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Re: Stick to $0 to be budgeted or pay-off debt and be in the red?
@Turquoise Piano 40% reduction sure ain't nothing to sneeze at! 👏🎉And if you can keep that trend going think of how much quicker you can pay off that debt and then move on to really plunking it…
Melissa
Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
todays_mel
4 hrs ago
Credit Cards & Debt
Reported - view
Re: To be budgeted?
You could create two category GROUPs and put your specific expense categories within that you pay from the two different income streams you have I used to do this as I get paid bi-weekly,…
Melissa
Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
todays_mel
4 hrs ago
Setting Up Your Budget
Reported - view
Re: Stick to $0 to be budgeted or pay-off debt and be in the red?
If all you have available in your TBB is $1000 for that credit card, then that's your answer if you want to prevent more debt. Having $4k in your bank account is not the same as having $4k available…
Melissa
Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
todays_mel
6 hrs ago
Credit Cards & Debt
Reported - view
Re: Money I owe someone else?
This article goes into how to set up a debt/loan. You'll likely choose to use "Method 2" since you want to track your payments/progress (note: since your loan won't incur any interest,…
Melissa
Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
todays_mel
3 days ago
2
Setting Up Your Budget
Reported - view
Re: Category temporarily negative
If the refund will be received before then end of this month (January), I'd just leave it for now. Best practice is to still cover it with money if possible though...…
Melissa
Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
todays_mel
4 days ago
Using YNAB
Reported - view
Re: YNAB method mind shift
I lived check-to-check for nearly 7 or 8 years pre-YNAB. It is completely exhausting and utterly dehumanizing to juggle finances like that. My advice is to prioritize getting a month ahead,…
Melissa
Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
todays_mel
10 days ago
7
Tips & Tricks
Reported - view
Re: Early monthly bills due to Holiday?
Ugh, my city municipal bill does this it seems like every 2 - 3 months - so some months I have "two" bills and others I have "zero"! I usually keep the YNAB account date as the date it cleared my…
Melissa
Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
todays_mel
10 days ago
Using YNAB
Reported - view
Re: Is there a better way to do this?
@Annieland Great Idea to use the lock emoji icon! For categories that I allow myself to WAM from (, or that have leftover funds at the end of the month which can either stay or get moved elsewhere)…
Melissa
Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
todays_mel
2 wk ago
1
Setting Up Your Budget
Reported - view
Re: I just got Married - Help me avoid mistakes!
I don't have any experience budgeting with a partner, but YNAB does have a specific guide just for that! https://docs.youneedabudget.com/article/1133-join-forces Some good stuff to be found in there…
Melissa
Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
todays_mel
3 mths ago
Money & Relationships
Reported - view
Re: I'm broke and need help
Hi Nathan, Sending you and your girlfriend lots of virtual support. YNAB has several blog posts over the last couple of months that address some of the issues you're struggling with,…
Melissa
Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
todays_mel
4 mths ago
4
Credit Cards & Debt
Reported - view
Re: Catching Up after 5 months?
I'd suggest a Fresh Start, unless you really want the tedium of trying to catch up on 5 months of inflows and outflows... And since tomorrow is the beginning of a new month (Sept 1),…
Melissa
Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
todays_mel
4 mths ago
Setting Up Your Budget
Reported - view
Re: Goals vs. Scheduled Transactions
I utilize Scheduled Transactions primarily to monitor cash-flow on the account side. This helps me identify when I should, or need, to move money between my accounts to make sure there's always…
Melissa
Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
todays_mel
4 mths ago
2
Setting Up Your Budget
Reported - view
Re: Hidden Categories
Here's a optional workaround, although it's not perfect: if you want to see the spending reflected in your reports but don't want to see the categories on the budget side,…
Melissa
Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
todays_mel
4 mths ago
3
Setting Up Your Budget
Reported - view
Re: Uh-Oh! toolkit
Yes, it began after the latest update that YNAB pushed out yesterday; or at least it was working until I clicked on the refresh button for the latest release.…
Melissa
Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
todays_mel
5 mths ago
Using YNAB
Reported - view
Re: True expenses for certain grocery items?
@HappyDance I like the idea of using a percentage for breaking out the grocery "food groups"! I'd likely still keep just one Grocery category, but since I order online and then pickup curbside,…
Melissa
Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
todays_mel
5 mths ago
2
Setting Up Your Budget
Reported - view
Re: Cannot Add SoFi to Accounts
YNAB has a way to report bank connections issues: https://youneedabudget.typeform.com/to/pI0042 It's on the righthand side of the main forum page, too.
Melissa
Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
todays_mel
5 mths ago
1
Using YNAB
Reported - view
Re: End of month carry over events...
I would suggest reviewing the Four Rules again. https://www.youneedabudget.com/the-four-rules/ Red categories have to be dealt with in the month they occur.…
Melissa
Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
todays_mel
5 mths ago
Setting Up Your Budget
Reported - view
Re: Little known benefit of combining True expenses into one category
@PhysicsGal Thank you for posting about lumping certain categories together. I hadn't considered that I'd be tying up more money by the individual target/goal approach.…
Melissa
Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
todays_mel
5 mths ago
2
Setting Up Your Budget
Reported - view
Re: 2-Year YNAB-versary
Congrats on all of your milestones, and thank you for sharing your wins! Those are awesome and inspiring. 🎉👏 My one year anniversary is towards the end of next month (August 24, 2020)!
Melissa
Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
todays_mel
5 mths ago
3
YNAB Wins
Reported - view
Re: Should You Keep Credit Cards Open?
General rule is keeping unused cards open is better for your credit standing, but there are some situations where this might not be the best option. This article is a good starting point on the…
Melissa
Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
todays_mel
5 mths ago
Credit Cards & Debt
Reported - view
Re: How important is TBB?
Hi @Forest Green Wildebeest! Recommended practice for any new money coming into your budget whether from a Job, Cash Gift, Social Security or other Retirement funds should be categorized to Inflow:…
Melissa
Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
todays_mel
6 mths ago
4
Using YNAB
Reported - view
Re: Closed Escrow - Did I Handle the Process Correctly?
@dakinemaui Thank you for the feedback! I tried both the Inflow: TBB way and the "Refund" way to see how that affects things and which I preferred. But ultimately I don't want it considered as…
Melissa
Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
todays_mel
6 mths ago
2
Using YNAB
Reported - view
Re: Looking to Build Credit as International Student
I don't have any experience with the two sites you mention, but I will share some advice I wish I'd gotten when I was just starting out with credit cards.…
Melissa
Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
todays_mel
6 mths ago
1
Tips & Tricks
Reported - view
Closed Escrow - Did I Handle the Process Correctly?
I recently requested and was granted a closure of the escrow account associated with my mortgage loan, so I can save (and earn interest!) and pay my taxes + insurance directly.…
Melissa
Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
todays_mel
6 mths ago
2
replies
48
Using YNAB
Answered
Answered
Re: Accounting for mortgages
@Alemap My process is nearly the same as yours, with the exception that I use the principal payment listed on my monthly mortgage statement and record that as an Inflow to the Tracking account side.…
Melissa
Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
todays_mel
6 mths ago
1
Setting Up Your Budget
Reported - view
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Melissa
todays_mel
Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
Arizona
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