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Re: Repeating goals Thank you @dakinemaui ! I was hoping that would be the case because it makes my life so much simpler :)
- Heatskitchen
- heatskitchen
- 4 mths ago
- 1
- Using YNAB
- Reported - view
Re: How to deal with credit card product credits/returns.. You did all you need to. If you ever overpay your credit card, you may need to move the money from the credit card category to TBB. But assuming you haven't overpaid, you should be fine.
- Heatskitchen
- heatskitchen
- 4 mths ago
- 1
- Using YNAB
- Reported - view
Repeating goals
Quick question on the new repeat goals functionality to make sure I'm understanding how it works correctly. If we stick with holiday gifts as the example.…
- Heatskitchen
- heatskitchen
- 4 mths ago
- 2 replies
- 45
- Using YNAB
Re: Looking for a little input When I came into YNAB like you, I was using some Dave Ramsey. I wanted to have the $1,000 EF before putting more toward savings. Since you have a little over a year to payoff,…
- Heatskitchen
- heatskitchen
- 5 mths ago
- 1
- Credit Cards & Debt
- Reported - view
Re: Pet healthcare expenses I have a category for my pets. It includes regular expenses (food, litter) and vet visits. We utilize the average spend for most categories and let it rollover.…
- Heatskitchen
- heatskitchen
- 7 mths ago
- Setting Up Your Budget
- Reported - view
Re: Goals & WAM-ing I think @Blue Wildcat is right - I just need to get over needing to see green everywhere :)
- Heatskitchen
- heatskitchen
- 8 mths ago
- 2
- Setting Up Your Budget
- Reported - view
Re: Goals & WAM-ing @Blue Wildcat Thanks for this response. I think the problem I'm having is that I had additional funds in addition to the goal amount already in my dining out category from last year.…
- Heatskitchen
- heatskitchen
- 8 mths ago
- 1
- Setting Up Your Budget
- Reported - view
Goals & WAM-ing
YNABer for a little over a year. I just started using goals in earnest. I thought I understood them, but am struggling with this concept. I have the majority of my categories setup as Monthly…
- Heatskitchen
- heatskitchen
- 8 mths ago
- 6 replies
- 121
- Setting Up Your Budget
Re: Using a Credit Card that you pay off monthly... I do this and was comfortable a few months after starting YNAB. Put all your cards on autopay. I have a interest earning checking & savings so I maximize keeping my money there,…
- Heatskitchen
- heatskitchen
- 8 mths ago
- Credit Cards & Debt
- Reported - view
Re: Question regarding dining out category It's a personal decision. We do dining out which includes take out/delivery/restaurants that we eat as a family . My husband and I each have fun money categories where if we do meals with friends…
- Heatskitchen
- heatskitchen
- 8 mths ago
- Setting Up Your Budget
- Reported - view
Re: Budgeting with spouse @Powder Blue Pony Honestly my husband has barely looked at our budget. He knows I'm in charge of the finances (by his choice) and listens if I tell him we can't do something.…
- Heatskitchen
- heatskitchen
- 8 mths ago
- 4
- Money & Relationships
- Reported - view
Re: Budgeting with spouse My husband and I joined accounts when we got married and looked at buying a house. We haven't gone back. I'll admit, he doesn't really do YNAB, but he also doesn't do much with the finances.…
- Heatskitchen
- heatskitchen
- 8 mths ago
- 2
- Money & Relationships
- Reported - view
Re: 401k and HSA + general savings confusion @nolesrule Thanks for these comments - very true! I do like the IRA as I have better options/returns. And I wasn't aware of what happened with the HSA if it went to a non-spouse.…
- Heatskitchen
- heatskitchen
- 8 mths ago
- 1
- Saving & Investing
- Reported - view
Re: 401k and HSA + general savings confusion For your 401(k), at a minimum, contribute the percentage where the employer gives a match. This is effectively free money. If you have other priorities, like debt,…
- Heatskitchen
- heatskitchen
- 8 mths ago
- Saving & Investing
- Reported - view
Re: 2 things I cannot wrap my head around (savings fund + "budgeting") When I started YNAB, and really until now (a year later) I was really using it as a tracking tool. I made sure I never went over budget for the month, but just filled categories as I needed them.…
- Heatskitchen
- heatskitchen
- 9 mths ago
- 1
- Setting Up Your Budget
- Reported - view
Re: Capital One change prevents account linking Capital One has higher security due to some breeches they've had. It's on their end that they won't let YNAB connect. I have Capital One and have been using YNAB for a year.…
- Heatskitchen
- heatskitchen
- 9 mths ago
- 3
- Using YNAB
- Reported - view
Re: Paying CC off in full mid month @Spring Green Trumpet I have capital one 360 and transfer funds betweeen checking and savings. It fluctuates and I’m sure I could find better rates but it’s something.…
- Heatskitchen
- heatskitchen
- 9 mths ago
- 2
- Tips & Tricks
- Reported - view
Re: Paying CC off in full mid month @Superbone I have the same logic as you. I pay all my bills on the due date, but I've always been pretty well organized in that regard. It took a few months of me on YNAB to understand how the…
- Heatskitchen
- heatskitchen
- 9 mths ago
- 2
- Tips & Tricks
- Reported - view
Re: Where did my budget gone? @Bob Millfred Feature request form: https://youneedabudget.typeform.com/to/Pt6cek
- Heatskitchen
- heatskitchen
- 9 mths ago
- Credit Cards & Debt
- Reported - view
Re: Where did my budget gone? @Bob Millfred Interesting point I hadn't considered. I could see it then. But yes, as @dakinemaui mentioned, then you don't need to budget for a CC payment.…
- Heatskitchen
- heatskitchen
- 9 mths ago
- Credit Cards & Debt
- Reported - view
Re: Where did my budget gone? *assuming you aren't carrying credit card debt* The only time you need to budget to the credit card is the first month where you have to payoff the balance when you start YNAB.…
- Heatskitchen
- heatskitchen
- 9 mths ago
- Credit Cards & Debt
- Reported - view
Re: How do I know where the extra dollars are in my budget? We also aren't a month ahead, but we are aggressively prioritizing paying off debt. I don't usually actually pay money towards debt until the end of the month.…
- Heatskitchen
- heatskitchen
- 9 mths ago
- 1
- Setting Up Your Budget
- Reported - view
Re: Confused - How does giving every dollar in my savings a 'job' help me save money? @Superbone yeah I do scheduled transactions so this is a good thought
- Heatskitchen
- heatskitchen
- 9 mths ago
- 1
- Saving & Investing
- Reported - view
Re: Confused - How does giving every dollar in my savings a 'job' help me save money? A lot of the comments above echo what I'm about to say. It's knowing what the money is for, and to me, it was everything that had been missing from my financial life.…
- Heatskitchen
- heatskitchen
- 9 mths ago
- 4
- Saving & Investing
- Reported - view
Re: Budgeting for Gifts @dakinemaui Yep, I totally agree about the average. I'm okay WAM-ing, and figure it should even out as we continue on!
- Heatskitchen
- heatskitchen
- 11 mths ago
- Setting Up Your Budget
- Reported - view

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