How to enable Javascript

Latest Posts

Re: Using a slush fund for overages @Melissa I also highly recommend the Toolkit for YNAB browser extension that's available for Chrome or Firefox, if you're not using it already. That extension gives you a lot of options to tweak…
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 1 mth ago
- Accounts & Transactions
- Reported - view
Re: Using a slush fund for overages I think you'd benefit from a Target by Balance goal for your Slush Fund category (and other categories where you want to have a buffer built up), if you haven't already done so.…
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 1 mth ago
- 2
- Accounts & Transactions
- Reported - view
Re: The Importance of a Buffer in a Bi-Weekly Pay World I used to base my budget on 1/12 of my prior year's net income, prior to finding YNAB, and could never figure out why I was almost always over-budget. It took me about 3 months of using YNAB before…
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 1 mth ago
- 3
- Method & Budgeting
- Reported - view
Re: Long term plans @Aquamarine Dragon This might be why the goals aren't making any sense to you: 1) YNAB doesn't pull any data from your (checking/savings/credit/debts) accounts into any of the goal calculations…
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 2 mths ago
- 1
- Method & Budgeting
- Reported - view
Re: Long term plans @Aquamarine Dragon You're correct that YNAB can't determine what you can afford to do with 1K per month, and the 1K you already have in Savings; only you can determine that.…
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 2 mths ago
- 1
- Method & Budgeting
- Reported - view
Re: What mindsets do you use to NOT spend $ you don’t have? My mindset to not spend money I didn't budget for is: "How does spending these dollars now, set me back in my other needs or wants later?" Because there is always a trade-off,…
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 2 mths ago
- 3
- Debt
- Reported - view
Re: Starting YNAB with savings Ah, the danger zone – I’ve visited there many times; experienced a lot of indigestion… Prior to using YNAB, I had a money market account that was a catch-all for my “emergency funds”, and like you,…
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 2 mths ago
- 9
- Saving
- Reported - view
Re: Handling CC interest that charges AFTER monthly payment Budgeting for interest can be a bit difficult since it always happens after your payment posts (when carrying a credit balance). If you don't already, create a budget category called something like…
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 2 mths ago
- 1
- Credit Cards
- Reported - view
Re: But I havnt paid it off yet! Regardless of the date the purchase was recorded, since you selected your "computer replacement" on the transaction (account) side, you'll also categorize the refund (fingers crossed they refund you…
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 2 mths ago
- 3
- Managing Debt
- Reported - view
Re: Over-estimating Goals vs. Inflow All of this is said with kindness (forums are always difficult to gauge tonally)... Even with that credit card debt gone in February, your current reality is that you're budgeting more than you…
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 2 mths ago
- 4
- Managing Debt
- Reported - view
Re: Merging Duplicate Credit Card Accounts You can do this, although I've not tried it on a large scale, just a few records at a time. Open the credit card account that you want to merge from the lefthand menu (I'll call it the "old" Target…
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 5 mths ago
- 1
- Accounts & Transactions
- Reported - view
Re: Newbie just can't seem to get the hang of it You mentioned in your post that you've watched all the videos, but they just released some new ones, so you may not have seen these. These two discuss what you're doing (forecasting),…
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 5 mths ago
- 3
- Tips & Tricks
- Reported - view
Re: I thought I had my head round YNAB but now I'm going a bit crazy! I agree with @Tobias that what you're experiencing is normal for a new YNABer. In fact, I could have written your post! I also started in mid-August, got a bit confused and overwhelmed,…
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 5 mths ago
- 2
- Getting Started
- Reported - view
Re: 1st of the Month payments, when 1st is on weekend or holiday @Melissa I should note that you'll be stuck with a double-budget month for November because it sounds like your 11/1 bills have already cleared and you December (12/1) bills will likely get paid at…
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 5 mths ago
- Tips & Tricks
- Reported - view
Re: 1st of the Month payments, when 1st is on weekend or holiday If you have the payments set up through your bank's bill pay feature, I'd recommend adjusting the issue date a week or so earlier than the due date. Especially since you've got the funds available…
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 5 mths ago
- Tips & Tricks
- Reported - view
Re: To Be Budgeted positive balance in new month If you go back to view October's budget, is the TBB still as zero? If so, is there an transaction record in your account list that has an inflow dated for November that maybe hasn't actually posted…
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 5 mths ago
- Method & Budgeting
- Reported - view
Re: Emergency Fund Vs Aged Money @Khaki Storm The Toolkit also has an option to hide YNAB's AoM metric from the header section... :)
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 6 mths ago
- 1
- Saving
- Reported - view
Re: How to differentiate between what categories were budgeted under checking account or my savings account? @dakinemaui I'm going to move some of those funds from Emergency to Buffer; I wasn't clear on that in my previous reply, but that is my intention.
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 6 mths ago
- 1
- Method & Budgeting
- Reported - view
Re: How to differentiate between what categories were budgeted under checking account or my savings account? @dakinemaui @dakinemaui said: Look at upcoming transactions in checking (they should be in the scheduler) to tell you what needs to be in checking and everything else can be in savings.…
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 6 mths ago
- Method & Budgeting
- Reported - view
Re: How to differentiate between what categories were budgeted under checking account or my savings account? @nolesrule I think the reason why I (and other new users) keep getting hung up on this issue (even after reading the documentation and watching the videos) is that we don't have a buffer,…
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 6 mths ago
- 3
- Method & Budgeting
- Reported - view
Re: How to differentiate between what categories were budgeted under checking account or my savings account? @Queenie Dang YNAB offers a lot of flexibility to fine-tune your budget and it's category labels: rename, drag and drop to rearrange the order, create new, hide, and delete.…
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 6 mths ago
- 1
- Method & Budgeting
- Reported - view
Re: Newbie and stuck!! Hi Azure Orca! There's a couple ways you can handle this depending on what works best for your needs. 1) The easiest way is to simply delete the existing "savings" account completely from YNAB,…
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 6 mths ago
- 1
- Accounts & Transactions
- Reported - view
Re: Rounding up and down? I'm only a month into using YNAB, so I'm still getting my feet wet. But I'm using the same approach as @Herman : start with the rounded number to get dollars budgeted,…
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 6 mths ago
- Method & Budgeting
- Reported - view
Re: How to differentiate between what categories were budgeted under checking account or my savings account? Hi Queenie Dang! I’m new to YNAB as well, and the relationship between the location of my money and funding my budget categories was a challenging hurdle to get over.…
- Melissa
- Routinely questioning every assumption I have about my budget, my spending, and my savings habits.
- todays_mel
- 6 mths ago
- 2
- Method & Budgeting
- Reported - view

Melissa

todays_mel

Routinely questioning every assumption I have about my budget, my spending, and my savings habits.

Arizona

33
61
1

Follow