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Re: 2021: The Official YNAB Savings Challenge June check-in Real estate purchase: $1,450 Savings: $1,222 Total: $2,672 YTD total: $27,275/$24,000 113.65% to goal Since I met my goal so quickly, I'm setting a new one based on what I expect I'll…
- Gnarwhal
- gnarwhal
- 4 wk ago
- 2
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Re: Funding True Expenses - focus or even distribution? @Fuzzball Meows I had this issue when I got started in YNAB, too. My first tactic was to split my leftover funds equally between my true expense categories. But the slow progress was disheartening.…
- Gnarwhal
- gnarwhal
- 1 mth ago
- 3
- Tips & Tricks
- Reported - view
Re: 2021: The Official YNAB Savings Challenge May check-in Real estate purchase: $1,200 Savings: $1,757 Total: $2,957.49 YTD total: $24,603/$24,000 102.5% to goal ^^ That actually blows my mind. I'm still in my first year using YNAB and it's…
- Gnarwhal
- gnarwhal
- 1 mth ago
- 1
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Re: The Official 2021 Debt Smackdown May update Paid $482.74 toward the principal this month, which puts me 36.48% toward my goal. I also saved another $500 that I'll use to pay off the loan early. Right now that little pot has $1,000.…
- Gnarwhal
- gnarwhal
- 2 mths ago
- 5
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Re: The Official 2021 Debt Smackdown @Buckeye Congrats!!!
- Gnarwhal
- gnarwhal
- 2 mths ago
- 1
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Re: The Official 2021 Debt Smackdown @farfromtheusual Yes exactly! I was scratching my head when I saw a note pop up at the start of the transfer form - I swear I've never seen that before.…
- Gnarwhal
- gnarwhal
- 2 mths ago
- 2
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Re: The Official 2021 Debt Smackdown @mandiferous Yeah, it really felt like it came out of nowhere. But since the interest I'm paying is so tiny, I think this is a good alternative. And I'm like you:…
- Gnarwhal
- gnarwhal
- 2 mths ago
- 3
- Join A Challenge
- Reported - view
Re: 2021: The Official YNAB Savings Challenge April check-in Real estate purchase: $3,771 Savings: $1,945 Total: $5,716 YTD total: $21,646 / $24,000 90.19% to goal
- Gnarwhal
- gnarwhal
- 3 mths ago
- 2
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Re: The Official 2021 Debt Smackdown April check-in So far this year, I've been paying this loan in two payments of $500 each month. One is an automatic payment I set up when we initially got the loan.…
- Gnarwhal
- gnarwhal
- 3 mths ago
- 7
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- Reported - view
Re: 2021: The Official YNAB Savings Challenge March check-in With another federal stimulus, it was another shockingly good month for savings. I'm realizing that we naturally save a lot more than I ever realized.…
- Gnarwhal
- gnarwhal
- 4 mths ago
- 3
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Re: The Official 2021 Debt Smackdown March check-in: Paid another $1,000 toward the loan. This included $19.41 in interest and $980.59 toward principal. Progress: 27.5% complete!
- Gnarwhal
- gnarwhal
- 4 mths ago
- 5
- Join A Challenge
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Re: 2021: The Official YNAB Savings Challenge February check-in We got our tax refund so that contributes to another big month for savings. Here's how we did: Downpayment: $2,977 Savings & sinking funds: $1,673 Total: $4,651 YTD total: $9,…
- Gnarwhal
- gnarwhal
- 5 mths ago
- 2
- Join A Challenge
- Reported - view
Re: The Official 2021 Debt Smackdown February check-in: I paid another $1,000 toward the loan, which included $24 in interest and $976 toward principal. Progress: 18.3% complete I didn't mention this last month but now that I'm below 5…
- Gnarwhal
- gnarwhal
- 5 mths ago
- 10
- Join A Challenge
- Reported - view
Re: 2021: The Official YNAB Savings Challenge January check-in! We got a big jumpstart this month because we (a) got our second stimulus check; (b) refinanced our mortgage in December, so we didn't owe on that in January;…
- Gnarwhal
- gnarwhal
- 6 mths ago
- 3
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Re: The Official 2021 Debt Smackdown @Navy Blue Pegasus You're a gem
- Gnarwhal
- gnarwhal
- 6 mths ago
- 2
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Re: The Official 2021 Debt Smackdown @Gnarwhal YIKES. principal*
- Gnarwhal
- gnarwhal
- 6 mths ago
- 2
- Join A Challenge
- Reported - view
Re: The Official 2021 Debt Smackdown January check-in I paid $1,000 toward our car loan this month. After interest, it came out to $975.99 toward principle. My goal is $10,667.01, which is what I have left in principle. Progress: 9.…
- Gnarwhal
- gnarwhal
- 6 mths ago
- 6
- Join A Challenge
- Reported - view
Re: The Official 2021 Debt Smackdown Alright alright! I've got line 4. I am paying off my pickup this year, and I can't tell you how much I'm looking forward to it. I've got exactly $10,667.…
- Gnarwhal
- gnarwhal
- 6 mths ago
- 10
- Join A Challenge
- Reported - view
Re: 2021: The Official YNAB Savings Challenge Woohoo! There I am at line 6! Now this goal is real! I’m excited for the year ahead. In addition to paying off our car loan early, I’ll be saving for a down payment on a second property,…
- Gnarwhal
- gnarwhal
- 6 mths ago
- 6
- Join A Challenge
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Gnarwhal

gnarwhal

St. Paul, MN

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