- YNAB Wins
Long term wins and successful transition to nYNAB
After several tries over several years, I've successfully migrated to nYNAB. Why not just do a Fresh Start? Thanks to YNAB I've gone from one month's income of credit card debit to 8 months' income…
- Alice Blue Piccolo
- Alice_Blue_Piccolo.1
- 6 days ago
- 2 replies
- 59
- 2
- Alice Blue Piccolo5 days ago
- YNAB Wins
YNAB helped fuel my win
I was a Stay-at-home parent who divorced an abusive (& narcissistic) spouse after being married for a decade. Actually, I was legally separated for a year and then decided I was done playing nice --…
- BlueJhay
- Bluejhay
- 9 days ago
- 2 replies
- 62
- 5
- Dazed5 days ago
- YNAB Wins
My 1 month anniversary
YNAB-er for 1 month now. Paid my bills with ease knowing all the money was all ready to go because I gave each $ from the last paycheck a job. Money aged to 28 days.…
- Aquamarine Captain
- Aquamarine_Captain
- 11 days ago
- 4 replies
- 85
- 1
- Orange Wildcat8 days ago
- YNAB Wins
2nd week on YNAB
On our 2nd week of nYNAB and we are dropping accounts like crazy. 7 checking accounts have been dropped to $0 and all we have to do now is call the bank and close them.…
- Keith & Kittery Barrows
- Adventure & Tranquility
- bluekies
- 3 wk ago
- 7 replies
- 154
- 3
- Keith & Kittery Barrows9 days ago
- YNAB Wins
using for a week some big and small wins
I've been using YNAB for a week -- a bit of a learning curve. Love the workshops! We decided to pay off all our debt and are starting with a clean slate.…
- NewYNABer BostonGirl
- Cyan_Viper.1
- 2 mths ago
- 13 replies
- 374
- 6
- Cyan Transistor10 days ago
- YNAB Wins
Turned the shame into a game
One week and we are transformed. My husband and I have kept meticulous records of our spending for 20 years and have developed a pattern of watching climbing credit card balances then paying them off…
- Tan Moose
- Tan_Moose.2
- 4 wk ago
- 3 replies
- 139
- 6
- Leahbergsma11 days ago
- YNAB Wins
Raspberries, how I love you! Farm Box!
So happy to report that in less than 2 months I saved up nearly $600 to buy our Community Supported Agriculture Farm Box outright by the first of April,…
- Navy Blue Unicorn
- Science is real.
- Navy_Blue_Unicorn_6d071
- 1 mth ago
- 3 replies
- 136
- 6
- FanessYNAB Support11 days ago
- YNAB Wins
Filed tax return report, with pleasure! And other wins of the first two weeks
For the first time tax things are exciting. Previously I would just dismiss everything and not even look at the papers, leaving everything as default. But this time I actually did some reading,…
- Orchid Cup
- Artistic Programmer
- Orchid_Cup
- 12 days ago
- 2 replies
- 32
- 1
- FanessYNAB Support11 days ago
- YNAB Wins
6 months of YNAB...
...and I'm no longer paycheck to paycheck! Not only that, but I have more than $5,500 in SAVINGS categories (that doesn't count the $3,000 or so dollars assigned to true and immediate expenses).…
- starlady09
- starlady09
- 12 days ago
- 3 replies
- 66
- 5
- FanessYNAB Support11 days ago
- YNAB Wins
Pushed $11k towards paying off my debt (of close to $50k)!
Today I paid $11k of student loans in one go. It was not as scary as it would have been without ynab. In fact, without ynab, I probably wouldn't have done it at all.…
- Blue
- BlueCrab
- 13 days ago
- 2 replies
- 43
- 2
- Blue12 days ago
- YNAB Wins
Saved my first $500!!! 2 weeks in!
