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Re: The Official 2020 Debt Smackdown @Ruth Elizabeth July update: Private loan and husband's federal loans both paid in full! Still making payments towards my federal loan that is in the PSLF program.
- Ruth Elizabeth
- Soil Scientist
- Sapric_Histisols
- 2 mths ago
- 4
- Community Challenges
- Reported - view
Re: The Official 2020 Debt Smackdown @Ruth Elizabeth During May we used the payment we would have made for my federal loans towards my private loan again, which means we were able to make an extra payment of $372.99.…
- Ruth Elizabeth
- Soil Scientist
- Sapric_Histisols
- 4 mths ago
- 2
- Community Challenges
- Reported - view
Re: How do I set up a budget for each of my kids on YNAB We have created separate budgets for each child under our sign-in information. If you look in the upper left corner under the budget screen where it says My Budget you'll see a drop down menu.…
- Ruth Elizabeth
- Soil Scientist
- Sapric_Histisols
- 5 mths ago
- 1
- Parenting
- Reported - view
Re: Age of Money - Twenty-twenty! @Ruth Elizabeth April Age of Money and Days of Buffering:
- Ruth Elizabeth
- Soil Scientist
- Sapric_Histisols
- 5 mths ago
- 1
- Community Challenges
- Reported - view
Re: Age of Money - Twenty-twenty! @Ruth Elizabeth March Age of Money and Days of Buffering:
- Ruth Elizabeth
- Soil Scientist
- Sapric_Histisols
- 5 mths ago
- 1
- Community Challenges
- Reported - view
Re: 2020: The Official YNAB Savings Challenge @Ruth Elizabeth $1961.81 budgeted in May for savings. $341.97 saved for short term goals. $766.39 saved for long term goals. $600.00 saved for house expenses. $253.45 saved for wish farm.
- Ruth Elizabeth
- Soil Scientist
- Sapric_Histisols
- 5 mths ago
- 1
- Community Challenges
- Reported - view
Re: The Official 2020 Debt Smackdown @Ruth Elizabeth We made some changes to our payment plan since my federal loan is in forbearance and not accruing interest right now. Also, this time still counts towards payments made for federal…
- Ruth Elizabeth
- Soil Scientist
- Sapric_Histisols
- 5 mths ago
- 1
- Community Challenges
- Reported - view
Re: 2020: The Official YNAB Savings Challenge @Ruth Elizabeth We have budgeted $1704.88 for April for savings. $282.45 saved for short term goals such as summer activities (although right now I'm thinking our summer activities will be sitting…
- Ruth Elizabeth
- Soil Scientist
- Sapric_Histisols
- 6 mths ago
- 1
- Community Challenges
- Reported - view
Re: The Official 2020 Debt Smackdown @Ruth Elizabeth This check-in is a little late since we wanted to make sure everything was stable with jobs before we sent extra payments towards debt. March check-in: We paid $1,190.…
- Ruth Elizabeth
- Soil Scientist
- Sapric_Histisols
- 6 mths ago
- 3
- Community Challenges
- Reported - view
Re: Pet healthcare expenses @dkvet I guess waste of money was a poor choice of words. They told me we would end up spending more money for pet insurance than we would ever likely get out of it.…
- Ruth Elizabeth
- Soil Scientist
- Sapric_Histisols
- 6 mths ago
- 3
- Method & Budgeting
- Reported - view
Re: Pet healthcare expenses We have a vet category, although that is mainly used for well visits and vaccinations for our cats. When one of our cats needed emergency care in the past we have pulled from our emergency fund.…
- Ruth Elizabeth
- Soil Scientist
- Sapric_Histisols
- 6 mths ago
- 1
- Method & Budgeting
- Reported - view
Re: Success Stories: Budgeting with Someone Else @Cadet Blue Boa That sounds like a really creative approach to budgeting together without jeopardizing your relationship.
- Ruth Elizabeth
- Soil Scientist
- Sapric_Histisols
- 7 mths ago
- YNAB Wins
- Reported - view
Re: March is Get Off the Credit Card Float month We used our tax return money last year to pay off the last of our credit cards. Since then we've only used cards for pre-budgeted purchases. We pay off the balances on the cards as soon as we make…
- Ruth Elizabeth
- Soil Scientist
- Sapric_Histisols
- 7 mths ago
- 4
