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Re: Being fully buffered for next month - convenience or true game-changer? I would love to be buffered, but paying off my debt is my priority right now. So unexpected inflows go straight to debt. For me, extra income (i.e. I've fully funded October,…
- Heatskitchen
- heatskitchen
- 2 wk ago
- 1
- Tips & Tricks
- Reported - view
Re: Feeling antsy, want to pay off some debt, but should I? @internettie That's totally valid! And finding what your right emergency fund level is, is important! As you mentioned below, you're already on a lower income, so $500 does sound right.…
- Heatskitchen
- heatskitchen
- 4 wk ago
- 1
- Managing Debt
- Reported - view
Re: Feeling antsy, want to pay off some debt, but should I? @internettie Oooh I misread your post where, before options, you described your savings. Apologies! Personally, I'd keep what you have now and just snowball everything as much as possible by the…
- Heatskitchen
- heatskitchen
- 4 wk ago
- 1
- Managing Debt
- Reported - view
Re: Feeling antsy, want to pay off some debt, but should I? @Heatskitchen I say this because, worst comes to worst, you drop your buffer a bit as your emergency fund.
- Heatskitchen
- heatskitchen
- 4 wk ago
- Managing Debt
- Reported - view
Re: Feeling antsy, want to pay off some debt, but should I? Since you have three months expenses saved on top of this, I would 100% use all this money toward debt. I would pay off in full what I could, then throw to the next best option using undebt.…
- Heatskitchen
- heatskitchen
- 4 wk ago
- 1
- Managing Debt
- Reported - view
Re: Does anyone in a couple budget alone? Yep, this is me. My husband doesn't know logins to any of the accounts. We just moved and he can't even remember to enter the correct zip code when using his credit card.…
- Heatskitchen
- heatskitchen
- 1 mth ago
- 2
- Money & Relationships
- Reported - view
Re: Capital One Credit Cards - This is completely unacceptable. You are paying for the bliss that comes with financial freedom. I also have Capital One and have the import setup, but these delays really haven't bothered me.…
- Heatskitchen
- heatskitchen
- 1 mth ago
- Bank Importing
- Reported - view
Re: 1Password and other options I use both LastPass, Chrome and Apple Keychain. The Keychain is easier imo but I don't have a Mac, just an iphone - so it's great on mobile. My company uses GSuite and enables the password manager.…
- Heatskitchen
- heatskitchen
- 1 mth ago
- Tips & Tricks
- Reported - view
Re: Transfer funds/To be budgeted issues. You have to do two steps here. 1. Transfer in YNAB using the Transfer To/From from savings to checking. 2. Whatever category you are taking the money from and moving to TBB,…
- Heatskitchen
- heatskitchen
- 2 mths ago
- 1
- Accounts & Transactions
- Reported - view
Re: Recover deleted categories FYI if anyone does this in the future - contact Support. This was (part of) their response: "Yes, we are able to recover deleted categories for you, to a certain extent.…
- Heatskitchen
- heatskitchen
- 3 mths ago
- App Functions
- Reported - view
Re: Recover deleted categories @jenmas @dakinemaui yep - I was on the phone. Which I almost never make major changes except on-the-go transactions :( :( :(
- Heatskitchen
- heatskitchen
- 3 mths ago
- App Functions
- Reported - view
Recover deleted categories
I have a note to support, but thought I'd check here. Is there any way to recover deleted categories? I was working in the app (which I normally don't do) and inadvertently deleted a whole category…
- Heatskitchen
- heatskitchen
- 3 mths ago
- 5 replies
- 74
- App Functions
- Answered
- Answered
Re: Not a great Start Import is nice, but not necessary. I'd just recommend reconciling daily.
- Heatskitchen
- heatskitchen
- 4 mths ago
- 1
- Bank Importing
- Reported - view
Re: Large Medical Expense: Pay it off completely or take the interest free payment plan? I personally don't think there's a right or wrong. If you have the money, plus some extra, I personally would pay it off to free up the cash flow. Or take the 0%,…
- Heatskitchen
- heatskitchen
- 4 mths ago
- Managing Debt
- Reported - view
Re: I couldn't get YNAB to work for me. I like the reconciliation. Yes, the downloads can be a bit of a pain, but I just manually clear the items. I take 5 minutes to reconcile daily, and I love it. Best of luck to you in the future.
- Heatskitchen
- heatskitchen
- 4 mths ago
- 1
- App Functions
- Reported - view
Re: Red card I have never thought of this, but it is genius! I may consider it in the future. How would you track it in your budget tho?
- Heatskitchen
- heatskitchen
- 4 mths ago
- Tips & Tricks
- Reported - view
Credit Overspending
I'm sure this has been answered, but my searches haven't been successful. I overspent on a credit card earlier this month. I knew I was getting paid soon, so decided to roll with it instead of WAM.…
- Heatskitchen
- heatskitchen
- 4 mths ago
- 6 replies
- 111
- Credit Cards
Re: Health Insurance Question: Which Plan? @RIP_MSMoney Mine is an HSA, so I fully fund it to take the funds with me. I've never heard of an HCA, but assuming it's similar to an FSA, if you expect to have medical expenses,…
- Heatskitchen
- heatskitchen
- 5 mths ago
- Tips & Tricks
- Reported - view
Re: Health Insurance Question: Which Plan? @eloquentz And this is why I always look at the out of pocket maximum as a worst case scenario. You can run the worst case, and then look at your 'expected' costs and determine the level of risk…
- Heatskitchen
- heatskitchen
- 5 mths ago
- Tips & Tricks
- Reported - view
Re: Health Insurance Question: Which Plan? @Tobias It's not terrible! A lot of people don't understand anything about how insurance works. For instance, I just changed jobs. I have two young kids,…
- Heatskitchen
- heatskitchen
- 5 mths ago
- Tips & Tricks
- Reported - view
Re: Health Insurance Question: Which Plan? @Heatskitchen Also, I am looking at this solely from the health insurance perspective. @Patzer has some great points below regarding the investment option if you are more interested in that end.
- Heatskitchen
- heatskitchen
- 5 mths ago
- Tips & Tricks
- Reported - view
Re: Health Insurance Question: Which Plan? I secretly love looking at stuff like this. I actually do a calculation of the worst case scenario. Take the total premium cost, and add it to the out of pocket maximum for each plan.…
- Heatskitchen
- heatskitchen
- 5 mths ago
- Tips & Tricks
- Reported - view
Re: Too Easy to Cover Shortages... I might suggest getting rid of the deferred income category. Why not actually assign those dollars to your specific categories in the next month? If you need to WAM,…
- Heatskitchen
- heatskitchen
- 5 mths ago
- 1
- Method & Budgeting
- Reported - view
Re: Capital One issues @Heatskitchen Also, I'll point out, this is actually due to Capital One making changes. Then YNAB needs to update their connection. Same thing happened when I was using Qapital.…
- Heatskitchen
- heatskitchen
- 5 mths ago
- Bank Importing
- Reported - view
Re: Capital One issues So while the direct import not working is annoying, I don't find it a huge deal. You should be reconciling on occasion to ensure everything is correct.…
- Heatskitchen
- heatskitchen
- 5 mths ago
- 1
- Bank Importing
- Reported - view

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Heatskitchen

heatskitchen

Wisconsin

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