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Should I refinance?
About 18 months ago, we did a cash out refinance to deal with an emergency financial situation (I know, I know: that was pre-YNAB! Now we have an emergency cushion and sinking funds!).…
- Slate Blue Lion
- Slate_Blue_Lion.8
- 8 mths ago
- 4 replies
- 100
- Dealing with Debt
How to transfer from a bank account to my "wallet"?
Hi YNABers! I took out $500 cash that I don't intend to spend, and would like to basically transfer from my "checking" to my "wallet." But right now YNAB is showing it as -$500 uncategorized.…
- Slate Blue Lion
- Slate_Blue_Lion.8
- 1 yr ago
- 1 reply
- 58
- Using YNAB
- Answered
- Answered
Re: How to keep things as simple as possible? Manually entering transactions as you spend gives you confidence when they come in and everything matches. Try reconciling daily so you can catch any errors right away!
- Slate Blue Lion
- Slate_Blue_Lion.8
- 1 yr ago
- 1
- Setting Up Your Budget
- Reported - view
Re: Avid Longtime YNAB user but still NEED forecasting.... @Move Light Sound Life Yes, agreed. I've got a 41 day AOM, and it's allowing me to sleep at night. Buffering those categories is also a huge relief. It feels awesome to know that I'm already saving…
- Slate Blue Lion
- Slate_Blue_Lion.8
- 1 yr ago
- 1
- Setting Up Your Budget
- Reported - view
Re: Avid Longtime YNAB user but still NEED forecasting.... @Move Light Sound Life Interesting idea (snowballing savings)! I'm building incrementally across categories, with the understanding that I'll just have to WAM if and when things hit along the way.…
- Slate Blue Lion
- Slate_Blue_Lion.8
- 1 yr ago
- 2
- Setting Up Your Budget
- Reported - view
Re: Avid Longtime YNAB user but still NEED forecasting.... I am a new user (since November). The YNAB ecosystem has revolutionized my thinking about money, and I wouldn't want it to change. That said, I also do need a place to plan more than 30 days ahead.…
- Slate Blue Lion
- Slate_Blue_Lion.8
- 1 yr ago
- 2
- Setting Up Your Budget
- Reported - view
Re: Does anyone in a couple budget alone? I budget alone too. My husband has utterly crippling anxiety as relates to money, and devastatingly bad habits that have resulted in a great deal of debt.…
- Slate Blue Lion
- Slate_Blue_Lion.8
- 1 yr ago
- 4
- Money & Relationships
- Reported - view
Re: How to count employer match? @WordTenor said: As to match/Roth/other, the standard personal finance advice is match first, because it's a 100% return, then Roth, then go back to max retirement.…
- Slate Blue Lion
- Slate_Blue_Lion.8
- 1 yr ago
- Saving & Investing
- Reported - view
How to count employer match?
Hi YNABers, I'm a tenured professor, so the overwhelming likelihood is that I'll have my current job until I retire, in 20+ years. I started late to retirement savings, and to catch up,…
- Slate Blue Lion
- Slate_Blue_Lion.8
- 1 yr ago
- 3 replies
- 162
- Saving & Investing
Re: Approve transactions on tracking accounts? Thanks so much!
- Slate Blue Lion
- Slate_Blue_Lion.8
- 1 yr ago
- Saving & Investing
- Reported - view
Re: Approve transactions on tracking accounts? Thank you! That must have been a super obvious question. I had thought that's what it meant to just be "tracking"! I've unlinked it now. (So: what IS the difference between a tracking account and an…
- Slate Blue Lion
- Slate_Blue_Lion.8
- 1 yr ago
- Saving & Investing
- Reported - view
Approve transactions on tracking accounts?
Hi YNABers! Quick question: I've set up my retirement accounts as tracking accounts. I want to have a basic sense of what they are doing and my net worth,…
- Slate Blue Lion
- Slate_Blue_Lion.8
- 1 yr ago
- 6 replies
- 140
- Saving & Investing
Re: CC balance appearing as positive, not debt?!? @satcook That's it! I must have accidentally deleted the starting balance!! THANK YOU!
- Slate Blue Lion
- Slate_Blue_Lion.8
- 1 yr ago
- 1
- Credit Cards & Debt
- Reported - view
Re: "overspending" (not really) on Nov. 30; how to move to December? @Annieland Thank you! The learning curve is extremely steep--I sometimes feel like using the YNAB software is like flying a jet airplane to get across the street.…
- Slate Blue Lion
- Slate_Blue_Lion.8
- 1 yr ago
- 3
- Setting Up Your Budget
- Reported - view
Re: CC balance appearing as positive, not debt?!? @satcook @satcook That's a great question. No, no reconciliation. Should I basically "force" a reconciliation to fix this? It will literally be a difference of a couple of thousand dollars (see my…
- Slate Blue Lion
- Slate_Blue_Lion.8
- 1 yr ago
- Credit Cards & Debt
- Reported - view
Re: CC balance appearing as positive, not debt?!? @dakinemaui Weirdly, all the individual transactions DO make sense. Everything I've spent is properly categorized in outflow; everything I paid the card is properly categorized in inflow.…
- Slate Blue Lion
- Slate_Blue_Lion.8
- 1 yr ago
- Credit Cards & Debt
- Reported - view
CC balance appearing as positive, not debt?!?
So here's a bizarre one. I contacted YNAB Help to deal with some messes I made in setting my budget up (I've just survived month one), including cleaning up an aborted non-budget in the last few…
- Slate Blue Lion
- Slate_Blue_Lion.8
- 1 yr ago
- 7 replies
- 113
- Credit Cards & Debt
- Answered
- Answered
Re: "overspending" (not really) on Nov. 30; how to move to December? Thanks for all these perspectives! Dating it for 12/1 seems like the simplest solution. The money was there on both sides of the clock chiming, regardless!…
- Slate Blue Lion
- Slate_Blue_Lion.8
- 1 yr ago
- Setting Up Your Budget
- Reported - view
"overspending" (not really) on Nov. 30; how to move to December?
Hi YNABERs! So, last night I picked up my pooch at the dog boarding place. I owed $150. Cool--I'd budgeted for that. But then I had an opportunity to fold it in to the purchase of $250 worth of…
- Slate Blue Lion
- Slate_Blue_Lion.8
- 1 yr ago
- 8 replies
- 113
- Setting Up Your Budget
- Answered
- Answered
Re: How to "categorize" a credit card payment?? Oh! I see! Thank you!
- Slate Blue Lion
- Slate_Blue_Lion.8
- 1 yr ago
- 1
- Credit Cards & Debt
- Reported - view
How to "categorize" a credit card payment??
Steep learning curve continues; thanks for your help so far! I am confused about what is being looked when I am being asked to "categorize" a credit card payment.…
- Slate Blue Lion
- Slate_Blue_Lion.8
- 1 yr ago
- 3 replies
- 290
- Credit Cards & Debt
- Answered
- Answered
New user--please help! Q: can I eliminate a month??
Hi YNABers, I'm brand new here and finding there's a very steep learning curve. I started playing with the software a few days ago, in anticipation of my monthly paycheck (which arrives the last day…
- Slate Blue Lion
- Slate_Blue_Lion.8
- 1 yr ago
- 1 reply
- 68
- Using YNAB
- Answered
- Answered

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