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Re: Why is Ynab categorizing an expense as cash spent when it was a Credit Card expense @Blue Wildcat If you are a PIF user and you'll never accrue debt on your card, I highly recommend converting it to a checking account. I did that years ago and never looked back.…
- Superbone
- YNAB convert since 2008
- Superbone
- 2 mths ago
- 1
- Credit Cards & Debt
- Reported - view
Re: Category Help @nolesrule I got the Pro-Form 16.9 with iFit. Highly recommended.
- Superbone
- YNAB convert since 2008
- Superbone
- 2 mths ago
- Using YNAB
- Reported - view
Re: Category Help I have a Self Improvement category that my Elliptical I bought in January came out of.
- Superbone
- YNAB convert since 2008
- Superbone
- 2 mths ago
- Using YNAB
- Reported - view
Re: Protecting some of the starting balance from being in the budget In YNAB, categories determine the purpose of your funds. Put any funds you don’t want to spend into savings categories and then don’t spend from those categories. It’s as simple as that.…
- Superbone
- YNAB convert since 2008
- Superbone
- 2 mths ago
- 1
- Setting Up Your Budget
- Reported - view
Re: How do you convince your husband we should get out of debt; i.e., pay off the credit cards? It’s pretty simple. When you have debt, everything you purchase costs extra since you’re still paying off past expenses. I understand you need to keep the peace but as the sole breadwinner,…
- Superbone
- YNAB convert since 2008
- Superbone
- 2 mths ago
- 2
- Money & Relationships
- Reported - view
Re: Equalizing retirement accounts with spouse @Matthew Nup said.
- Superbone
- YNAB convert since 2008
- Superbone
- 2 mths ago
- 4
- Saving & Investing
- Reported - view
Re: Breaking down starting bank balance to monthly budgeted amounts Here’s how it should work. First add your budget accounts to the budget. These funds should be available in To be Budgeted. $2000 in your example. Now budget $500 to Rent and budget the remaining…
- Superbone
- YNAB convert since 2008
- Superbone
- 2 mths ago
- 1
- Setting Up Your Budget
- Reported - view
Re: Am I missing something by not using "Inflow: To Be Budgeted"? Yes. You are missing income flowing into your budget so all your reports will be off and you are also missing the ability to use the quick budget tools to budget your month with click of a button,…
- Superbone
- YNAB convert since 2008
- Superbone
- 2 mths ago
- 2
- Setting Up Your Budget
- Reported - view
Re: 'Category not needed' Yep, transferring funds between two budget accounts does not require a category as you are just moving money around within the budget and is not a budgeting activity.…
- Superbone
- YNAB convert since 2008
- Superbone
- 2 mths ago
- Using YNAB
- Reported - view
Re: Living Within Your Means YNAB Style @nolesrule I prefer to automate my transactions and avoid tasks such as regular manual sweeping. I hadn't done the YNAB change yet so one complication I ran into was having to break my paychecks…
- Superbone
- YNAB convert since 2008
- Superbone
- 2 mths ago
- Using YNAB
- Reported - view
Re: Living Within Your Means YNAB Style @Bruce said: @nolesrule I saw you suggest this a month or so back, and commented that it sounded like a good idea. Of course I did nothing... Although my brain was working on it in the back ground.…
- Superbone
- YNAB convert since 2008
- Superbone
- 2 mths ago
- 3
- Using YNAB
- Reported - view
Re: Suddenly the pressure is off— what next? Maximize all your tax sheltered vehicles, top off your true expenses, and then start investing available after-tax income. Continue to grow your net worth. Enjoy the fruits of your labor.…
- Superbone
- YNAB convert since 2008
- Superbone
- 2 mths ago
- 8
- Using YNAB
- Reported - view
Re: What exactly would be a month ahead? @Getting control That's exactly what it is.
- Superbone
- YNAB convert since 2008
- Superbone