- Managing Debt
- Reported - view
Re: The Official 2020 Debt Smackdown @Ruth Elizabeth I'm threading my updates so they're easier to find in the future. We have all our March payments budgeted but haven't made any yet. It looks like we may need to reduce the size of…
- Ruth Elizabeth
- Soil Scientist
- Sapric_Histisols
- 7 mths ago
- 4
- Community Challenges
- Reported - view
Re: 2020: The Official YNAB Savings Challenge @Ruth Elizabeth We have $1598.27 budgeted for March for savings. $307.93 saved for short term goals such as summer activities, birthdays, and Christmas. $790.…
- Ruth Elizabeth
- Soil Scientist
- Sapric_Histisols
- 7 mths ago
- 2
- Community Challenges
- Reported - view
Re: Age of Money - Twenty-twenty! @Ruth Elizabeth Age of money and days buffering for the February End of Month Check-In. The next month is going to be hectic on the finances (we're closing on a house on the 13th of March).…
- Ruth Elizabeth
- Soil Scientist
- Sapric_Histisols
- 7 mths ago
- Community Challenges
- Reported - view
Re: Record loans while they are growing? Looking back, I wish I had been more on top of the amount I borrowed and how much I owed while I was in school. Maybe seeing the balance would have motivated me to make payments while I was still…
- Ruth Elizabeth
- Soil Scientist
- Sapric_Histisols
- 8 mths ago
- Managing Debt
- Reported - view
Re: The Official 2020 Debt Smackdown @Orchid Guitar I really like the Forks over Knives meal plan for whole food plant based. It's an annual subscription, I would wait for a sale. You can specify any allergies and you can adjust…
- Ruth Elizabeth
- Soil Scientist
- Sapric_Histisols
- 8 mths ago
- 1
- Community Challenges
- Reported - view
Re: YNAB podcast - Student Loan Syndrome: an Interview with Ryan Law Thanks for posting this! I am currently reading the book. I need any and all advise to pay off my student loans!
- Ruth Elizabeth
- Soil Scientist
- Sapric_Histisols
- 8 mths ago
- Student Life
- Reported - view
Re: Sharing a budget with my partner @Powder Blue Pony Usually she sees me on the laptop looking at the budget and wants to see her budget. She looks over the household budget with me and then I'll switch over to hers.…
- Ruth Elizabeth
- Soil Scientist
- Sapric_Histisols
- 8 mths ago
- 1
- Money & Relationships
- Reported - view
Re: Sharing a budget with my partner @Powder Blue Pony My eight year old has a budget on our account and she likes to add categories during her quiet time on the weekends. I've never considered what would happen if she switched over to…
- Ruth Elizabeth
- Soil Scientist
- Sapric_Histisols
- 8 mths ago
- Money & Relationships
- Reported - view
Re: The Official 2020 Debt Smackdown February check-in: $1190.56 paid towards debt. $372.99 towards my federal student loans. Balance is $118,783.90. $600.00 towards my private student loans. Balance is $2841.47. $217.…
- Ruth Elizabeth
- Soil Scientist
- Sapric_Histisols
- 8 mths ago
- 7
- Community Challenges
- Reported - view
Re: Amazon Anonymous, Anyone? @smella Thanks for bumping this! We're moving into a new home next month and I know the temptation will be to just order everything rather than waiting to make sure it's actually needed.
- Ruth Elizabeth
- Soil Scientist
- Sapric_Histisols
- 8 mths ago
- Community Challenges
- Reported - view
Re: Success Stories: Budgeting with Someone Else My husband was not very excited about budgeting when we first started. One of the first things he told me when we started dating was that he has always wanted to travel to Japan.…
- Ruth Elizabeth
- Soil Scientist
- Sapric_Histisols
- 8 mths ago
- 5
- YNAB Wins
- Reported - view
Re: The Official 2020 Debt Smackdown @BritishMuseum Thank you!
- Ruth Elizabeth
- Soil Scientist
- Sapric_Histisols
- 8 mths ago
- Community Challenges
- Reported - view

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Ruth Elizabeth

Sapric_Histisols

Soil Scientist

North Dakota

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I'm passionate about soil, feminism, and making the world a better place.