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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
- 18 hrs ago
- Student Life
- 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
- 20 hrs ago
- 1 reply
- 24
- Accounts & Transactions
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
- 21 hrs ago
- Method & Budgeting
- Reported - view
Re: Monthly Recurring Transactions Don't Reduce "Available After Upcoming" After Next Instance You can also tweak the way your recurring transaction is set up so you can see two month's worth of mortgage transactions - here's how to do that: For your July 1 transaction,…
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 8 days ago
- 1
- App Functions
- Reported - view
Re: Removing tags from multiple transactions at once @Tomato Tamale @chicagouser It is Toolkit feature, within the "Accounts" section. Scroll down the list and look for "Edit Multiple Flags at Once". You need to toggle it "ON".
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 9 days ago
- Accounts & Transactions
- Reported - view
Re: Furnace fund v debt @Gold Pilot said: 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.…
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 1 mth ago
- 2
- Saving
- Reported - view
Re: Furnace fund v debt 👋🛶 Me waving to you from a similar boat… I’ve been struggling with this also: too many savings categories, too little extra money. Here are my Long-Term Savings categories:…
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 1 mth ago
- 2
- Saving
- Reported - view
Re: Realizing What You Can't Afford @MomonWheels said: Actually being able to see the reality of your real numbers is both liberating and uncomfortable You've described it perfectly! YNAB has inspired an enormous shift in how I think…
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 1 mth ago
- 1
- YNAB Wins
- Reported - view
Re: Realizing What You Can't Afford @Spring Green Lobster said: Saw a YNAB video on saving a "car payment" (why didn't I ever think of that?) I had the same revelation not long after starting YNAB.…
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 1 mth ago
- 1
- YNAB Wins
- Reported - view
Re: Has the latest update screwed anything up for anyone? I too am having the same issues with the ToolKit Goals/Amounts that are no longer centered, since the most recent YNAB update. Also, thank you for sharing the extension you use for the dark mode!…
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 1 mth ago
- API & Integrations
- Reported - view
Re: linked Credit Card # has changed... Unless your actual credit account (the account at your financial institution that is basically loaning you money) was closed, there is no need to unlink and relink that account within YNAB.…
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 1 mth ago
- 1
- Credit Cards
- Reported - view
Re: Growing for savings @shortattentionspan I discovered Epic Gardening on YouTube a few weeks ago. He's based out of California (not sure exactly where), so his climate is more temperate than where I'm located,…
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 1 mth ago
- 1
- Saving
- Reported - view
Re: Growing for savings @shortattentionspan You are right! 😊I'll never have an edible garden if I don't start somewhere. I need to start small and not try to have a master garden already planned out in my head (I've…
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 1 mth ago
- 4
- Saving
- Reported - view
Re: Growing for savings Starting an edible garden has been something I've wanted to do for a long time, but I'm not naturally gifted with a green thumb (or that's how I feel about it anyhow - I can keep all of my indoor ZZ…
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 1 mth ago
- 1
- Saving
- Reported - view
Re: Cheap but Decent Phone Plans @Peripherie Completely understand where you're coming from as I felt the same way leaving T-Mobile after having been a customer for 10+ years (and was also grandfathered in on a plan I'd never get…
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 2 mths ago
- Tips & Tricks
- Reported - view
Re: Cheap but Decent Phone Plans @Alemap I'm using less than 1 GB data per month right now, so having a buffer of up to 3 GB/mth is even better, and for less $$. I see that there's a $45 for 3 months intro offer right now;…
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 2 mths ago
- Tips & Tricks
- Reported - view
Re: Cheap but Decent Phone Plans @Alemap Dang, I might have to give Mint Mobile a try. I thought dropping from $70 (tmobile) to $30 (google fi) a month was good. If I can get my bill down to $180/yr ($15/mth), that's crazy good!…
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 2 mths ago
- Tips & Tricks
- Reported - view
Re: Cheap but Decent Phone Plans @Melissa - LOL, since I have no shame... If anyone decides to give Google Fi a try and wants to share the love, we'll both get a $20 account credit if you sign up with my referral code,…
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 2 mths ago
- Tips & Tricks
- Reported - view
Re: Cheap but Decent Phone Plans I've been using Google Fi for just over a year now. I'm pretty happy with it, but the coverage outside of my metro area is not that great currently (Phoenix, AZ).…
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 2 mths ago
- 1
- Tips & Tricks
- Reported - view
Re: Staying motivated and persisting through doubt Along with what others have recommended in regards to embracing the rules/methodology, my tip would be carving out a "Guilt Free" money category to give yourself a small reward every once in a while.…
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 2 mths ago
- 2
- Tips & Tricks
- Reported - view
Re: Age of Money, windfalls, and tracking accounts "Better" is a subjective term, but I'd recommend: Bring your Income Replacement account On-Budget as recommended by YNAB documentation (all liquid savings should be OB),…
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 2 mths ago
- 1
- Saving
- Reported - view
Re: Emergency Funds vs. Income Replacement @dangerosity said: I dipped into it for an "emergency" that I should have seen coming, so defining it should take away the confusion of "where do I pull from?" Yes, exactly!…
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 2 mths ago
- 2
- Saving
- Reported - view
Re: Emergency Funds vs. Income Replacement I prefer having defined savings categories; it gives me much more clarity rather than having a lumped bucket of emergency funds (which I found way too tempting to dip into, personally).…
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 2 mths ago
- 3
- Saving
- Reported - view
Re: What's the best way to build up regular spending categories? @atoznewlyweds Thanks for sharing the article; I'd missed that one. I 100% agree that we need to give ourselves an outlet within our budgets even if we can only set aside a small amount.…
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 2 mths ago
- Tips & Tricks
- Reported - view
Re: Bank Connections Suck @Alice Blue Orca I commiserate with you. I used to design custom web-based databases so I get there are lots of complications and behind the scenes issues that the rest of us aren't privy to; I.T.…
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 2 mths ago
- 1
- Accounts & Transactions
- Reported - view

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