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How to effectively tackle my credit card balance
I joined the debt paydown challenge this year thinking no problemo! And I was doing really well. I got my $4000 CC balance down to $1900 in only 4 months. But then, you know, life happened.…
- Space Cadet
- spacecadet007
- 4 mths ago
- 5 replies
- 213
- 2
- Dealing with Debt
Re: Weird to be budgeted issue @SgtBatten oh! I was trying to figure out how to reply to someone directly on the desktop site and I guess I'm a bit of a granny. 😅 I couldnt find the reply button without quoting something so I…
- Space Cadet
- spacecadet007
- 4 mths ago
- 1
- Using YNAB
- Reported - view
Re: Weird to be budgeted issue @jenmas Ah, that makes sense! I did have some credit overspending from before. Thanks a lot! :)
- Space Cadet
- spacecadet007
- 4 mths ago
- Using YNAB
- Reported - view
Re: Weird to be budgeted issue @jenmas said: Credit card overspend is converted into credit card debt. Ooooh yeah. I forgot about that. I just double checked, but it wasn't credit card overspending from June.…
- Space Cadet
- spacecadet007
- 4 mths ago
- Using YNAB
- Reported - view
Re: Weird to be budgeted issue @satcook said: You have some overspending in June you need to cover Okay, I looked for the overspending and found about $90 worth. I covered the overspending in June with funds from another category,…
- Space Cadet
- spacecadet007
- 4 mths ago
- Using YNAB
- Reported - view
Re: zero out prior month overspending Have you tried doing a Fresh Start? I think that's the easiest way to zero out prior month spending because all of the transactions are removed. The only trouble with it,…
- Space Cadet
- spacecadet007
- 4 mths ago
- Using YNAB
- Reported - view
Weird to be budgeted issue
Due to moving house and cleaning and being tired as heck, I haven't touched my budget in two weeks (two paycheques worth). I sat down to get it sorted out today,…
- Space Cadet
- spacecadet007
- 4 mths ago
- 9 replies
- 146
- Using YNAB
- Answered
- Answered
Re: Need advice about credit limit increases @WordTenor thanks for the advice! I feel a lot better about accepting the increase now. I think sometimes I forget that my credit limits are peanuts compared to most other people.…
- Space Cadet
- spacecadet007
- 6 mths ago
- 2
- Dealing with Debt
- Reported - view
Need advice about credit limit increases
Hi, I got an offer from Capital One today to increase my credit limit on my card from $4000 to $6500. I was just going to accept it because I've always heard that you shouldn't refuse an increase.…
- Space Cadet
- spacecadet007
- 6 mths ago
- 12 replies
- 175
- 1
- Dealing with Debt
Re: 2021: The Official YNAB Savings Challenge @The Artist Formerly Known As Hi! Thanks for reminding me about the restrictions! I had actually forgot when I was detailing this. Luckily in Canada there's an option to borrow from your RRSP…
- Space Cadet
- spacecadet007
- 7 mths ago
- 2
- Join A Challenge
- Reported - view
Re: The Official 2021 Debt Smackdown Alrighty, time to smack down this debt! I have some lofty financial goals this year which includes saving for school next year so I won't being paying off as much debt as I'd like.…
- Space Cadet
- spacecadet007
- 7 mths ago
- 7
- Join A Challenge
- Reported - view
Re: 2021: The Official YNAB Savings Challenge Alright broskies, here's the scoop. I'm saving up to quit my job next year! 🥳 What? That's right, I'm quitting my boring office job to start an apprenticeship as an auto technician!…
- Space Cadet
- spacecadet007
- 8 mths ago
- 1
- Join A Challenge
- Reported - view
Today I was able to avoid a terrible mistake, thanks YNAB
Lately I've been wanting a new phone because my boyfriend needs one and I've been looking for one for him. But I have a spending bug like you wouldn't believe.…
- Space Cadet
- spacecadet007
- 8 mths ago
- 2 replies
- 191
- 16
- YNAB Wins

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