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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
- 2 wk 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
- 1 mth ago
- 4
- 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
- 1 mth ago
- Method & Budgeting
- 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
- 2 mths ago
- 2
- Method & Budgeting
- 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
- 2 mths ago
- 3
- Method & Budgeting
- 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
- 2 mths ago
- App Functions
- 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
- 2 mths ago
- 2
- Method & Budgeting
- 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
- 2 mths ago
- 1
- Accounts & Transactions
- 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
- 2 mths ago
- Method & Budgeting
- 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
- 3 mths ago
- 2
- Method & Budgeting
- 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
- 3 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
- 3 mths ago
- Credit Cards
- 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
- 3 mths ago
- 4
- App Functions
- 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
- 3 mths ago
- 2
- Accounts & Transactions
- 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
- 3 mths ago
- 1
- 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
- 3 mths ago
- 2 replies
- 45
- Accounts & Transactions
- 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
- 3 mths ago
- 1
- 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
- 3 mths 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
- 4 mths 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
- 4 mths 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
- 4 mths 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
- 5 mths 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
- 5 mths 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
- 5 mths 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
- 5 mths ago
- 1
- Credit Cards
- Reported - view

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