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Re: WAM vs. averaging spending... Oh I mean more "a couple more cabs than we thought we'd take this month, so maybe we don't go to the movies" or "had to replenish some toiletries, gotta move that out of 'food'.…
- PugsBugs
- PF enthusiast
- trigger207
- 1 yr ago
- Method & Budgeting
- Reported - view
WAM vs. averaging spending...
I'm about five months into using YNAB (and it's been a lifesaver!!!) and I'm just curious about how other people handle/use WAMing. We budget for all our fixed expenses, sinking funds, etc.…
- PugsBugs
- PF enthusiast
- trigger207
- 1 yr ago
- 5 replies
- 324
- 1
- Method & Budgeting
Re: The Official 2019 Debt Smackdown @The Late Heavy Bombardment Ah! Nice use of emojis. I have mine set up as [Expense] (Annual, June) as a reminder but this is... many fewer characters. 😂
- PugsBugs
- PF enthusiast
- trigger207
- 1 yr ago
- 3
- Community Challenges
- Reported - view
Re: The Official 2019 Debt Smackdown May check-in: Made $865 of payments against debt but unfortunately had an emergency medical expense that I haven't been YNABing long enough to cover with sinking funds,…
- PugsBugs
- PF enthusiast
- trigger207
- 1 yr ago
- 5
- Community Challenges
- Reported - view
Re: What did you do to improve your finances today? It's a little thing but I rounded up my student loan payment so I can pay it off just a little bit faster. :) Went from $65 a month to $100 a month. Excited that I can do even small things like this…
- PugsBugs
- PF enthusiast
- trigger207
- 1 yr ago
- 8
- YNAB Wins
- Reported - view
Re: Undebt.it and YNAB @TechieM2 So to clarify, your "link to YNAB" is actually account mapping? Because I saw a thing on the Undebit page about how you should either sync from YNAB through account mapping or do manual…
- PugsBugs
- PF enthusiast
- trigger207
- 1 yr ago
- Managing Debt
- Reported - view
Re: Undebt.it and YNAB @TechieM2 yeah. I am looking at it as guidance, snowball strategy building and scenario modeling. Hopefully also a tool of encouragement to speed up my debt payoff.
- PugsBugs
- PF enthusiast
- trigger207
- 1 yr ago
- 1
- Managing Debt
- Reported - view
Re: Undebt.it and YNAB @TechieM2 Thanks! I'm still totally new to Undebt.it . Still not sure if it's going to be the best tool as a YNAB companion, but that does seem to make sense to me.
- PugsBugs
- PF enthusiast
- trigger207
- 1 yr ago
- Managing Debt
- Reported - view
Undebt.it and YNAB
I've got YNAB set up and I'm experimenting with Undebt.it . Here's my configuration, just want to make sure this is all making sense. I have a number of student loans (mine and my wife's) on direct…
- PugsBugs
- PF enthusiast
- trigger207
- 1 yr ago
- 6 replies
- 257
- Managing Debt
Re: What did you do to improve your finances today? Tiny win: I got an email from Apple today about an annual fitness app I subscribed to being up for autorenew. First i kicked myself for a second for not including that in my True Expenses.…
- PugsBugs
- PF enthusiast
- trigger207
- 1 yr ago
- 10
- YNAB Wins
- Reported - view
Re: Thoughts on monthly rollover approaches? @bevocat ahhhh. Good to know. Yeah. I don’t have enough months yet to do the “average budget” on most variable expenses. I have about 10 years of financial data in my old tracking app that is a…
- PugsBugs
- PF enthusiast
- trigger207
- 1 yr ago
- Method & Budgeting
- Reported - view
Re: Thoughts on monthly rollover approaches? @bevocat interesting. Why? I’m open to all ideas, obviously. I’m just curious why this works best in your view?
- PugsBugs
- PF enthusiast
- trigger207
- 1 yr ago
- Method & Budgeting
- Reported - view
Thoughts on monthly rollover approaches?
