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Re: 2021: The Official YNAB Savings Challenge February check-in Total goal: $75,000 🎉 including downpayment on the house Spent YTD: $11,036 (excluding house fund) Saved YTD: $5477 Pre-tax: $5477 Post-tax:…
- Gold Pilot
- Gold_Pilot.4
- 3 mths ago
- 2
- Join A Challenge
- Reported - view
Re: 2021: The Official YNAB Savings Challenge January check-in Total goal: $75,000 🎉 Saved in January: $4484 (YTD: $4484) Spent in January: $6356 (YTD: $6356) House Fund: $2185 of $36,900 (Move to individual brokerage if I decide not to buy)…
- Gold Pilot
- Gold_Pilot.4
- 4 mths ago
- 1
- Join A Challenge
- Reported - view
Re: 2021: The Official YNAB Savings Challenge Excited to see what 2021 holds! My goal is to save a neat $75,000 for retirement and long term goals this year (gulp!). Details for future reference: Total goal: $75,000 🎉 House Fund: $36,…
- Gold Pilot
- Gold_Pilot.4
- 5 mths ago
- 2
- Join A Challenge
- Reported - view
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
- 5 mths 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
- 6 mths 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
- 6 mths 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
- 7 mths ago
- 2
- 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
- 7 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
- 7 mths ago
- 2 replies
- 47
- 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
- 7 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
- 8 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
- 8 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
- 8 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
- 8 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
- 9 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
- 9 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
- 10 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
- 11 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
- 11 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
- 11 mths ago
- 8
- 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
- 11 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
- 11 mths ago
- 1
- 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
- 1 yr 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
- 1 yr 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
- 1 yr ago
- 2
- Saving & Investing
- Reported - view

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