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Re: Budgeted and Activity columns? https://www.youneedabudget.com/ultimate-get-started-guide/
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 8 days ago
- 2
- Setting Up Your Budget
- Reported - view
Re: Robo-Advisors: Betterment vs. SoFi @goose61282 I'm a big fan of the Three Fund Portfolio for it's elegant simplicity. While I don't have exactly 3 funds (for various reasons), they all fall into one of the 3 for the purposes of…
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 8 days ago
- Saving & Investing
- Reported - view
Re: Savings Goals vs. Spending Goals @Erica Overspending in a category results in a reduced To Be Budgeted amount in the next month or will becomes uncovered credit card debt, depending on if the overspending is cash or credit.…
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 9 days ago
- Using YNAB
- Reported - view
Re: Robo-Advisors: Betterment vs. SoFi You don't need a robo advisor for a Roth IRA and you certainly don't need to pay fees. Those extra fees will add up to a lot ofyour money being paid to someone else unnecessarily over the long run.…
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 9 days ago
- 2
- Saving & Investing
- Reported - view
Re: Outgrown YNAB? @Pink Pegasus My wife has never done any data entry in YNAB in 6.5 years. She did put the app on her phone so she can see how much is in what category,…
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 12 days ago
- 4
- YNAB Wins
- Reported - view
Re: Finding a positive balance in many hidden categories @Matthew Just adding the balances to the pop-up that lists the hidden categories on the budget screen would go a long way to mitigating this sort of issue.
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 12 days ago
- 4
- Using YNAB
- Reported - view
Re: Outgrown YNAB? @Pink Pegasus I'm still not sure I get it. I've never met an average month in all the years I've been using YNAB. Some day I'll have to review the standard deviation.…
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 12 days ago
- 1
- YNAB Wins
- Reported - view
Re: Outgrown YNAB? @Pink Pegasus That's a terribly reactive plan. You can't pay your true expenses with money you used months ago to pay down student loans. There is an alternative involving having your investment…
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 12 days ago
- YNAB Wins
- Reported - view
Re: Political Donations Category? I break out my Giving category group into several categories, depending on the type of giving. The main one that holds all the funds is the DAF category because by default that's where the money…
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 12 days ago
- Setting Up Your Budget
- Reported - view
Re: Goal Type: Budget X per month that allows accumlating If you aren't actually funding it $200 per month, you are going to have issues no matter how you do it. I would suggest for all your True Expenses categories (like this one),…
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 12 days ago
- 2
- Using YNAB
- Reported - view
Re: Credit card overspending @Pickle of the North @Pickle of the North said: I diverge from the YNAB philosophy in that if I need a new fridge or something, I’ll take it out of the emergency fund rather than budgeting for it in…
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 13 days ago
- 2
- Credit Cards & Debt
- Reported - view
Re: Emergency Fund or Age money? Aging money doesn't mean having money for emergencies, and the measurement that YNAB provides is useless. I mean, the easiest way to age your money is to take on debt that you don't pay,…
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 13 days ago
- 1
- Setting Up Your Budget
- Reported - view
Re: To Roll Over or Not to Roll Over 401(k)? Advice? @Budget_NC It's hard to speculate on future tax rates. Yeah, the current rates will revert in a few years, but generally speaking tax rates have come down despite everyone thinking they should go up.…
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 13 days ago
- 3
- Saving & Investing
- Reported - view
Re: Market or Principal @RIP_MSMoney Like @dakinemaui points out look for a rate that includes a lender credit that would cover the closing costs. If it lowers the monthly payment,…
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 13 days ago
- Saving & Investing
- Reported - view
Re: starting balances Rule 1. Give every dollar a job. Every dollar. Not just new dollars. The money you currently have in accounts is in those accounts for a reason or (more likely several reasons).…
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 13 days ago
- 1
- Setting Up Your Budget
- Reported - view
Re: To Roll Over or Not to Roll Over 401(k)? Advice? @Budget_NC Feel free to disagree with me. You're wrong. 😉 It only makes sense to convert the funds in a year you will be in a lower tax bracket or to avoid having to withdraw them in a higher tax…
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 13 days ago
- 2
- Saving & Investing
- Reported - view
Re: How do you all track religious tithing with variable income? I have a lot of misgivings about the modern concept of tithing, because it has been changed from the intended purpose for which it was originally commanded.…
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 13 days ago
- 8
- Setting Up Your Budget
- Reported - view
Re: Market or Principal Here's the mathematically correct answer: 1. If you are going to buy equities with that money, you'll come out ahead on a risk adjusted basis. 2. If you are going to buy bonds with that money,…
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 13 days ago
- Saving & Investing
- Reported - view
Re: To Roll Over or Not to Roll Over 401(k)? Advice? Quite frankly there's not enough information in this post to make a recommendation (filing status, current tax bracket, etc.), but here's my take... Most people will be in a lower tax bracket when…
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 2 wk ago
- 1
- Saving & Investing
- Reported - view
Re: Inspector differs from Reports on Avg. Spent, Why? @B's Gambit Average spent on the budget screen is for the previous 12 months. It does not include the current month you are on.
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 2 wk ago
- 3
- Using YNAB
- Reported - view
Re: Inspector differs from Reports on Avg. Spent, Why? You are looking at the January 2021 budget screen? That's the only detail that was not provided.
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 2 wk ago
- Using YNAB
- Reported - view
Re: How to avoid "double reporting" with loan proceeds and lines of credit @dakinemaui said: an alternative is to bring in the initial funds categorized as Loan Payback instead of TBB. The subsequent payments (against the same category) will cancel that inflow,…
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 2 wk ago
- Setting Up Your Budget
- Reported - view
Re: Tracking Future Planning for Investments @tan_trombone Given all of this, I think you are overthinking it. You know the initial amount. You know you might draw from it for personal use and whether you do or not doesn't seem to matter,…
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 2 wk ago
- 1
- Saving & Investing
- Reported - view
Re: Tracking Future Planning for Investments I'm not big on doing things by account, but in this case I'm going to suggest you just put that money in its own investment account. Whatever money is in there can then be used for future expenses.…
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 2 wk ago
- Saving & Investing
- Reported - view
Re: Credit card overspending @Annieland @Annieland said: I keep my CC accounts as CC's because I'm just used to it that way. I keep my CCs as CCs for the artificial AOM inflation. I need validation. 🤣
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 2 wk ago
- 2
- Credit Cards & Debt
- Reported - view

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Been waiting 5 years for the Stealing From the Future fix...

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