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Goal Type: Budget X per month that allows accumlating
I have a Yard Care category in my budget. How do I budget $200 per month, but ensure that if I pull from that category, my goal target is accurate? Example:…
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- 10 mths ago
- 2 replies
- 72
- Using YNAB
Re: Dealing with large overspend in November @dakinemaui how exactly do I ride the CC float? What would the impact to my budget look like?
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- 11 mths ago
- Tips & Tricks
- Reported - view
Dealing with large overspend in November
I'm a long time YNABer who is up against their first material overspend since buffering themselves out 1 month. Combination of large unexpected home related expenses,…
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- 11 mths ago
- 6 replies
- 147
- 1
- Tips & Tricks
Budgeting & using YNAB with my spouse
I've been using YNAB for over 3 years now. In that 3 years, I've never really been able to get my wife to be an active participant in it's use. I think her view is "I'm on top of the finances and…
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- 1 yr ago
- 4 replies
- 272
- 1
- Money & Relationships
Re: Budgeting for Home Expenses @nolesrule I meant Household Goods vs. Home Improvement.
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- 1 yr ago
- Setting Up Your Budget
- Reported - view
Re: Budgeting for Home Expenses @nolesrule I've been thinking (probably overthinking) this category. Do you put these $50 items into Household Goods because they happen with some level of frequency?…
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- 1 yr ago
- Setting Up Your Budget
- Reported - view
Re: Quick Budgeting: Budgeted Last Year? @nolesrule thank you! I think I figured it out, and it's beyond helpful. 3 Questions: 1. How would you set your budget in these categories as a first time homeowner?…
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- 1 yr ago
- Setting Up Your Budget
- Reported - view
Re: Quick Budgeting: Budgeted Last Year? @nolesrule can you give an example of the workflow/calculation used to do this?
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- 1 yr ago
- Setting Up Your Budget
- Reported - view
Need Help Overhauling Budget: Way too confusing
I've been using YNAB for a few years now, and it has been a great tool to help me plan spending. We are buffered 1 month, and have been able to save enough to buy a house with a renovation as well.…
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- 1 yr ago
- 14 replies
- 246
- 1
- Setting Up Your Budget
Re: Budgeting for Home Expenses I have a notoriously difficult time budgeting for Home/Wish type expenses. I just bought paint samples for the paint before having the rooms in the house painted.…
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- 1 yr ago
- Setting Up Your Budget
- Reported - view
Re: Budgeting for Home Expenses @Scott When you do that do you then hide the Wish Farm category, or delete? Do you ever budget to the main Home Improvement category directly? If so, how do you decide what you are going to budget?…
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- 1 yr ago
- Setting Up Your Budget
- Reported - view
Re: Budgeting for Home Expenses @Scott I like this approach. I do Household Goods for cleaning supplies, paper towels, etc. When it comes to your Home Improvement wish farm, do you create separate categories with a goal for each…
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- 1 yr ago
- Setting Up Your Budget
- Reported - view
Re: Budgeting for Home Expenses @dakinemaui Household Goods seems like a big catch-all for you. How do you budget that category? Would a new couch fall there for you?
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- 1 yr ago
- Setting Up Your Budget
- Reported - view
Re: Budgeting for Home Expenses @nolesrule What else would fall into Household Goods? What is the difference between Household Goods and Home Improvement? New Sheets, Shower curtain, etc.…
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- 1 yr ago
- Setting Up Your Budget
- Reported - view
Re: Budgeting for Home Expenses @dakinemaui Sorry, I meant pay for equipment (i.e. ADT).
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- 1 yr ago
- Setting Up Your Budget
- Reported - view
Budgeting for Home Expenses
I'm a first time homeowner who is going through the process of a renovation prior to moving in. Some of the renovation items are for replacement/fixes that came out of the Home Inspection (i.e.…
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- jestarr
- 1 yr ago
- 26 replies
- 581
- 1
- Setting Up Your Budget
Re: Home Renovation: Use 1 Month Buffer, or 401K Loan? The responses in this thread are the reason that I asked the question to this community in the first place. I anticipated getting a good response, and got tons!…
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- 1 yr ago
- 5
- Saving & Investing
- Reported - view
Re: Home Renovation: Use 1 Month Buffer, or 401K Loan? @Superbone Your response was super, super helpful. I never thought of it this way. I have the cash reserves, and I can always use the 401K in an emergency if needed.…
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- 1 yr ago
- 2
- Saving & Investing
- Reported - view
Re: Home Renovation: Use 1 Month Buffer, or 401K Loan? @farfromtheusual Everything is said and done with the mortgage.
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- 1 yr ago
- Saving & Investing
- Reported - view
Re: Home Renovation: Use 1 Month Buffer, or 401K Loan? @nolesrule In my case it would be a loan, not a withdrawal. It would get paid back on a bi-weekly basis from my paycheck. Your point about it being paid with after tax dollars is totally well taken.
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- 1 yr ago
- Saving & Investing
- Reported - view
Re: Home Renovation: Use 1 Month Buffer, or 401K Loan? @WordTenor Appreciate your words! My wife and I are definitely trying to balance our need vs. nice to have. Unfortunately the prior owner was an older couple that neglected the house.…
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- 1 yr ago
- Saving & Investing
- Reported - view
Re: Home Renovation: Use 1 Month Buffer, or 401K Loan? @jenmas Thanks. I'd be able to pay back if I left the company using direct deposit, but your points are well taken. Thank you!
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- 1 yr ago
- Saving & Investing
- Reported - view
Home Renovation: Use 1 Month Buffer, or 401K Loan?
My wife and I are new homeowners. We are doing some renovations on the house before we move in. Hey there! I'm looking for your perspective on something.…
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- 1 yr ago
- 24 replies
- 164
- Saving & Investing
Re: Budgeting for first time Homeowner @nolesrule How would you categorize tools you buy for the house, and misc. items (i.e. mailbox, new locks, etc). How do you budget for those on a monthly basis?
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- 1 yr ago
- Setting Up Your Budget
- Reported - view
Re: Budgeting for first time Homeowner @Move Light Sound Life so in your example, do you not budget into the Technology replacement category?
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- jestarr
- 1 yr ago
- Setting Up Your Budget
- Reported - view

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