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Re: Help: Refinance Loans after a COVID layoff? I don't know much about them but have you tried SoFi (.com). I have heard good things about their rates. They originally just did student loans but I believe they've branched out to everything.
- Superbone
- YNAB convert since 2008
- Superbone
- 1 mth ago
- 1
- Dealing with Debt
- Reported - view
Re: Forced update of tracking accounts @Mr. Christopher The bottom line is it's not worth using DI with investment accounts in YNAB. It just doesn't work. I just do a market changes adjustment once per month.
- Superbone
- YNAB convert since 2008
- Superbone
- 1 mth ago
- 2
- Using YNAB
- Reported - view
Re: Do I have a Problem? You are totally normal in that regard. However, you are now on the path to financial freedom.
- Superbone
- YNAB convert since 2008
- Superbone
- 1 mth ago
- 2
- Using YNAB
- Reported - view
Re: Coming Soon: Reconciliation on iOS @Bruce Heh. Good to know. Will turn it on! Apparently the toolkit is driving some YNAB features.
- Superbone
- YNAB convert since 2008
- Superbone
- 1 mth ago
- 2
- Announcements
- Reported - view
Re: Coming Soon: Reconciliation on iOS @Hannah M-M Hey! I want confetti on the web version too where I do most of my reconciling. Not fair! 🤨 "No confetti for you!"
- Superbone
- YNAB convert since 2008
- Superbone
- 1 mth ago
- Announcements
- Reported - view
Re: Credit card payments @Hot Pink Yeti It has been a feature since the beginning of this web-based incarnation of YNAB. There is an undocumented way to "turn it off." By converting your credit card accounts to checking…
- Superbone
- YNAB convert since 2008
- Superbone
- 1 mth ago
- Credit Cards & Debt
- Reported - view
Re: zero out prior month overspending If you’re trying to restart, maybe try a Fresh Start. It’s available from the main menu.
- Superbone
- YNAB convert since 2008
- Superbone
- 1 mth ago
- 1
- Using YNAB
- Reported - view
Re: Best Brokerage to open IRA to roll over wife's 403(b) I don't think you can go wrong with any of the brokerages nolesrule mentioned. I've had Vanguard for years and they've been great. You're probably talking about Vanguard's VTSAX,…
- Superbone
- YNAB convert since 2008
- Superbone
- 1 mth ago
- 2
- Saving & Investing
- Reported - view
Re: Transferring from one account to another, real life delay not able to reflect in YNAB? @Move Light Sound Life said: I mean, I know you're far from going negative, but surely you can imagine the scenario where Account A has $5000, then some near future payments of $6000,…
- Superbone
- YNAB convert since 2008
- Superbone
- 1 mth ago
- 3
- Using YNAB
- Reported - view
Re: Transferring from one account to another, real life delay not able to reflect in YNAB? This whole discussion comes down to one thing: the cleared balance. That’s it. That’s the amount you can trust. End of story. The real life delay is absolutely reflected in YNAB.…
- Superbone
- YNAB convert since 2008
- Superbone
- 1 mth ago
- 3
- Using YNAB
- Reported - view
Re: YNAB doesn't carry forward negative balances and this screws up everything @nolesrule said: YNAB is designing software to follow a method. Not allow 100% of people to budget however they want. There is other software out there that doesn't have those limitations. This.…
- Superbone
- YNAB convert since 2008
- Superbone
- 1 mth ago
- 2
- Using YNAB
- Reported - view
Re: CC Payment and Balance different @Sky Blue Camera said: In YNAB: Visa Card Balance shows: -818.35 Payment category (top right) shows: 1075.33 a positive difference of $256.98 This is not right. You need to fix that.…
- Superbone
- YNAB convert since 2008
- Superbone
- 1 mth ago
- Credit Cards & Debt
- Reported - view
Re: Finally had enough Oh, boy, are you using the wrong tool. YNAB is the best budgeting tool on the planet but if you're not using it for budgeting and only account management, there are SO many better tools out there.…
- Superbone
- YNAB convert since 2008
- Superbone
- 1 mth ago
- 4
- Using YNAB
- Reported - view
Re: "Emergency fund" versus budgeting ahead? Buffer category? @Slate Blue Pilot (2903ac015cdb) I’ve been living on last month’s income for about 8 years now. But it took me quite a while to get a month ahead before I could start.…
