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Re: Happy with your budget categories? Please share! @Navy Blue Stallion I follow the same technique as you for points #1 and #3. I posted my current categories in a separate post below.
- Daily Impressions
- YNABer since Jan 2020
- daily_impressions
- 8 mths ago
- Tips & Tricks
- Reported - view
Re: Happy with your budget categories? Please share! After 1 year and various re-organizing my categories, I using these now. It helps will budgeting and I like how the categories work for historical reporting as well.…
- Daily Impressions
- YNABer since Jan 2020
- daily_impressions
- 8 mths ago
- 1
- Tips & Tricks
- Reported - view
Re: Outgrown YNAB? I think you need to start thinking bigger. Maybe an extra $50 on dining out isn't something to worry about but an extra $500 or $1000 in some category might be. Or maybe start setting bigger goals
- Daily Impressions
- YNABer since Jan 2020
- daily_impressions
- 1 yr ago
- 4
- YNAB Wins
- Reported - view
Vacation expense categorization techniques
Returned from a 2-week vacation - my first while using YNAB and wanted to share. I created a generic payee called #Florida_Mar_2020 that I would use for all the local, one-off merchants (e.g.…
- Daily Impressions
- YNABer since Jan 2020
- daily_impressions
- 1 yr ago
- 17 replies
- 239
- 3
- Setting Up Your Budget
Re: WAM as I near the end of the month @nolesrule - Thanks for the input. To clarify - I'm not proposing I cover overspending on "groceries" this month from next month's "groceries". I agree that is futile.…
- Daily Impressions
- YNABer since Jan 2020
- daily_impressions
- 1 yr ago
- 1
- Setting Up Your Budget
- Reported - view
WAM as I near the end of the month
Finishing up my 2nd month with YNAB. About a week before the end of the month, we start going overbudget on some categories - so i start moving money from other categories that we've underspent on -…
- Daily Impressions
- YNABer since Jan 2020
- daily_impressions
- 1 yr ago
- 5 replies
- 401
- Setting Up Your Budget
Re: Credit card "available" does not equal the one transaction in it I think that the window showing spending and budgeted spending could be clearer - like an alert indicating that I haven't budgeted enough in the category to cover the spending on the credit card.
- Daily Impressions
- YNABer since Jan 2020
- daily_impressions
- 1 yr ago
- Credit Cards & Debt
- Reported - view
Re: Credit card "available" does not equal the one transaction in it @bret Thanks! That was it - I just entered a transaction this morning (on a different credit card) that put the category overbudget. I fixed that and all is good now.
- Daily Impressions
- YNABer since Jan 2020
- daily_impressions
- 1 yr ago
- 2
- Credit Cards & Debt
- Reported - view
Credit card "available" does not equal the one transaction in it
Can someone explain why this would be? My credit card has exactly 1 transaction in it for $303.20 in a single category - Clothing / Shoes. In the budget, next to this CC it shows activity of $281.…
- Daily Impressions
- YNABer since Jan 2020
- daily_impressions
- 1 yr ago
- 4 replies
- 84
- Credit Cards & Debt
- Answered
- Answered
Re: Credit Card Refunds/Cash Back While on the CC Float Refunds for things you've returned or gotten some type of credit for should go back to the category that the original purchase was made. As you saw, this won't change your budget or TBB amount.…
- Daily Impressions
- YNABer since Jan 2020
- daily_impressions
- 1 yr ago
- Credit Cards & Debt
- Reported - view
Re: Categorizing an travel insurance claim @Matthew said: YNAB's reports will tell you that you've spent nothing on Vacation since starting your budget, which doesn't seem very useful. I like this line of reasoning - especially since it is a…
- Daily Impressions
- YNABer since Jan 2020
- daily_impressions
- 1 yr ago
- Using YNAB
- Reported - view
Categorizing an travel insurance claim
I recently received some money from a travel insurance claim. How would you categorize it? Option 1: Inflow: To be bugeted since I can spend it on anything I want.…
- Daily Impressions
- YNABer since Jan 2020
- daily_impressions
- 1 yr ago
- 3 replies
- 40
- Using YNAB
Combining multiple transactions into one
I made a purchase for a airline tickets that I entere manually on my credit card as 1 tranaction for the full amount. When I imported, 4 separate transactions were on my credit card.…
- Daily Impressions
- YNABer since Jan 2020
- daily_impressions
- 1 yr ago
- 1 reply
- 91
- Using YNAB
Re: Is zero based not for me? @Cheese429 said: If I am robbing"vacation" (longer term) in January to pay for overspending in "Shoes" (immediate) I am having trouble keeping track of the fact that I need to slow down on shoes and…
- Daily Impressions
- YNABer since Jan 2020
- daily_impressions
- 1 yr ago
- 2
- Setting Up Your Budget
- Reported - view
Re: Goal Adjustments @MXMOM Yup, that what I do as well. Set it as a Spending Goal, let the surplus roll over and just "top it off" instead of letting the surplus build.
