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Re: What did you do to improve your finances today? @Pikayo I made that switch recently too - I made my husband cut it, though! I have really long hair, and mostly wear it up, so it isn't actually that challenging to cut it.…
- All About the Numbers
- Hot_Pink_Mill_f9e491b4d
- 1 yr ago
- 1
- YNAB Wins
- Reported - view
Re: What did you do to improve your finances today? Our kids are away, which usually means nice meals out and doing a day trip somewhere without them. Our Dining Out line is pretty small these days, and I couldn't come up with anywhere I really…
- All About the Numbers
- Hot_Pink_Mill_f9e491b4d
- 2 yrs ago
- 7
- YNAB Wins
- Reported - view
Re: How to budget tax returns? @Heather Ha ha- you are absolutely right. Won't be a difference of several thousand dollars. I just saw an opportunity to get on my tax reform awareness soapbox and jumped on it 🙂
- All About the Numbers
- Hot_Pink_Mill_f9e491b4d
- 2 yrs ago
- 2
- Managing Debt
- Reported - view
Re: How to budget tax returns? @nolesrule YES! Everyone needs to be super careful with 2018. My understanding is that the new withholding tables really don't account well for all the changes to the tax code (loss of certain…
- All About the Numbers
- Hot_Pink_Mill_f9e491b4d
- 2 yrs ago
- Managing Debt
- Reported - view
Re: How to budget tax returns? I'd take it as an opportunity to set yourself up for success. I agree with @Michele (I usually do). Cover your true expenses, get yourself buffered. That will give you breathing room that will…
- All About the Numbers
- Hot_Pink_Mill_f9e491b4d
- 2 yrs ago
- 5
- Managing Debt
- Reported - view
Re: How often you need to have budget meetings with a partner I've been in charge of the family finances forever, and have worked to get DH more involved over the last few months. We don't do budgets meetings on a regular schedule, but we do have them.…
- All About the Numbers
- Hot_Pink_Mill_f9e491b4d
- 2 yrs ago
- Money & Relationships
- Reported - view
Re: What to do with Savings? I've got different mechanics, but a similar situation. I've kept about half my emergency fund in an account that is truly liquid - if there is a sudden house repair that I need cash for,…
- All About the Numbers
- Hot_Pink_Mill_f9e491b4d
- 2 yrs ago
- 1
- Investing & Retirement
- Reported - view
Re: Putting All Our Eggs in One Basket I'm also in the camp that doesn't pay for the chores that come with being part of the family - room cleaning, dishwashing, laundry, taking out the recycling etc.…
- All About the Numbers
- Hot_Pink_Mill_f9e491b4d
- 2 yrs ago
- 1
- Parenting
- Reported - view
Re: How did you do it?? Single, high student loans, multiple jobs Just seconding the suggestion to do the webinars- they are amazing. I really didn't get YNAB until I took the classes, and they were sooooooo helpful.
- All About the Numbers
- Hot_Pink_Mill_f9e491b4d
- 2 yrs ago
- 2
- Managing Debt
- Reported - view
Re: How do I track savings, while spending from that category? (ex: Christmas) I agree with the funding goal- easiest way to see progress that includes all budgeting in a category. You can also just pull up a report for just that one Christmas category (deselecting all other…
- All About the Numbers
- Hot_Pink_Mill_f9e491b4d
- 2 yrs ago
- Method & Budgeting
- Reported - view
Re: Coupons - Where do they go? If you like tracking the impact of your couponing, you could add a memo to the transaction ("saved $4.50 with coupons"), but just put in the net amount that you actually spent.…
- All About the Numbers
- Hot_Pink_Mill_f9e491b4d
- 2 yrs ago
- 2
- Method & Budgeting
- Reported - view
Re: Working teenagers...separate budget or separate account? I've been thinking about this too - my daughter is hoping to get a job this summer. I will definitely get her her own YNAB account. I'm not entirely comfortable sharing our entire financial picture…
- All About the Numbers
- Hot_Pink_Mill_f9e491b4d
- 2 yrs ago
- 2
- Parenting
- Reported - view
Re: Can we talk about the buffer? OK- sounds like most of the folks that were using the prior version of YNAB are used to sticking money for the next month in one place, then "releasing it" to be budgeted at the turn of the month.…
- All About the Numbers
- Hot_Pink_Mill_f9e491b4d
- 2 yrs ago
- Tips & Tricks
- Reported - view
Can we talk about the buffer?
