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Re: YNAB makes it difficult to plan ahead! @nolesrule kindergarten? That’s impressive. My wife refuses to make the kids make their own lunches because she claims they would just pack chips or crackers. No real food.…
- Silver Dollars
- silver_dollars
- 3 yrs ago
- Setting Up Your Budget
- Reported - view
Re: YNAB makes it difficult to plan ahead! @nolesrule yeah 300 was probably an exaggeration! Although I feel it could be quite high depending on granularity. The three kids have a lot of categories if we want to break it all up,…
- Silver Dollars
- silver_dollars
- 3 yrs ago
- Setting Up Your Budget
- Reported - view
Re: Tracking your mistakes @HappyDance $75 a month! Thats great! Well, maybe that’s a very narrow category for you. My spending bucket is very much a potpourri. Some items from this month include socks and underwear,…
- Silver Dollars
- silver_dollars
- 3 yrs ago
- Setting Up Your Budget
- Reported - view
Tracking your mistakes
One of the items I am wondering how you all handle is your targets vs reality. For example, I have a category called “spending” and another for my wife’s spending.…
- Silver Dollars
- silver_dollars
- 3 yrs ago
- 10 replies
- 1,184
- Setting Up Your Budget
- Answered
- Answered
Re: YNAB makes it difficult to plan ahead! @nolesrule this is actually what I am doing currently. I go back and forth on whether it’s easier to just have one category called “utilities” or break them all out into individual items.…
- Silver Dollars
- silver_dollars
- 3 yrs ago
- 1
- Setting Up Your Budget
- Reported - view
Re: YNAB makes it difficult to plan ahead! I am currently looking at a few issues that may be related to this. One is that I have expenses that are seasonal. Examples for me are that in the Winter months,…
- Silver Dollars
- silver_dollars
- 3 yrs ago
- Setting Up Your Budget
- Reported - view
Re: Confused by Credit Card Payments @Faness at YNAB Ok, think i understand this now, and it reminded me of the bad space that I am in. While I pay all my bills and credit card payments in full each month,…
- Silver Dollars
- silver_dollars
- 3 yrs ago
- 1
- Credit Cards & Debt
- Reported - view
Confused by Credit Card Payments
Still new to YNAB, first month, and although I am a software developer and consider myself a savvy guy, the credit card system seems unintuitive to me.…
- Silver Dollars
- silver_dollars
- 3 yrs ago
- 16 replies
- 5,387
- 4
- Credit Cards & Debt
- Answered
- Answered
Re: To Be Budgeted: Am I doing this right? @WordTenor @WordTenor good point on the inverted approach. I do wish that the app showed total budget on the budget screen (unless I am missing it)
- Silver Dollars
- silver_dollars
- 4 yrs ago
- Setting Up Your Budget
- Reported - view
Re: To Be Budgeted: Am I doing this right? @ChicagoFlyer thanks flyer. Good advice. Your response made me think of another concern I’m having recently. Lots of messages from YNAB about it being ok to make mistakes and change your budget.…
- Silver Dollars
- silver_dollars
- 4 yrs ago
- Setting Up Your Budget
- Reported - view
To Be Budgeted: Am I doing this right?
Side note: 34 day trial may be too short for me to make a decision. I signed up 12/20 or so but didn’t really do anything until Jan 1. Not sure my trial would even include a month rollover.…
- Silver Dollars
- silver_dollars
- 4 yrs ago
- 10 replies
- 2,245
- 1
- Setting Up Your Budget
- Answered
- Answered
Re: Account access is read only? @Mathew Snyder - I am with you on this. Granted I have only been a user for 2 weeks, but manually entry doesn’t seem like an option. For starters there are two of us and one of me.…
- Silver Dollars
- silver_dollars
- 4 yrs ago
- Using YNAB
- Reported - view
Re: A series of method questions ... @nolesrule yes, that’s me. I have a lot of options and permutations I could go with . Nothing really seems clear. To make matters worse, my wife and I have been dreaming of a kitchen redesign for…
- Silver Dollars
- silver_dollars
- 4 yrs ago
- Setting Up Your Budget
- Reported - view
Re: A series of method questions ... @nolesrule thanks (again) nolesrule. One of the habits I have to break is overspending (which is why I joined YNAB), but the other is surplusing too much of my money, instead of investing it.…
- Silver Dollars
- silver_dollars
- 4 yrs ago
- Setting Up Your Budget
- Reported - view
Re: A series of method questions ... @blondeambition thanks! Super helpful, and you are an excellent writer, as your wording and explanations are super clear. :)
- Silver Dollars
- silver_dollars
- 4 yrs ago
- Setting Up Your Budget
- Reported - view
A series of method questions ...
Hello all i have a list of questions about method and wanted to throw them all out here in one shot. 1. Starting out and having a Jan 1 start date, I initially have $14000 in my checking with a…
- Silver Dollars
- silver_dollars
- 4 yrs ago
- 7 replies
- 527
- Setting Up Your Budget
- Answered
- Answered
Re: What to do with Savings? @nolesrule @nolesrule thanks nolesrule (guessing you went to FSU). With leaks did you mean the budgeting, or the debts with interest rates? I will assume you meant the budgeting.…
- Silver Dollars
- silver_dollars
- 4 yrs ago
- 3
- Saving & Investing
- Reported - view
Re: Fresh Start, but no starting balance? @Silver Dollars looks like YNAB has the correct posting dates. That’s the good news. The bad news is that some of these were actually 12/30 and 12/31 purchases.…
- Silver Dollars
- silver_dollars
- 4 yrs ago
- Using YNAB
- Reported - view
Re: Fresh Start, but no starting balance? @Faness at YNAB @Faness at YNAB ok I am getting there. This morning a dozen transactions were available. This is good and as I had hoped I could approve them and categorize and all.…
- Silver Dollars
- silver_dollars
- 4 yrs ago
- Using YNAB
- Reported - view
What to do with Savings?
Looking for suggestions. I've always maxed out the 401K , but savings I have tended to keep in a savings account, which earns virtually zip. This is the 4-6 month emergency fund.…
- Silver Dollars
- silver_dollars
- 4 yrs ago
- 13 replies
- 2,406
- Saving & Investing
Re: What would you do? Lots of directions to go in here. For starts, I would assume that the town with the 400K house also has larger taxes. Better school system towns tend to have higher property taxes.…
- Silver Dollars
- silver_dollars
- 4 yrs ago
- 2
- Saving & Investing
- Reported - view
Re: Paid off my mortgage today! @Whereforart Savings that makes more than 6%? I have to assume you are talking about investments (versus savings, which tend to have a 0.5 to 1.5% return rate these days,…
- Silver Dollars
- silver_dollars
- 4 yrs ago
- YNAB Wins
- Reported - view
Re: Fresh Start, but no starting balance? @Faness at YNAB said: As for the credit card, you're right - you'll want to budget for your transactions in your categories. So, if you plan on spending $20 on lunch on your credit card,…
- Silver Dollars
- silver_dollars
- 4 yrs ago
- Using YNAB
- Reported - view
Re: How to budget bonus for entire year I have a similar situation, where we are paid an annual bonus (funds hit the bank account Feb 9th), which is about 30% of my annual income. Historically,…
- Silver Dollars
- silver_dollars
- 4 yrs ago
- Setting Up Your Budget
- Reported - view
Re: Paid off my mortgage today! I am finding you inspirational in a few ways. First, congrats on paying off your mortgage. We purchased our home in 2006, which was at the peak of the housing bubble.…
- Silver Dollars
- silver_dollars
- 4 yrs ago
- 1
- YNAB Wins
- Reported - view

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