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Re: 2020: The Official YNAB Savings Challenge
December update: An excellent month to close out an excellent year. 🙂 Total goal: $88,023 of $73,740 🎉 ($65,726 of $60,340 FIRE + $22,297 of $13,600 planning instead of scrambling)…
Gold Pilot
Gold_Pilot.4
4 days ago
1
Join A Challenge
Reported - view
Re: 2020: The Official YNAB Savings Challenge
Wow, I surpassed the goals I set back in June by nearly $4500. 🤩
Gold Pilot
Gold_Pilot.4
1 mth ago
4
Join A Challenge
Reported - view
Re: 2020: The Official YNAB Savings Challenge
November update: An excellent month. 🙂 Total goal: $73,111 of $73,740 (⬆️$9,565) 🎉 - ($57,453 of $60,340* FIRE + $15,658 of $13,600 planning instead of scrambling) Self-Preservation (Job Loss):…
Gold Pilot
Gold_Pilot.4
1 mth ago
2
Join A Challenge
Reported - view
Re: Alcohol Budget
Mine is lumped into my grocery bill, but in a typical month, I buy: 1 box of decent red wine ($12-$20 depending on whether I go to Trader Joe's or the wine shop) 2 6-packs of craft beer ($10 - $12…
Gold Pilot
Gold_Pilot.4
2 mths ago
1
Fun Money
Reported - view
Re: Rent or buy a home?
It really depends a lot on the cost of renting vs. owning in your location, and on how much you value being able to improve your home (or on not feeling social pressure to improve your home!).…
Gold Pilot
Gold_Pilot.4
2 mths ago
1
Dealing with Debt
Reported - view
Giving during COVID: What organizations do you support?
I'd like to contribute to some non-profit organizations that are helping people through financial difficulties, especially during COVID and in this economy.…
Gold Pilot
Gold_Pilot.4
2 mths ago
2
replies
36
Fun Money
Re: 2020: The Official YNAB Savings Challenge
October update: A really good month. 🙂 Total goal: $63,546 of $73,740 (⬆️$4,806) 🎉 - increased goal by $2,500 ($54,644 of $60,340* FIRE + $8,902 of $13,…
Gold Pilot
Gold_Pilot.4
2 mths ago
1
Join A Challenge
Reported - view
Re: I just got Married - Help me avoid mistakes!
@Mountain Lover This will be a fun exercise. If you find it leads to a lot of arguments, personally, I'd just keep things the way you had them. I'm not a fan of joint budgets (at least not beyond…
Gold Pilot
Gold_Pilot.4
2 mths ago
1
Money & Relationships
Reported - view
Re: Six Figure Student Loans
If it were my life, I would: Keep your savings and brokerage account as-is. The world is fairly uncertain right now, and I'll bet you could survive a year on that money, living at home,…
Gold Pilot
Gold_Pilot.4
2 mths ago
Dealing with Debt
Reported - view
Re: I'm near 30 and feel like a total financial failure. How do I turn my finances around?
