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Making a windfall last through lean times.
My finances have gotten weird lately (like so many people's). My spouse and I are extremely lucky to be able to work from home, full time, without any furloughs or unpaid time off.…
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- 7 mths ago
- 1 reply
- 57
- Setting Up Your Budget
Re: YNAB just gave me $15,000 @Faness It worked! Thank you!
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- 7 mths ago
- 1
- Using YNAB
- Reported - view
Re: YNAB just gave me $15,000 My total income for the month (in reports) is also a little over $12,000. Since there was no balance left over from last month (because Fresh Start), shouldn't my Inflow be the same as my Income?
- Adjective Noun
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- 7 mths ago
- 1
- Using YNAB
- Reported - view
YNAB just gave me $15,000
I did a fresh start as of July 7. I re-entered the current balances for all my accounts. In the left toolbar, the "Budget" total correctly reflects the totals of my checking and savings accounts,…
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- 7 mths ago
- 3 replies
- 118
- Using YNAB
Re: Happy with your budget categories? Please share! @BradleyW When I make a category change, I recategorize past transactions to fit the new scheme. So when I started using a "Gifts" category, instead of a separate category for each gift,…
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- 1 yr ago
- Tips & Tricks
- Reported - view
Re: Happy with your budget categories? Please share! After many reorganizations, I think I'm happy with what I have - it's worked for about 3 months without a hiccup. This Month's Obligations: Everything due this month, sorted by due date.…
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- 1 yr ago
- Tips & Tricks
- Reported - view
Re: What did you do to improve your finances today? After being with the same employer for almost 10 years, I finally started exploring some of the employee benefits in depth. I discovered that I could get car insurance through my employer for $700…
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- 1 yr ago
- 5
- YNAB Wins
- Reported - view
Re: Reconciliation adjustment *every month*? UGH! So much for being "meticulous." I marked a transaction as cleared which was not... in the amount of $2,190. Sorry everyone - this is the second time tonight I've posted a question because I was…
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- 1 yr ago
- 5
- Using YNAB
- Reported - view
Re: Reconciliation adjustment *every month*? (just to see, I went and deleted all the reconciliations. It made it worse!)
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- 1 yr ago
- Using YNAB
- Reported - view
Re: Reconciliation adjustment *every month*? It's a checking account. I reconciled against the cleared balance, not working balance. I also thought that maybe the adjustments themselves were causing problems - but then at some point there…
- Adjective Noun
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- 1 yr ago
- 1
- Using YNAB
- Reported - view
Re: Reconciliation adjustment *every month*? The bank balance definitely doesn't include pending transactions, because it's the balance on the statement. That only uses items that have actually cleared in the calculation.…
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- 1 yr ago
- Using YNAB
- Reported - view
Reconciliation adjustment *every month*?
I enter transactions manually, and reconcile when I get my bank statements. Every year, the balance in YNAB is lower than my bank balance, and every month I can't figure out where the discrepancy is…
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- 1 yr ago
- 14 replies
- 238
- Using YNAB
Re: Uncleared balance confusion NEVER MIND! I was accidentally selecting all uncleared transactions AND all scheduled transactions. When I deselected the scheduled transactions, it all worked out.
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- 1 yr ago
- Using YNAB
- Reported - view
Uncleared balance confusion
Hi - I'm trying to figure out how the "uncleared balance" for an account is calculated. Right now, my checking account is showing an uncleared balance of about $1800.…
- Adjective Noun
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- 1 yr ago
- 1 reply
- 77
- Using YNAB
Re: Newbie here: why is my TBB not in the red as I would expect? @dakinemaui December ended with a positive TBB, so I'm thinking that I screwed up by spending the same dollars twice, but then made enough money in December to fix it. Phew!
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- 1 yr ago
- Setting Up Your Budget
- Reported - view
Re: Newbie here: why is my TBB not in the red as I would expect? @dakinemaui So I'm closing out December, and noticed a weird thing. When I go back to October and November, the TBB is $0, as expected. But both of them show money budgeted in future (I'm now using…
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- 1 yr ago
- Setting Up Your Budget
- Reported - view
Re: Allocating HSA income directly to categories Thank you everyone for all the ideas. @Ceeses - I think I do need to set up the debts as tracking accounts, and also create a budget category for each one (so that I can budget for the regular…
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- 1 yr ago
- 1
- Using YNAB
- Reported - view
Re: Allocating HSA income directly to categories @Descriptor Noun No wait, that didn't work.... because when I transfer $ from my on-budget HSA to my on-budget medical debt, it doesn't ask for a category,…
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- 1 yr ago
- Using YNAB
- Reported - view
Re: Allocating HSA income directly to categories @Ceeses I think I actually have to move my HSA account on -budget, because I also use it to pay for new medical expenses as they occur. I think I need to just put the dollars on that card in my…
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- 1 yr ago
- Using YNAB
- Reported - view
Re: Allocating HSA income directly to categories I have some old medical debts, for which I'm on a payment plan. I have them set up as credit cards in my budget. I tried setting up my HSA as a tracking account,…
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- 1 yr ago
- Using YNAB
- Reported - view
Re: Prepaid Expenses Your plan is good with a lot of budgeting systems, but it's not how YNAB works. YNAB isn't only budgeting software, it's a budgeting method. You have already spent the first $1000 on your classes,…
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- 1 yr ago
- Using YNAB
- Reported - view
Re: OMG, I'm pregnant! How do I budget for THAT?! @Purple Piccolo said: Do baby and adult clothes come out of the same Clothes category? I'd buy baby food and diapers at the same time as groceries, so do I lump it all under the same category?…
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- 1 yr ago
- Parenting
- Reported - view
Re: OMG, I'm pregnant! How do I budget for THAT?! Congratulations!! Budgeting for a first baby is hard to plan because you don't know what it's really going to be like. (The same is true of sleep, socializing, sex,…
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- 1 yr ago
- 2
- Parenting
- Reported - view
Re: Workaround for lack of "Income for Next Month" in YNAB @Matt Tanner said: For example, this month I realized my power bill was higher than I thought, but when I upped the budget, it appeared as though I had plenty of cash to cover it (which I do,…
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- 1 yr ago
- Tips & Tricks
- Reported - view
Re: How do Payees work? The payee is usually the person or place you bought something from, not the actual thing. The thing is the category. But you can use the payee column to track where your money comes from,…
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- 1 yr ago
- 1
- Setting Up Your Budget
- Reported - view

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