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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

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