I’ve been on YNAB for 2 weeks now, and I’ve saved my first $500 in the BANK, what a victory!! I haven’t saved anything in years and have been constantly living paycheck to paycheck.…
- Silicon Valley babe
- Stashing cash and still living the dream
- Maroon_Sidewinder
- 2 wk ago
- 5 replies
- 96
- 8
- Silicon Valley babe13 days ago
- YNAB Wins
Just paid off my credit card
First post, but it's a good one. Thanks to YNAB, a decent bonus from work, and really thinking about the job I wanted those pounds to do, today I paid off a credit card which had a £4,…
- Rosamundi
- Rosamundi
- 2 wk ago
- 2 replies
- 87
- 4
- TryingToGetAhead2 wk ago
- YNAB Wins
Credit Score
YNAB has given me the courage to check my credit score. I had been avoiding even looking at it for probably 2 years at least. It is still not great (676 or 711 depending who is reporting to me) but…
- Purple Hail
- ynot?
- Purple_Hail.2
- 3 wk ago
- 12 replies
- 152
- 4
- HappyDance2 wk ago
- YNAB Wins
First week kn YNAB
I paid last month’s rent on a new place and still miraculously had enough to buy groceries. I may need to borrow $300 to pay some bills in the meantime but in the past I’d be borrowing the full…
- em
- I will be rich!
- em_1
- 3 wk ago
- 2 replies
- 111
- 1
- em3 wk ago
- YNAB Wins
Farewell, YNAB4
As of this morning, I finally uninstalled YNAB4 from the last computer on which I was running it. Since the launch of nYNAB, I have tried to go back to YNAB4 several times,…
- briefcase
- A rack of ties, a travel mug, telephone, briefcase filled with papers
- briefcase
- 3 wk ago
- 2 replies
- 147
- 5
- 2dogs2cats3 wk ago
- YNAB Wins
Age of Money
Rule Four teaches us to "age our money". This is, for me, the most powerful concept YNAB has taught me over the years. Achieving an age greater than fourteen-ish days was something I never saw before…
- Michael
- I desire to inspire.
- thepawnwithaplan
- 4 mths ago
- 41 replies
- 2299
- 20
- Keith & Kittery Barrows3 wk ago
- YNAB Wins
Went for Simplicity
I’ve been on YNAB for about a week now. It was a big move for me but, as recommended by YNAB, I closed all my savings accounts and folded them all into my main checking account.…
- Beige Banjo
- Sailor of topographic oceans
- Beige_Banjo.1
- 4 wk ago
- 4 replies
- 183
- 10
- Jen from Zen3 wk ago
- YNAB Wins
Restart YNAB Budget
I have been a YNABer for 34 days and just purchased the app. I redid my budget and have set up a "Compassion" & "Bulk Purchase" categories as suggested - because of YNAB I have been able to save…
- Cadet Blue Screwdiver
- Cadet_Blue_Screwdiver
- 1 mth ago
- 4 replies
- 163
- 4
- Yertle3 wk ago
- YNAB Wins
Unexpected expenses
Greetings! We started YNAB at the first of the year and immediately latched on to the concept of budgeting, though some of the ideas took a bit to understand (aging money...what?!?).…
- Zambo
- zambo
- 3 wk ago
- 2 replies
- 97
- 3
- Zambo3 wk ago
- YNAB Wins
I Currently Have $4000 in my Emergency Fund!
Hi everyone! I have a small YNAB win to share. Today I officially saved $4000 in my emergency fund. I have never saved so much money on my own as an adult and I admit it was a combination of…
- Kate
- Happy Technical Writer
- sweet_sunshine
- 1 mth ago
- 4 replies
- 162
- 9
- Kate3 wk ago
- YNAB Wins
End of Week 1...Wow!
As a newbie, I was surprised that Rule 1 sunk in by day 3. I spent many years avoiding budgeting and boy this seemed easy right away. Today, at the end of week 1,…
- Aquamarine Captain
- Aquamarine_Captain
- 1 mth ago
- 1 reply
- 136
- 4
- Beige Banjo4 wk ago
- YNAB Wins

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