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Re: Bye MS Money - It's been a good ride
@Superbone I’m kicking myself for taking so long.
Walrus 44
Getting the Hang of it
walrus44
5 mths ago
2
YNAB Wins
Reported - view
Bye MS Money - It's been a good ride
I've been using so-called "personal finance software" for years -- decades, actually. Early on, there was Quicken. It had annoying compatibility problems (Mac vs Windows),…
Walrus 44
Getting the Hang of it
walrus44
5 mths ago
8
replies
199
6
YNAB Wins
Re: paying off 0% interest loans
@Herman That's a good point. 2% cash back is a higher return than most "high yield" savings accounts at this point (Ally just dropped their savings APY to 1.1%).
Walrus 44
Getting the Hang of it
walrus44
7 mths ago
1
Dealing with Debt
Reported - view
Re: paying off 0% interest loans
Similar but related question: Would you enter into a 0% financing arrangement for a new purchase for which you'd already budgeted the full amount ahead of time? My itchy debt muscle says no,…
Walrus 44
Getting the Hang of it
walrus44
7 mths ago
Dealing with Debt
Reported - view
Re: Dealing with Scheduled Payments
@Move Light Sound Life I started this thread 8 days into my trial of YNAB. That should tell you that it doesn't take a huge amount of sophistication with the product to see the need for this.
Walrus 44
Getting the Hang of it
walrus44
7 mths ago
3
Setting Up Your Budget
Reported - view
Re: Dealing with Scheduled Payments
@Herman said: YNAB 4 had implemented this exactly the way we are asking them to do it now. I think the primary reason they do not is because it is a significant change to technical design.…
Walrus 44
Getting the Hang of it
walrus44
7 mths ago
Setting Up Your Budget
Reported - view
Re: Dealing with Scheduled Payments
@nolesrule Yes, obviously my description is simplified. You're right, of course, about credit card "categories", but I hardly think of those as categories.…
Walrus 44
Getting the Hang of it
walrus44
7 mths ago
Setting Up Your Budget
Reported - view
Re: Dealing with Scheduled Payments
@Herman Oh, I completely agree with you, and I want the same thing. I'm just saying that making a fundamental change in philosophy like committed transactions with future dates,…
Walrus 44
Getting the Hang of it
walrus44
7 mths ago
Setting Up Your Budget
Reported - view
Re: Dealing with Scheduled Payments
@Herman I can understand why they stick with that decision. Allowing scheduled transactions to affect available balances messes with the concept of "available",…
Walrus 44
Getting the Hang of it
walrus44
7 mths ago
Setting Up Your Budget
Reported - view
Re: USAA Stopped Offering Downloads
Troubling, especially if other banks start to follow their example.
Walrus 44
Getting the Hang of it
walrus44
7 mths ago
Using YNAB
Reported - view
Re: Manual Entry - Will I get tired of it?
@Powder Blue Pony said: zero debt, but no cars in cash? Does that mean no car? I assume it means a car payment. No, it means an old car and no plans to buy a new one.…
Walrus 44
Getting the Hang of it
walrus44
7 mths ago
2
Using YNAB
Reported - view
Re: Manual Entry - Will I get tired of it?
@Superbone I started watching it more attentively when I attempted my last refinance and there was an erroneous report on it, dragging me down into the mid-600s.…
Walrus 44
Getting the Hang of it
walrus44
7 mths ago
2
Using YNAB
Reported - view
Re: Manual Entry - Will I get tired of it?
@Superbone I have had the unpleasant surprise of having credit cards that I stopped using for a while get closed without warning for lack of use. One was the first account I ever opened,…
Walrus 44
Getting the Hang of it
walrus44
7 mths ago
3
Using YNAB
Reported - view
Re: Manual Entry - Will I get tired of it?
@ynaber2613 said: The one thing that helps in using manual entry 100% is trying to simplifying the number of accounts you have. That makes sense. Currently,…
Walrus 44
Getting the Hang of it
walrus44
7 mths ago
1
Using YNAB
Reported - view
Re: Manual Entry - Will I get tired of it?
@dakinemaui I have no objections to file-based imports, and I’m thankful that it works as well in YNAB as it does.
Walrus 44
Getting the Hang of it
walrus44
7 mths ago
1
Using YNAB
Reported - view
Re: Manual Entry - Will I get tired of it?
OK, I guess you've all forced me to reevaluate my idea of obsessed. 🙂 It sounds like manual entry is alive and well, and if I continue to go that route, I won't be outside the YNAB norm.…
Walrus 44
Getting the Hang of it
walrus44
7 mths ago
2
Using YNAB
Reported - view
Re: Manual Entry - Will I get tired of it?
@nolesrule said: Before that I did manual entry in MS Money for 16 years Funny. I've been using MS Money for as long as I can remember, since Money 98, all the way through the sunset edition,…
Walrus 44
Getting the Hang of it
walrus44
7 mths ago
Using YNAB
Reported - view
Re: Manual Entry - Will I get tired of it?
@dakinemaui said: cash flow decisions (where to store your money) are rendered trivial with manual entry via scheduled transactions. Those who enter solely via import are very likely losing out on…
Walrus 44
Getting the Hang of it
walrus44
7 mths ago
Using YNAB
Reported - view
Manual Entry - Will I get tired of it?
Still new to YNAB, and I really like how it works. I haven't (yet) purchased a subscription, because I want to see how the month transition works for me.…
Walrus 44
Getting the Hang of it
walrus44
7 mths ago
30
replies
353
Using YNAB
Answered
Answered
Re: Age of Money and Emergency Fund
@dakinemaui @dakinemaui said: FWIW, AoM is an average of the ages of the last 10 cash transactions. Some of those early transactions were less than 3 days "old",…
Walrus 44
Getting the Hang of it
walrus44
8 mths ago
Setting Up Your Budget
Reported - view
Re: Age of Money and Emergency Fund
@Magenta Camera I can just ignore it. I just (originally) wanted to know if there was a secret way to make it more accurately represent cash flow. It doesn't sound like there is.
Walrus 44
Getting the Hang of it
walrus44
8 mths ago
1
Setting Up Your Budget
Reported - view
Re: Age of Money and Emergency Fund
@nolesrule Not always . I get your point, though, that you find AOM to be of little value. I'm starting to see why.
Walrus 44
Getting the Hang of it
walrus44
8 mths ago
Setting Up Your Budget
Reported - view
Re: Age of Money and Emergency Fund
@Herman Thanks. I appreciate your response. As I mentioned, I'm new here.
Walrus 44
Getting the Hang of it
walrus44
8 mths ago
1
Setting Up Your Budget
Reported - view
Re: Age of Money and Emergency Fund
@Herman So it seems like the AOM figure will be progressively more useless as I save more, both in the emergency fund and for long-term budgeted items.…
Walrus 44
Getting the Hang of it
walrus44
8 mths ago
2
Setting Up Your Budget
Reported - view
Age of Money and Emergency Fund
I just started using YNAB on May 1st, and just got my first notice that the age of my money is a mere 3 days. Clearly, that's bogus, as my initial balance was from 5/1,…
Walrus 44
Getting the Hang of it
walrus44
8 mths ago
14
replies
253
Setting Up Your Budget
Answered
Answered
1
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Walrus 44
walrus44
Getting the Hang of it
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