What percentage of your gross income are you currently saving toward retirement? Do you have consumer debt (credit cards, car loans, etc.)? It sounds like you're at a good starting point to get…
Gold Pilot
Gold_Pilot.4
2 mths ago
2
Saving & Investing
Reported - view
Re: 2020: The Official YNAB Savings Challenge
September update: Total goal: $58,740 of $71,240 (⬆️$3,252) 🎉 ($50,934 of $60,340* FIRE + $7,806 of $11,100 planning instead of scrambling) Self-Preservation (Job Loss): of $9,893 of $10,…
Gold Pilot
Gold_Pilot.4
3 mths ago
Join A Challenge
Reported - view
Re: The problem with budgeting for my real needs
I have two budget category groups (Gotta Buy It & The Finer Things) and I split these types of expenses into one budget category per group. So I have: Household Basics vs.…
Gold Pilot
Gold_Pilot.4
4 mths ago
Setting Up Your Budget
Reported - view
Re: 2020: The Official YNAB Savings Challenge
August update: Total goal: $55,488 of $71,240 (⬆️$7,333) 🎉 ($48,316 of $60,340* FIRE + $7,132 of $11,100 planning instead of scrambling) Self-Preservation (Job Loss): of $9,682 of $10,…
Gold Pilot
Gold_Pilot.4
4 mths ago
1
Join A Challenge
Reported - view
Re: 2020: The Official YNAB Savings Challenge
July update: Total goal: $48,155 of $68,664 $71,240 (⬆️$8,596) 🎉 ($42,030 of $60,340* FIRE + $6,098 of $11,100 planning instead of scrambling) Self-Preservation (Job Loss): of $9,127 of $7,…
Gold Pilot
Gold_Pilot.4
5 mths ago
1
Join A Challenge
Reported - view
Re: Household vs. Groceries
@Tee Why Mine are under: Gotta Buy It 🤷♀️ (along with Groceries and Household Basics ) as opposed to: Gotta Pay It ✅ (for bills) The Finer Things 💁♀️ (for things like Dining Out or Household…
Gold Pilot
Gold_Pilot.4
6 mths ago
Tips & Tricks
Reported - view
Re: 2020: The Official YNAB Savings Challenge
June update: Total goal: $39,137 of $68,664 (⬆️$4,531) 🎉 ($34,705 of $57,340* FIRE + $4,433 of $11,524 planning instead of scrambling) Self-Preservation (Job Loss): of $4,193 of $7,…
Gold Pilot
Gold_Pilot.4
6 mths ago
1
Join A Challenge
Reported - view
Re: Age of Money, windfalls, and tracking accounts
@Gold Pilot said: I reworked my budget and accounts, moved the Income Replacement savings account on-budget, and shifted that category and the "in betweens" waaaaaaaay down the list so they'd be…
Gold Pilot
Gold_Pilot.4
6 mths ago
7
Saving & Investing
Reported - view
Re: How did you celebrate being Debt Free?
I flipped back through my YNAB history and it seems that I took my kids to Disney and fully funded my Roth IRA. 😄 Both were goals I had set for 2019, along with becoming debt-free.
Gold Pilot
Gold_Pilot.4
6 mths ago
3
YNAB Wins
Reported - view
Re: Household vs. Groceries
I have four categories: Groceries - for anything I buy at the grocery store, including the occasional small household item that I don’t bother to separate out Household Basics - anything I buy…
Gold Pilot
Gold_Pilot.4
6 mths ago
Tips & Tricks
Reported - view
Re: What mindsets do you use to NOT spend $ you don’t have?
What stops you from spending, when you do stop? (Is it the limit on the loan? The loan reaching a certain size?) What you’re talking about isn’t really learning a new habit and mindset,…
Gold Pilot
Gold_Pilot.4
6 mths ago
1
Credit Cards & Debt
Reported - view
Re: Newbie with a taxrefund
Approximately how much greater are your true expenses than your current income each month? Is that a temporary or long-term situation? If paying off the car loan would close most or all of the gap,…
Gold Pilot
Gold_Pilot.4
7 mths ago
2
Dealing with Debt
Reported - view
Re: Furnace fund v debt
@Superbone said: Not getting your 401k match is horrible advice. We're talking about a 100% return on your money. @Superbone It would be terrible advice if humans were entirely rational and you…
Gold Pilot
Gold_Pilot.4
7 mths ago
2
Saving & Investing
Reported - view
Re: Furnace fund v debt
@Melissa It definitely takes some tinkering and different scenario modeling to determine whether you can take things one goal at a time, but as long as you can avoid taking on extra debt if…
Gold Pilot
Gold_Pilot.4
7 mths ago
3
Saving & Investing
Reported - view
Re: Furnace fund v debt
I've found that I am better able to sustain focus on my goals when I narrow down the list and pick one to focus on, then tackle the next, then the next, and so forth.…
Gold Pilot
Gold_Pilot.4
7 mths ago
3
Saving & Investing
Reported - view
Re: Is it an app for the rich countries only?
If you're reading this, YNAB team, consider that most global companies create a pricing model that takes advantage of the high number of potential customers in developing nations,…
Gold Pilot
Gold_Pilot.4
7 mths ago
4
Tips & Tricks
Reported - view
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Gold Pilot
Gold_Pilot.4
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