So I get paid on the 15th and the last day of the month. This past payday (Tuesday), my wife and I sat down to do our biweekly budget meeting and I allocated funds for the fixed expenses for May,…
- PugsBugs
- PF enthusiast
- trigger207
- 1 yr ago
- 4 replies
- 170
- 1
- Method & Budgeting
Re: Considering combining eating out and grocery categories. Also if the giant-vat-of-soup thing interests you, I STRONGLY recommend this book: https://www.amazon.com/Soup-Club-Cookbook-Friends-Yourself/dp/0770434622 And possibly exploring setting up a soup…
- PugsBugs
- PF enthusiast
- trigger207
- 1 yr ago
- Method & Budgeting
- Reported - view
Re: Considering combining eating out and grocery categories. @Purple Admiral Oh gosh. I used to comb through my transactions to see how many were labeled coffee and when I came to terms with that, I was all 😳😳😳
- PugsBugs
- PF enthusiast
- trigger207
- 1 yr ago
- Method & Budgeting
- Reported - view
Re: Considering combining eating out and grocery categories. @nolesrule that’s very good practice supported by a lot of data!
- PugsBugs
- PF enthusiast
- trigger207
- 1 yr ago
- 1
- Method & Budgeting
- Reported - view
Re: Considering combining eating out and grocery categories. Depends on your goal. My wife and I have separate "food" and "restaurants" categories. I know one friend who's trying YNAB now who wants to do a "lunches" category so she can be extra conscious of…
- PugsBugs
- PF enthusiast
- trigger207
- 1 yr ago
- 3
- Method & Budgeting
- Reported - view
Re: What did you do to improve your finances today? I 'corrected' my use of my credit card float so now my card is truly PIF and will stay that way going forward.
- PugsBugs
- PF enthusiast
- trigger207
- 1 yr ago
- 9
- YNAB Wins
- Reported - view
Re: Consolidating debt? Can echo that I made similar mistakes to folks above (debt consolidation + re-spending on credit cards leaving me more in debt), BUT I will say that before starting YNAB,…
- PugsBugs
- PF enthusiast
- trigger207
- 1 yr ago
- 2
- Managing Debt
- Reported - view
Re: Robo-Advisors I like Betterment. It's not really different from Wealthfront but as a way of handling consolidated rollovers from previous job 401ks and also keeping a modest down payment emergency fund,…
- PugsBugs
- PF enthusiast
- trigger207
- 1 yr ago
- 2
- Investing & Retirement
- Reported - view
Re: The Official 2019 Debt Smackdown @Technicolor Cheetah Awesome! I admittedly went straight for 'block user' because I don't want to see any more spam
- PugsBugs
- PF enthusiast
- trigger207
- 1 yr ago
- Community Challenges
- Reported - view
Re: The Official 2019 Debt Smackdown @farfromtheusual I just blocked their account but is there a reporting mechanism to forum moderators? This thread is already big with real comments, doesn't need to be inflated with spam. :D
- PugsBugs
- PF enthusiast
- trigger207
- 1 yr ago
- 3
- Community Challenges
- Reported - view
Re: The Official 2019 Debt Smackdown I’ve got $855 in debt payments scheduled for this month. This is my first month with YNAB and so I am realizing that while I pay my credit card in full,…
- PugsBugs
- PF enthusiast
- trigger207
- 1 yr ago
- 8
- Community Challenges
- Reported - view
Re: The Official 2019 Debt Smackdown Hi everyone! This is cool! Debt totals (as of 3/31/19) Personal loan: $34500 My student loan: $1960 My wife’s private student loan: $2650 My wife’s other student loans:…
- PugsBugs
- PF enthusiast
- trigger207
- 1 yr ago
- 5
- Community Challenges
- Reported - view
Re: How Do I Deal With Sending Money to Venmo And The Actual Venmo Withdrawal From My Account? @HappyDance didn’t mean to make that a reply to you, just the OP. :)
- PugsBugs
- PF enthusiast
- trigger207
- 1 yr ago
- Method & Budgeting
- Reported - view

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