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Re: The Official 2020 Debt Smackdown @spyral Update: January: AU$1,033.34 February: AU$1,274.91 Goal: AU$2,308.25/AU$15,000 (15.39%)
- spyral
- Spyral
- 7 mths ago
- 2
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Re: 2021 Age Of Money Challenge @JG I wouldn't have thought it makes much difference for comparison purposes. AoM is measured by reference to when people receive income, which will be wildly all over the place for people in there.
- spyral
- Spyral
- 8 mths ago
- 1
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Re: 2021 Age Of Money Challenge Line 25 with end of month update. Finished at 18 for 2020 missing my goal of 35 unfortunately. Have kept my goal of 35 for this year. Off to a good start in January with the end of month being 35!…
- spyral
- Spyral
- 8 mths ago
- 3
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Re: Fell off the bandwagon over the holidays and screwed myself over.... I need help and encouragement to get back on my feet again. As my late mum used to say: "You've haven't killed anyone." It's a big 'punch' but just roll with it. You obviously know the method having spent 6 months using it,…
- spyral
- Spyral
- 9 mths ago
- Dealing with Debt
- Reported - view
Re: Goals for everything?? When adding for the first time - think about what expenses you will have between now and the next time you receive income. Budget for those expenses first.…
- spyral
- Spyral
- 9 mths ago
- Setting Up Your Budget
- Reported - view
Re: New Year Plan: Fresh Start? Or Just Continue On W/ Current Budget I definitely would say that if things have been working well for you throughout 2020 then option 1 is best for now. Sit down and see what worked and didn't work for you in how you were set up…
- spyral
- Spyral
- 9 mths ago
- Using YNAB
- Reported - view
Re: The Official 2020 Debt Smackdown @spyral End of year, end of debt!! The debt I carried over from the end of my marriage (2017) is finally gone. At one point it felt like I would carry it forever, but with hard work,…
- spyral
- Spyral
- 9 mths ago
- 2
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Re: Age of Money - Twenty-twenty! @spyral End of year AoM was 19 days. Short of my aim of 35 for the year. Debt took longer to pay off than I had expected and there was a large outlay in December for a new tenancy bond which held me…
- spyral
- Spyral
- 9 mths ago
- 1
- Join A Challenge
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Re: 2021: The Official YNAB Savings Challenge Claimed line 41. After paying off nearly $15,000AU in debt in 2020 smackdown, it's time to join the savings bandwagon this year! Starting off with fairly modest goals.…
- spyral
- Spyral
- 9 mths ago
- 1
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Re: Age of Money - Twenty-twenty! @spyral Mid year update. AoM was 23 days at the end of June. I'm still pleased with that as I have a fortnightly pay cycle which at least means I'm outside pay-to-pay spending.…
- spyral
- Spyral
- 1 yr ago
- 2
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Re: The Official 2020 Debt Smackdown @SiruhTheSantas Well done! Like you, I recently pushed over in to a positive position as well having been ~$16,000 in the red when I commenced with YNAB just over a year ago.…
- spyral
- Spyral
- 1 yr ago
- 2
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Re: The Official 2020 Debt Smackdown @spyral Gosh, didn't realise it had been January when I last posted an update! No doubt 2020 is proving very challenging for many people, especially on the debt paydown front.…
- spyral
- Spyral
- 1 yr ago
- 7
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Re: Age of Money - Twenty-twenty! January result: 20. Highest ever! School fees due in Feb.... might be going backward to go forward....
- spyral
- Spyral
- 1 yr ago
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Re: The Official 2020 Debt Smackdown @spyral Off to a slow start in January. Only $248.41 paid off. Plenty of room for improvement 😬
- spyral
- Spyral
- 1 yr ago
- 3
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Re: The Official 2020 Debt Smackdown @Faness Reading these forums I am so glad to have gone through the Australian University system at a time of low fees (2002-06) and government loans indexed only for inflation.…
- spyral
- Spyral
- 1 yr ago
- 1
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Re: The Official 2020 Debt Smackdown Line 11, bit slow to post...! 2020 is the Year of Clearing Debt. I started to make a dent in my first 6 months of YNABing in 2019 and now is the year to get it all sorted: CC#1: AU$13,343.…
- spyral
- Spyral
- 1 yr ago
- 4
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Re: YNAB's 2020 34 Day Challenge! @AthenaTheMusician Great post. All the best on your YNAB journey in 2020! :)
- spyral
- Spyral
- 1 yr ago
- Join A Challenge
- Reported - view
Re: YNAB's 2020 34 Day Challenge! Day 1. My "why" has a both a short and a long answer, although the long answer is perhaps just an explanation of the short answer.... The short answer is that I needed to take much better 'care' of…
- spyral
- Spyral
- 1 yr ago
- 3
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Re: Age of Money - Twenty-twenty! @Peripherie Best of luck. I started with YNAB back in June. Took me six months to go from 2 to 18 days. It can seem like slow going at times but I recording my AoM on here each month allowed me to…
- spyral
- Spyral
- 1 yr ago
- 3
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- Reported - view
Re: The Official 2019 Debt Smackdown @Nicole Awesome work. Not going to lie and say I'm not jealous of that outcome. Something to inspire me to greater heights this year :)
- spyral
- Spyral
- 1 yr ago
- 1
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Re: The Official 2019 Debt Smackdown I commenced YNAB in June 2019 with just short of AU$19k in total debt being AU$1,700 owed to my father and the balance of ~AU$17k on a maxed-out credit card.…
- spyral
- Spyral
- 1 yr ago
- 5
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- Reported - view
Re: Age of Money - Twenty-twenty! Claimed line 3. Started YNAB in June 2019 with a virtually empty bank account (and full credit card) after a relationship breakup. So it was all about starting at the very beginning.…
- spyral
- Spyral
- 1 yr ago
- 5
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Re: Age of Money 2019 December 18 days to end the year.
- spyral
- Spyral
- 1 yr ago
- 1
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Re: Age of Money 2019 September 10 October 10 November 14
- spyral
- Spyral
- 1 yr ago
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Re: Age of Money 2019 Aged money to 9 this month from 4 last month. Baby steps. :)
- spyral
- Spyral
- 2 yrs ago
- 3
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