- Daily Impressions
- YNABer since Jan 2020
- daily_impressions
- 1 yr ago
- 1
- Setting Up Your Budget
- Reported - view
Re: Is zero based not for me? @Cheese429 You should play around with time based goals and break out your road trip as a separate category. Make the gas for the roadtrip part of that category - not your daily routine gas.…
- Daily Impressions
- YNABer since Jan 2020
- daily_impressions
- 1 yr ago
- Setting Up Your Budget
- Reported - view
Took a big hit at the casino - roll with it
Wanted to share this experience as example of the Roll with it approach of YNAB. Due to poor judgement on our part, we lost more money than we intended at a casino this weekend.…
- Daily Impressions
- YNABer since Jan 2020
- daily_impressions
- 1 yr ago
- 2 replies
- 125
- 4
- YNAB Wins
Re: Is zero based not for me? @Slate Blue Disk I just started using YNAB at the beginning of January and my electric bills are also high right now because it is winter. I recommend you not have a negative balance on your…
- Daily Impressions
- YNABer since Jan 2020
- daily_impressions
- 1 yr ago
- 6
- Setting Up Your Budget
- Reported - view
Re: Is zero based not for me? Congratulations on building enough buffer to be a month ahead! I used to think that carrying over overspending as negative balance would be useful. After six weeks of intense YNABing and my first…
- Daily Impressions
- YNABer since Jan 2020
- daily_impressions
- 1 yr ago
- 13
- Setting Up Your Budget
- Reported - view
Re: Help - loan repaid as cash! You could record an inflow into your cash account with the loans and expense category - guess at the date. Then record cash outflows for what you spent the cash on.
- Daily Impressions
- YNABer since Jan 2020
- daily_impressions
- 1 yr ago
- Setting Up Your Budget
- Reported - view
Re: "To be Budgeted" amount of the previous month changes after adding transactions Many have given suggestion on how you should use the software properly to avoid this and to get the most value out of YNAB. Regardless, what you did left me with questions.…
- Daily Impressions
- YNABer since Jan 2020
- daily_impressions
- 1 yr ago
- 1
- Setting Up Your Budget
- Reported - view
Re: How to deal with money owed. @FirIslander Set up a tracking asset account like "Loaned Out". Tracking asset accounts are not part of you To Be Budgeted total. Create a transaction as follows in one of your cash accounts.…
- Daily Impressions
- YNABer since Jan 2020
- daily_impressions
- 1 yr ago
- 2
- Setting Up Your Budget
- Reported - view
Re: Happy with your budget categories? Please share! Been using YNAB for on emonth now and probably futzed around with my categories every other day for the first two weeks. This has been stable for me since...…
- Daily Impressions
- YNABer since Jan 2020
- daily_impressions
- 1 yr ago
- 1
- Tips & Tricks
- Reported - view
Re: How to deal with money owed. For long term paybacks like this, I like to create a separate asset tracking account. From my experimentation so far, asset tracking accounts aren't included in your "to Be Budgeted" total.
- Daily Impressions
- YNABer since Jan 2020
- daily_impressions
- 1 yr ago
- Setting Up Your Budget
- Reported - view
Re: Loans to other people @dakinemaui Thanks for the tip!
- Daily Impressions
- YNABer since Jan 2020
- daily_impressions
- 1 yr ago
- 1
- Money & Relationships
- Reported - view

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