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Re: Over-estimating Goals vs. Inflow I think when looking at your numbers most people will see that your gifts and immediate jump out. But your values are yours as another person said. Maybe you’re giving 10 percent to your church each…
- King
- Obsidiank
- 6 mths ago
- 2
- Managing Debt
- Reported - view
Re: Budget monthly instead of as you go YNAB is somewhat geared towards moving from paycheck to paycheck to building capital. For some who have a lot of money it might not make sense what the budgeting time interval may be.…
- King
- Obsidiank
- 6 mths ago
- Method & Budgeting
- Reported - view
Re: Why are Budget Category and Balance not the same for Credit Cards. Another thing that throws it off is the timing of returns and payments. One of those timing scenarios results in an increase to TBB and lots of folks don’t notice and don’t allocate those funds back…
- King
- Obsidiank
- 6 mths ago
- Credit Cards
- Reported - view
Re: Large Medical Expense: Pay it off completely or take the interest free payment plan? free money is free money. I would take it.
- King
- Obsidiank
- 1 yr ago
- Managing Debt
- Reported - view
Re: Credit cards inconsistency?? Don't understand did you accidentally transfer money our of your CC to somewhere else?
- King
- Obsidiank
- 1 yr ago
- Credit Cards
- Reported - view
Re: How to pay down orange $8 overpayment alert? @nolesrule is correct. When the bank did the $8 transfer from CC to Checking, $8 would have been added to TBB. It would have been seen as a cash advance. 1.…
- King
- Obsidiank
- 1 yr ago
- 1
- Credit Cards
- Reported - view
Re: How to pay down orange $8 overpayment alert? the payment is cash to card. The overspend is in your budget category. Put $8 into the budget line for the category.
- King
- Obsidiank
- 1 yr ago
- Credit Cards
- Reported - view
Re: New! Confusion re: TBB, overspending in categories, and syncing of accounts what's the category on those automatic payments? Is it TBB? that would explain why it went to red. What were those payments for?
- King
- Obsidiank
- 1 yr ago
- 1
- Method & Budgeting
- Reported - view
Re: Incorrect Negative Credit Card Payment I also suspect your transfer out to Mommy & Daddy might have something to do with it. Transfer outs from CC like cash advances sometimes does weird things
- King
- Obsidiank
- 1 yr ago
- Credit Cards
- Reported - view
Re: Incorrect Negative Credit Card Payment without seeing your whole transaction history/budget it would be hard to tell. However, that's the most likely scenario, that you spent in a category you didn't budget for so the dollars never moved…
- King
- Obsidiank
- 1 yr ago
- Credit Cards
- Reported - view
Re: Incorrect Negative Credit Card Payment did you budget the full amount to you credit card payment category? That negative indicates that you paid the credit card but was short in your budget amount
- King
- Obsidiank
- 1 yr ago
- Credit Cards
- Reported - view
Re: Incorrect Negative Credit Card Payment do you have refunds that came in before/after you made a payment?
- King
- Obsidiank
- 1 yr ago
- Credit Cards
- Reported - view
Re: Splitwise + Credit Cards + YNAB - oh my! this generally has to do with your level of diligence in categorizing because essentially your issue is the reimbursement from the split and true up. Let's say you create budget for Food/Fun/Other,…
- King
- Obsidiank
- 1 yr ago
- Money & Relationships
- Reported - view
Re: Scheduling paychecks? I also do this
- King
- Obsidiank
- 1 yr ago
- 1
- Accounts & Transactions
- Reported - view
Re: Help! Where to put "Fun Money"? I'm going to focus on the philosophical and ask when you say they all feel like equal priorities, does that mean that maybe what you're using to measure priorities isn't very systematic or logical?…
- King
- Obsidiank
- 1 yr ago
- 2
- Saving
- Reported - view
Re: tracking budget "changes" associated with overspend this is a change in the base philosophy of not spending what you don't physically have whereas the old way allows you to anticipate future dollars and spend it now.…
- King
- Obsidiank
- 1 yr ago
- Method & Budgeting
- Reported - view
Re: Handling extra money not budgeting for it kinda defeats the base philosophy of putting every dollar to work. 1. Create Savings Budget category and park the money there 2. Create tracking Savings account and park the…
- King
- Obsidiank
- 1 yr ago
- Accounts & Transactions
- Reported - view
Re: Credit Cards: Budgeted vs Activity vs Available I'm not sure I understand the grocery example. What do you mean by budget is trustworthy. Let's say I spent $75.00 in cash on groceries and $25.00 on my credit card.…
- King
- Obsidiank
- 1 yr ago
- 1
- Credit Cards
- Reported - view
Re: Credit Cards: Budgeted vs Activity vs Available I think you're confusing the budget with transactions. Let's say you don't have $1000. You can't budget $1000 to medicine. You budget $250 to medicine.…
- King
- Obsidiank
- 1 yr ago
- 1
- Credit Cards
- Reported - view
Re: Moving from Mvelopes yes, if you keep budgeting into the category it will keep growing
- King
- Obsidiank
- 1 yr ago
- 2
- Getting Started
- Reported - view
Re: Covering overspending frequently? My girlfriend was budgeting $100 month for uber rides and then after the first month realized she was spending close to $200. She kept that up for close to 3 months until it because crystal clear…
- King
- Obsidiank
- 1 yr ago
- 3
- Method & Budgeting
- Reported - view
Re: Credit Cards: Budgeted vs Activity vs Available @kmount , have you go through some of the learning videos. It sounds to me like this is confusing because you aren't really subscribing to the philosophy and method of YNAB and simply using the tool…
- King
- Obsidiank
- 1 yr ago
- Credit Cards
- Reported - view
CC Refunds, Clear as Mud
I've been trying to wrap my head around this all night. Finally decided to just do a sample budget to see what happens and I think it cleared it up for me. The basic premise is easy.…
- King
- Obsidiank
- 1 yr ago
- 1 reply
- 312
- 3
- Credit Cards
Re: Cash Spending vs Credit Spending @Elena , I think I have this issue too. I've been super diligent about clearing all my categories each month and also I've been paying my credit cards in full for the last year.…
- King
- Obsidiank
- 1 yr ago
- Credit Cards
- Reported - view
Re: Cash Spending vs Credit Spending following
- King
- Obsidiank
- 1 yr ago
- Credit Cards
- Reported - view

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Been budgeting since I was 14. YNAB's method is great!