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Student loans: refinanced!
Just refinanced my student loans through Earnest. I was able to keep the same pay-off date that I had through SoFi, lower my monthly payment by $40, and will save $5500 in interest over the course…
- ClimbingOutOfDebt
- I think I can I think I can
- ClimbingOutOfdebt
- 3 yrs ago
- 8 replies
- 1,427
- ClimbingOutOfDebt3 yrs ago
- YNAB Wins
Thank you
Not a question, just a comment. I've made lots of spending errors over the last ten years and most of those decisions have probably prevented us from being in a position to buy a house by now.…
- Purple Mermaid
- Purple_Mermaid
- 3 yrs ago
- 2 replies
- 484
- 8
- FanessYNAB Team3 yrs ago
- YNAB Wins
Messed up my taxes, but Rule 3!
thanks to a bunch of lovely, convoluted laws (thanks, Murica), I didn't properly understand the huge adverse effect taking a capital gain on our car settlement last year would have on our taxes.…
- slightlysmall
- slightlysmall
- 3 yrs ago
- 1 reply
- 1,257
- 4
- BenBYNAB Team3 yrs ago
- YNAB Wins
SO CLOSE TO 30 DAYS!
- wag_2013
- wag_2013
- 3 yrs ago
- 1 reply
- 875
- 3
- Navy Blue Unicorn3 yrs ago
- YNAB Wins
Hit my goal 7 months early!!
YNAB win!! We’d been using YNAB for a couple of months when I realized - thanks to paying more attention to our finances overall - that we were paying $75/mo PMI.…
- robinhbl
- robinhbl
- 3 yrs ago
- 3 replies
- 1,611
- 15
- Navy Blue Unicorn3 yrs ago
- YNAB Wins
Paid a big bill that I was actually prepared to pay
I just wrote a check for $585 for home repairs against money that I had put in that category for that purpose. This has never, ever happened before. I want to do a little dance (even though now I…
- ClimbingOutOfDebt
- I think I can I think I can
- ClimbingOutOfdebt
- 3 yrs ago
- 2 replies
- 1,092
- 9
- Navy Blue Unicorn3 yrs ago
- YNAB Wins
Newbie Wins of the budgeting challenged
Hey all, I just started budgeting and using YNAB in October of this year. It's payday tomorrow, and not only have I doubled the age of my money (started at 4 days, now at 8 days),…
- Forest Green Guitar (09d39a7ed921)
- Drowning in debt, but learning to swim
- Forest_Green_Guitar_09d
- 3 yrs ago
- 2 replies
- 965
- 6
- Navy Blue Unicorn3 yrs ago
- YNAB Wins
Paid off first credit card!
This is a small win, but I'm fairly new to YNAB and it's my first financial victory. I paid off my first credit card, the one with the highest interest! And I did it while budgeting to move,…
- Beige Colt (1e9d5dafa6eb)
- Beige_Colt_1e9d5dafa6eb
- 3 yrs ago
- 10 replies
- 1,320
- 11
- Navy Blue Unicorn3 yrs ago
- YNAB Wins
Thanks to YNAB...
I tried for many years to get a handle on our finances and just couldn't get it. Thanks to a friend that told me about YNAB we got it all under control.…
- I_NAB
- I_NAB
- 3 yrs ago
- 4 replies
- 1,873
- 4
- MyCupOfTea3 yrs ago
- YNAB Wins
Age of money win!
We started our YNAB journey in overdraft. We were really struggling to get ahead at all, so we choose last week to take out a term loan to help us just get a little above water.…
- eloquentz
- Numbers Wizard (Accountant), Acoustic Artist (Musician) and Jill of all Trades (Wife & Mother)
- eloquentz
- 3 yrs ago
- 3 replies
- 1,227
- 12
- MsTJ3 yrs ago
- YNAB Wins
YNAB YARTB!!!
Okay you acronym gurus!!! YNAB = You Need a Budget and YARTB = You are the Best!!! Since I have been using YNAB I have completely rerouted my spending habits.…
- Cadet Blue Screwdiver
- Cadet_Blue_Screwdiver
- 3 yrs ago
- 4 replies
- 791
- 5
- Navy Blue Unicorn3 yrs ago
- YNAB Wins
How old is your money?
I have two Budgets in YNAB: 1. My biz one: 125 days 2. Personal one: 95 days :-)
- Winterlover
- Welmoed
- 3 yrs ago
- 1 reply
- 402
- 1
- Navy Blue Unicorn3 yrs ago
- YNAB Wins
The power of Knowledge makes all the difference!!
I've been YNAB'ing for almost a month now, and all ready I've reach some incredible knowledge about my spending habits, some fantastic insight on how to master impulse buying and the most important…
- YNAB noobie
- I can tackle anything!!