- Superbone
- YNAB convert since 2008
- Superbone
- 1 mth ago
- 1
- Setting Up Your Budget
- Reported - view
Re: drawing down account, (entering transactions manually) @Coral Jackal Of course! Give it some trial and error and keep asking questions until it makes sense to you. And welcome!
- Superbone
- YNAB convert since 2008
- Superbone
- 1 mth ago
- Setting Up Your Budget
- Reported - view
Re: drawing down account, (entering transactions manually) @Coral Jackal Yes, if you don’t spend it or move it to another category, it remains in the category from month to month. For your example, you’d put $79k in Draw Down and distribute the remaining…
- Superbone
- YNAB convert since 2008
- Superbone
- 1 mth ago
- 3
- Setting Up Your Budget
- Reported - view
Re: drawing down account, (entering transactions manually) YNAB is all about categories. You split up your funds the way you plan to spend them OR save them. Make a Draw Down category for the funds you intended to draw from over time.…
- Superbone
- YNAB convert since 2008
- Superbone
- 1 mth ago
- 2
- Setting Up Your Budget
- Reported - view
Re: Multiple bank accounts Yeah, the only purpose for extra accounts in YNAB is to make interest on longer term savings. YNAB categories determine what your funds are for, both spending and saving. Not accounts.…
- Superbone
- YNAB convert since 2008
- Superbone
- 1 mth ago
- 1
- Setting Up Your Budget
- Reported - view
Re: What about some webinars or other support for the retired? @Magenta Router said: I have mixed my retirement resources across a 401k, roths, and brokerage accounts. Each has its strengths but only withdrawals from the 401k will count against my taxes.…
- Superbone
- YNAB convert since 2008
- Superbone
- 2 mths ago
- Setting Up Your Budget
- Reported - view
Re: What about some webinars or other support for the retired? @Magenta Router said: As i recall, my parents, when they retired, had saved but were quickly falling victim to maturing resources and something called an RMD (required minimum distribution) that…
- Superbone
- YNAB convert since 2008
- Superbone
- 2 mths ago
- Setting Up Your Budget
- Reported - view
Re: What about some webinars or other support for the retired? Yes, this is a good topic and will be more and more important as YNAB and its users mature. I am quickly approaching this stage. The accumulation phase has been the priority to this point but the…
- Superbone
- YNAB convert since 2008
- Superbone
- 2 mths ago
- 1
- Setting Up Your Budget
- Reported - view
Re: Income for Next Month Category - When to Release Funds It doesn't matter what month you release them in. The paychecks came when they came so they'll count toward that month. As far as the timing of when to do it and when to budget,…
- Superbone
- YNAB convert since 2008
- Superbone
- 2 mths ago
- Tips & Tricks
- Reported - view
Re: "Emergency fund" versus budgeting ahead? Buffer category? @Budget Conquistador Most of us have an EF or Loss of Income fund AND an Income for Next Month category that holds all paychecks this month to budget for next month:…
- Superbone
- YNAB convert since 2008
- Superbone
- 2 mths ago
- 3
- Setting Up Your Budget
- Reported - view
Re: Why is Ynab categorizing an expense as cash spent when it was a Credit Card expense @Blue Wildcat said: Do I really need to when I see that everything matches up between my ynab and my CC statement? Of course. You should reconcile often and keep them in sync.…
- Superbone
- YNAB convert since 2008
- Superbone
- 2 mths ago
- 1
- Credit Cards & Debt
- Reported - view
Re: Why is Ynab categorizing an expense as cash spent when it was a Credit Card expense @Blue Wildcat If your account balance is off, it makes no difference if it's a CC or checking account. You have to reconcile your account's cleared balance to match your bank's balance online.
- Superbone
- YNAB convert since 2008
- Superbone
- 2 mths ago
- 1
- Credit Cards & Debt
- Reported - view

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Superbone

Superbone

YNAB convert since 2008

San Diego, CA

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