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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
- 11 days 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
- 2 wk 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
- 2 wk 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
- 2 wk ago
- 2
- Join A Challenge
- Reported - view
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
- 2 wk ago
- 1
- Join A Challenge
- Reported - view
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
- 2 wk ago
- 1
- Join A Challenge
- Reported - view
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
- 6 mths ago
- 2
- Join A Challenge
- Reported - view
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
- 6 mths ago
- 2
- Join A Challenge
- Reported - view
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
- 6 mths ago
- 7
- Join A Challenge
- Reported - view
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
- 11 mths ago
- Join A Challenge
- Reported - view
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
- 11 mths ago
- 3
- Join A Challenge
- Reported - view
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
- Join A Challenge
- Reported - view
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
- Join A Challenge
- Reported - view
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
- Join A Challenge
- Reported - view
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
- Join A Challenge
- 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
- Join A Challenge
- Reported - view
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
- Join A Challenge
- 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
- Join A Challenge
- Reported - view
Re: Age of Money 2019 December 18 days to end the year.
- spyral
- Spyral
- 1 yr ago
- 1
- Join A Challenge
- Reported - view
Re: Age of Money 2019 September 10 October 10 November 14
- spyral
- Spyral
- 1 yr ago
- Join A Challenge
- Reported - view
Re: Age of Money 2019 Aged money to 9 this month from 4 last month. Baby steps. :)
- spyral
- Spyral
- 1 yr ago
- 3
- Join A Challenge
- Reported - view
Re: Age of Money 2019 @Technicolor Cheetah Thanks! I earn a pretty reasonable salary but it was a case of me just not paying any attention to what I was doing with my money and being profligate.…
- spyral
- Spyral
- 1 yr ago
- 3
- Join A Challenge
- Reported - view
Re: Age of Money 2019 Joining up now. Started YNAB in June this year. Was living pay to pay, and on credit. Since then I've got off the pay-to-pay cycle but my AoM still has a long way to go.…
- spyral
- Spyral
- 1 yr ago
- 1
- Join A Challenge
- Reported - view
Re: The Official 2019 Debt Smackdown @spyral Late updated on July. Only paid down AU$650 due to conentrating on putting money towards a couple of other important things.
- spyral
- Spyral
- 1 yr ago
- 2
- Join A Challenge
- Reported - view

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