- Maroon_Cleric
- 3 yrs ago
- 1 reply
- 595
- 5
- JanelleYNAB Team3 yrs ago
- YNAB Wins
Teach a man to fish aka teach a kid to budget
I'm a brand new YNABer with 4 young adult children in various stages of "adulting". None have a budget and most need to borrow "a few bucks" on a regular basis.…
- Andi Miller
- Cadet_Blue_Falcon
- 3 yrs ago
- 1 reply
- 450
- 6
- journeymom3 yrs ago
- YNAB Wins
Rolling with the punches... it hurts sometimes.
So, the holidays have been rough for me. I celebrated the 1-year anniversary of my Dad's death on Christmas Day last year. And, though I am happy that my recovery from my recent gastric bypass…
- rolltide
- Vita, epulum! Famescenti tamen plurimi miseri!
- rolltide
- 3 yrs ago
- 10 replies
- 1,399
- 1
- Navy Blue Unicorn3 yrs ago
- YNAB Wins
Paid off student loan & all credit card debt...
We started YNAB right after our wedding in October. We wanted to begin our marriage with a healthy relationship with our finances. Our first financial goal is to get rid of all debt with the…
- Bethany
- Cyan_Orca_d15887a8efff
- 3 yrs ago
- 4 replies
- 1,344
- 5
- Orchid Mantis3 yrs ago
- YNAB Wins
Paid off my mortgage today!
I received my end-of-year bonus today and immediately went to the bank and paid off the remainder of the mortgage (a little over $3000). It was a 10 year loan (refinanced in 2012 from a 30 year) and…
- Whereforart
- Mostly traveled.
- whereforart
- 3 yrs ago
- 15 replies
- 2,134
- 9
- Heather3 yrs ago
- YNAB Wins
I paid off my mortgage!
We paid off our house last month! Rather than paying a monthly mortgage amount, we put $250 towards the house each week (my husband gets paid weekly.) Now I'm doing the same thing to a home equity…
- Coral Lobster (3825ba7ad992)
- Coral_Lobster_3825ba7ad
- 3 yrs ago
- 12 replies
- 2,703
- 25
- Coral Lobster (3825ba7ad992)3 yrs ago
- YNAB Wins
My secret to budgeting fitness goals!
Since starting YNAB two months ago, I began searching for ways to cut costs on my "must-haves", one of them being Fitness. Working out is important to me, and after recovering from a severe injury,…
- g.359
- Gold_Boa_675fa61a67a7
- 3 yrs ago
- 4 replies
- 1,792
- g.3593 yrs ago
- YNAB Wins
No more credit card debt!!!!
My wife and I have successfully paid off all of our credit card debt! The only thing we have left is a car loan that we are aggressively paying down, while balancing building up a house fund.…
- BudgetPenguin
- Budgetpenguin
- 3 yrs ago
- 6 replies
- 1,179
- 4
- BudgetPenguin3 yrs ago
- YNAB Wins
The long road of student loans...
For the first time since 2010, one of my student loans is below the original amount I borrowed!! Bit by bit!!
- surfgrrl
- surfgrrl
- 3 yrs ago
- 1 reply
- 689
- 5
- Jen3 yrs ago
- YNAB Wins
Credit Score
Just got an updated credit score from my bank and I'm in the EXCELLENT range! This is entirely thanks to YNAB!!
- Silver Hail (49c230c6290e)
- Silver_Hail_49c230c6290
- 3 yrs ago
- 3 replies
- 901
- 2
- Jen3 yrs ago
- YNAB Wins
Reviewing 2017 Financial Goals
My husband and I had two major financial goals this year: pay off all our debt, and max out one retirement account that we've been contributing to but not maxing out with serious debt repayment.…
- lthompson
- Green_Cornet_ca3a38e58e
- 3 yrs ago
- 2 replies
- 2,524
- 16
- Optimist3 yrs ago
- YNAB Wins
A Truck Accident
Morning all, I had an accident this morning, busy street in the dark a group of teens run across the road, I hit the center divider to avoid them. I shredded the driver's side tires,…
- Ruff16965 (05bd62cee897)
- Tomato_Mask_05bd62cee89
- 3 yrs ago
- 4 replies
- 1,237
- 18
- HappyDance3 yrs ago
- YNAB Wins
Emergency Fund is a Must Have
Once my spouse & I set aside a hundred “for emergency only” and built it up to $1000, life is more relaxing. We hit our goal of $1K and the next month our car broke down on a trip to see family.…
- Magenta Unicorn (495d54973822)
- Magenta_Unicorn_495d549
- 3 yrs ago
- 6 replies
- 2,482
- 10
- Magic Penny3 yrs ago
- YNAB Wins

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