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Re: YNAB doesn't carry forward negative balances and this screws up everything @Lavender Piranha said: Why bother with budgeting if you have 100% discipline. That's a very silly argument. I have incredible discipline BECAUSE of my budgeting.…
- Slate Blue Banjo
- Slate_Blue_Banjo.11
- 10 mths ago
- Using YNAB
- Reported - view
Re: YNAB doesn't carry forward negative balances and this screws up everything @iwaddo You can go forward with negative amounts. If done carefully. I've been doing it for 9 years. Took me two years to be responsible enough to do it, but it can be done.
- Slate Blue Banjo
- Slate_Blue_Banjo.11
- 10 mths ago
- Using YNAB
- Reported - view
Re: YNAB doesn't carry forward negative balances and this screws up everything @dakinemaui This may not be what she means by having more than enough money. Just an example: Let's say "Chris" has $5k in various sinking funds (categories that hold money from month to month…
- Slate Blue Banjo
- Slate_Blue_Banjo.11
- 10 mths ago
- Using YNAB
- Reported - view
Re: YNAB doesn't carry forward negative balances and this screws up everything @dakinemaui It is not a poor argument, it is merely a different way of handling things. A different philosophy. I have well over $20k buffer. If I overspend on clothing by $50 in a month,…
- Slate Blue Banjo
- Slate_Blue_Banjo.11
- 10 mths ago
- 1
- Using YNAB
- Reported - view
Re: YNAB doesn't carry forward negative balances and this screws up everything @Wiecked erm, no. Because it is about when the transaction hit my CC, not when I pay it.
- Slate Blue Banjo
- Slate_Blue_Banjo.11
- 10 mths ago
- Using YNAB
- Reported - view
Re: YNAB doesn't carry forward negative balances and this screws up everything @nolesrule Not at all precarious when you have a well-thought and proven business model and plan. If I have high confidence that I can borrow $5k on my CC for 2 weeks to buy something that I can…
- Slate Blue Banjo
- Slate_Blue_Banjo.11
- 10 mths ago
- Using YNAB
- Reported - view
Re: YNAB doesn't carry forward negative balances and this screws up everything THIS IS 100% ON-POINT! I do retail arbitrage as a side gig. I sometimes use my credit card to purchase merchandise knowing that I will pay it off and make profit and never pay a finance charge or…
- Slate Blue Banjo
- Slate_Blue_Banjo.11
- 10 mths ago
- Using YNAB
- Reported - view

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