The cash buffer is a huge part of why YNAB is a great way to manage your finances. Reading other posts, I think I see a couple of different ways that people handle that buffer.…
- All About the Numbers
- Hot_Pink_Mill_f9e491b4d
- 2 yrs ago
- 69 replies
- 7,117
- 5
- Tips & Tricks
Re: Managing temporary debt from one month to another - inaccurate reporting Would this work: You get that return and categorize it as an inflow in the clothing category, then use the money from clothing to cover the overspending on your credit card or wherever you need to…
- All About the Numbers
- Hot_Pink_Mill_f9e491b4d
- 2 yrs ago
- 2
- Managing Debt
- Reported - view
Re: Savings is finally going in the right direction @Spring Green Projector (52a501cc58e7) I have a category that I call "savings" and I budget a certain amount to that category each month. In my bank account I have an automatic payment from my…
- All About the Numbers
- Hot_Pink_Mill_f9e491b4d
- 2 yrs ago
- 1
- YNAB Wins
- Reported - view
Re: Emergency Fund is a Must Have @Cornflower Blue Viper (2fb72f225077) A big part of that is having the data to see what 6 months of necessities really costs! Congrats on having 6 months covered - its good to have that security.
- All About the Numbers
- Hot_Pink_Mill_f9e491b4d
- 2 yrs ago
- 1
- YNAB Wins
- Reported - view
Re: Savings is finally going in the right direction I had the same cycle going pre-YNAB. I would make sure there was enough in the checking account to cover my short-term expenses, then stick everything else in savings.…
- All About the Numbers
- Hot_Pink_Mill_f9e491b4d
- 2 yrs ago
- YNAB Wins
- Reported - view
Re: With YNAB...automation is less scary! The credit card management functionality of YNAB is the feature that sold me on the product. My last budgeting tool (through my bank) always double counted all my credit card spend - once when I…
- All About the Numbers
- Hot_Pink_Mill_f9e491b4d
- 2 yrs ago
- 4
- YNAB Wins
- Reported - view
Re: Would love some tricks people use for reimbursements... I do something in between the suggestions above. I have a "Work Travel" account that all of my business travel expenses go to. I often book flights several weeks ahead of a trip,…
- All About the Numbers
- Hot_Pink_Mill_f9e491b4d
- 2 yrs ago
- Tips & Tricks
- Reported - view
Re: How to prioritize debts and savings for big events I agree with the previous posters - give yourself a cash cushion (as much of one as you can manage) going into having the baby and maternity leave. Let the dust settle and live with the budget (and…
- All About the Numbers
- Hot_Pink_Mill_f9e491b4d
- 2 yrs ago
- 1
- Managing Debt
- Reported - view
Re: How much to save in medical category (high deductible/HSA)? For me, having enough cash available to fund up to my full deductible is a serious financial stress reliever. That transitional year to an HSA is a little sketchy.…
- All About the Numbers
- Hot_Pink_Mill_f9e491b4d
- 2 yrs ago
- 1
- Saving
- Reported - view
Re: How to build a buffer If your income and expenses are consistently pretty close to each other, it does take longer to get to a point where your age of money is higher. As a previous poster noted,…
- All About the Numbers
- Hot_Pink_Mill_f9e491b4d
- 2 yrs ago
- 3
- Saving
- Reported - view
Re: New to YNAB I'm also a major planner, and at first I was kinda confused by how YNAB works. I really recommend that you make time to attend some of the webinars. The presenters do a great job of running through…
- All About the Numbers
- Hot_Pink_Mill_f9e491b4d
- 2 yrs ago
- 1
- Tips & Tricks
- Reported - view
Re: The Power of the Monthly Funding Goal I should play with scheduled transactions more - I use monthly funding goals for all my fixed (or reasonably consistent) costs, and I use the "targeted category balance by date" for longer term…
- All About the Numbers
- Hot_Pink_Mill_f9e491b4d
- 2 yrs ago
- 1
- Tips & Tricks
- Reported - view

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