- 2 mths ago
- 1
- Using YNAB
- Reported - view
Re: Ratio of Retirement vs. Non-Retirement Investing? @Annieland said: I only started a backdoor Roth for myself last year. I haven’t done one for my husband because I don’t want to deal with the whole pro-rata headache since he has rollover iras from…
- Superbone
- YNAB convert since 2008
- Superbone
- 2 mths ago
- Saving & Investing
- Reported - view
Re: Ratio of Retirement vs. Non-Retirement Investing? @Annieland Yes, I consider that non-liquid, after-tax investing. I max out my back door Roth IRA each year but just do an additional small amount, 2% of after tax income,…
- Superbone
- YNAB convert since 2008
- Superbone
- 2 mths ago
- Saving & Investing
- Reported - view
Re: Ratio of Retirement vs. Non-Retirement Investing? @Silver Guitar said: I'm definitely leaning more toward maximizing tax-advantaged/retirement accounts now, following lots of great input here. Currently have some regular taxable investing but…
- Superbone
- YNAB convert since 2008
- Superbone
- 2 mths ago
- 2
- Saving & Investing
- Reported - view
Re: YNAB Credit Cards Feature is going to send be back to Mint @Slate Blue Elk Yes. Mine are checking accounts. Been doing it that way for a few years now. If you had any experience with previous YNABs, it acts exactly like CCs used to.
- Superbone
- YNAB convert since 2008
- Superbone
- 2 mths ago
- 2
- Credit Cards & Debt
- Reported - view
Re: Moving transactions to a different month If I'm understanding you correctly, in May, you can move the funds back to To be Budgeted. Then go to April and budget it.
- Superbone
- YNAB convert since 2008
- Superbone
- 2 mths ago
- 1
- Setting Up Your Budget
- Reported - view
Re: Ratio of Retirement vs. Non-Retirement Investing? @Annieland You also threatened a “confusing and disgruntled journal”. Now that is something that I would read.
- Superbone
- YNAB convert since 2008
- Superbone
- 2 mths ago
- 4
- Saving & Investing
- Reported - view
Re: Ratio of Retirement vs. Non-Retirement Investing? @nolesrule My company has really good custom low cost index funds. If you want, you can also invest 50% of your funds via a Schwab account with most everything that has to offer.…
- Superbone
- YNAB convert since 2008
- Superbone
- 2 mths ago
- Saving & Investing
- Reported - view
Re: Budget Setup, whole thing is messed up @Annieland 🤣
- Superbone
- YNAB convert since 2008
- Superbone
- 2 mths ago
- Setting Up Your Budget
- Reported - view
Re: Budget Setup, whole thing is messed up @Matthew I use "holistic" for my investments across all investment accounts, taxable and non-taxable. I have a spreadsheet to balance my stock/bond ratio across everything.
- Superbone
- YNAB convert since 2008
- Superbone
- 2 mths ago
- Setting Up Your Budget
- Reported - view
Re: Living Within Your Means YNAB Style @nolesrule If high yield savings account rates ever get back up to 2%+ I might think about keeping my CC payment funds there and paying out of savings.…
- Superbone
- YNAB convert since 2008
- Superbone
- 2 mths ago
- Using YNAB
- Reported - view
Re: Living Within Your Means YNAB Style Like @jenmas , I put everything I can on my cards and pay the statement balances when they are due (no more, no less). Thanks to YNAB, I’m not spending any more than I would if I were using cash and…
- Superbone
- YNAB convert since 2008
- Superbone
- 2 mths ago
- 7
- Using YNAB
- Reported - view
Re: Mortgage Refinance, 20 year vs 30 year Like you said, it's all about your personal priorities. I myself like having the flexibility of extra cash on hand to be used where most needed. Especially at these low interest rates.…
- Superbone
- YNAB convert since 2008
- Superbone
- 3 mths ago
- Dealing with Debt
- Reported - view

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Superbone

Superbone

YNAB convert since 2008

San Diego, CA

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