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Re: Can I turn off Credit Card Payments? @Slate Gray Battery said: We pay our cards off everyone month in full (and have enough savings to do it immediately so we are not "floating" the debt).…
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 2 mths ago
- 3
- Credit Cards & Debt
- Reported - view
Re: Payment to CC in spending telling me I need a category When transfering money to an account outside the budget, a category is required because money is leaving the budget. Only transfers between accounts in the budget do not require categories.
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 2 mths ago
- 2
- Credit Cards & Debt
- Reported - view
Re: Goals - Best Practice @sgarelick I use Budgeted last Month, but this is done in my budget 2 months out where I keep my template. I would love to have a Quick Budget for a template that doesn't involve having goals at all.…
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 2 mths ago
- 1
- Using YNAB
- Reported - view
Re: Goals - Best Practice There is no best practice in regards to goals. For example, I do not use goals at all. The only best practice is to give every dollar a job and make sure it aligns with your priorities.…
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 2 mths ago
- 2
- Using YNAB
- Reported - view
Re: Credit card payment category throwing off TBB @Alan said: Each year when I create a fresh budget in January, the credit cards have a balance, and I reflect that in YNAB as the starting balance otherwise I'd never be able to reconcile.…
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 2 mths ago
- 1
- Credit Cards & Debt
- Reported - view
Re: Credit card payment category throwing off TBB @Alan If in YNAB 4 you had Pre-YNAB debt categories that were not zero but you were paying the statement balance every month, then you were riding the credit card float.
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 2 mths ago
- Credit Cards & Debt
- Reported - view
Re: Credit card payment category throwing off TBB @Alan Yes, it can be done by setting up your credit card accounts as a checking account type instead of as a credit card account type. As long as you have no overspending on your categories and no…
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 2 mths ago
- 1
- Credit Cards & Debt
- Reported - view
Re: Credit card payment category throwing off TBB The Credit card payment category in YNAB tells you how much money you have reserved for making credit card payments. This is different from YNAB4, where the category told you how much unpaid debt…
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 2 mths ago
- Credit Cards & Debt
- Reported - view
Re: Savings-Budgeting & Recording @Thony YNAB is the plan for your money. You can always make changes to your plan and move money between categories. You give every dollar a job. Some jobs are for spending now,…
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 2 mths ago
- Saving & Investing
- Reported - view
Re: Credit Cards - Budgeting Catergories VS Fixed Amount No. Budget to your categories and spend from your categories. The method of payment is not relevant.
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 2 mths ago
- 3
- Credit Cards & Debt
- Reported - view
Re: Savings separate from Age of money ?? Age of money is a spending metric and has nothing to do with the money you have in your accounts. Just ignore it.
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 2 mths ago
- Using YNAB
- Reported - view
Re: I have a lot of money left in "to-be-budgeted"? Did your December and January transactions get added to YNAB? Do you spend money using credit cards? Did you go back and budget your true expenses and savings goals in the months you skipped?
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 2 mths ago
- 1
- Setting Up Your Budget
- Reported - view
Re: Savings-Budgeting & Recording In YNAB you save money by budgeting it to a category and not spending it. The balance will carry over from month to month in that category.
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 2 mths ago
- 1
- Saving & Investing
- Reported - view
Re: Viewing budget vs account @Cadet Blue Sander Your problem is you need to review account balances and keep your transactions up to date. This is a cash flow issue and involves looking at your account register and account…
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 2 mths ago
- 1
- Using YNAB
- Reported - view
Re: Previous month budgeted amounts overspent? @Melissa yes, the Toolkit has an option to color Credit Overspending red instead of yellow.
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 2 mths ago
- Using YNAB
- Reported - view
Re: Viewing budget vs account @Cadet Blue Sander You need to keep some padding in your checking account to be able to have money for spending that is not covered by reviewing future scheduled transactions.…
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 2 mths ago
- 2
- Using YNAB
- Reported - view
Re: I give up on credit cards @Vibrant @Vibrant said: the available payment amount should always inversely match the total balance of the card More accurately it should be the exact amount needed to pay off the entire card…
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 2 mths ago
- 2
- Credit Cards & Debt
- Reported - view
Re: Closing the Loop On Credit Card Return Credit @WhoMovedMyCheese @WhoMovedMyCheese said: C) Its flagging $185 as available to be spent on glasses, or to recategorized...that I no longer have. Because the credit card company already lowered my…
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 2 mths ago
- Credit Cards & Debt
- Reported - view
Re: Monthly average per category Income and Expense report will show a monthly average along the selected report timeframe. The Category Inspector on the budget screen will show average spent using up to a 12 month average.
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 2 mths ago
- Setting Up Your Budget
- Reported - view
Re: Cash account does not show as an option for transfer The account you are viewing the register for will not appear in the list (you can't transfer from an account to itself).
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 2 mths ago
- 1
- Using YNAB
- Reported - view
Re: pre-excising Credit card balance Is the balance showing as a positive or negative number? It should be a negative number.
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 2 mths ago
- 1
- Credit Cards & Debt
- Reported - view
Re: Previous month budgeted amounts overspent? @Navy Blue Koala said: I think if I didn't the bank and cc accounts won't reconcile. Sure they will. Reconciling is a an account/transaction function, and has nothing to do with whether you have…
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 2 mths ago
- 2
- Using YNAB
- Reported - view
Re: How to conceptualize "3- to 6-months' savings" @Superbone and let's not forget that I was actually conservative. I spent 4 years building a taxable investment account outside the budget before I brought it into the budget using leftover money…
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 2 mths ago
- 1
- Saving & Investing
- Reported - view
Re: Seeking advice: where to focus debt paydown? @ddreger you have 2.5 years left on that car loan. Is there a minimum payment on the LOC? Do you get hit with back interest if you can't pay off the 0% in time?…
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 2 mths ago
- 1
- Dealing with Debt
- Reported - view
Re: To be budgeted amount on budget not updating Have you budgeted money in future months? What does your TBB show in future months? What do the headers show in future months?
- nolesrule
- Been waiting 5 years for the Stealing From the Future fix...
- nolesrule
- 2 mths ago
- Using YNAB
- Reported - view

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

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