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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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