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Re: Goals & WAM-ing I think @Blue Wildcat is right - I just need to get over needing to see green everywhere :)
- Heatskitchen
- heatskitchen
- 3 days ago
- 2
- Method & Budgeting
- 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
- 3 days ago
- 1
- Method & Budgeting
- 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
- 3 days ago
- 6 replies
- 76
- Method & Budgeting
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
- 12 days ago
- Credit Cards
- 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
- 2 wk ago
- Method & Budgeting
- 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
- 2 wk 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
- 2 wk 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
- 2 wk ago
- 1
- Investing & Retirement
- 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
- 2 wk ago
- Investing & Retirement
- 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
- 1 mth ago
- 1
- Method & Budgeting
- 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
- 1 mth ago
- 1
- Accounts & Transactions
- 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
- 1 mth 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
- 1 mth 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
- 1 mth ago
- Credit Cards
- 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
- 1 mth ago
- Credit Cards
- 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
- 1 mth ago
- Credit Cards
- 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
- 1 mth ago
- 1
- Method & Budgeting
- 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
- 1 mth ago
- 1
- Saving
- 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
- 1 mth ago
- 4
- Saving
- 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
- 3 mths ago
- Method & Budgeting
- Reported - view
Re: Budgeting for Gifts @Powder Blue Pony and I like the average because each month is different! In the beginning I definitely have to WAM more, but I figure as time goes on, money will roll over and it’ll even out!
- Heatskitchen
- heatskitchen
- 3 mths ago
- 1
- Method & Budgeting
- Reported - view
Budgeting for Gifts
This is my first Christmas with YNAB. We're WAM-ing a lot, and that's fine, but have decided that going into 2020, we want to limit gifts to each person to $50 per event.…
- Heatskitchen
- heatskitchen
- 3 mths ago
- 15 replies
- 202
- Method & Budgeting
Re: IS there a grocery app which allows comparison of prices among grocery stores There isn't an app that I'm aware of, but I have my local grocery store app as well as the Target app. When I'm at Aldi, I'll search for the items I'm buying to see if they're cheaper at one of the…
- Heatskitchen
- heatskitchen
- 3 mths ago
- Tips & Tricks
- Reported - view
Re: Budgeted money is no longer there Did you have any over spent categories in November?
- Heatskitchen
- heatskitchen
- 3 mths ago
- 1
- Method & Budgeting
- Reported - view
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
- 5 mths ago
- 1
- Tips & Tricks
- Reported - view

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