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Re: The Official 2019 Debt Smackdown We just scheduled a massive student loan payment for Monday. $3506.80 makes the balance be 19517.84, which should be paid off by January of 2020! This is ahead of the schedule that I previously…
- Move Light Sound Life
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- 1 yr ago
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- Join A Challenge
- Reported - view
Re: The Official 2019 Debt Smackdown Ok, so in 2019, we started January with $23794.70 on my student loans and $3602.95 on a loan for an air conditioner. Our goal is to pay off the air conditioning loan and then avalanche the student…
- Move Light Sound Life
- move_light_sound_life
- 1 yr ago
- 9
- Join A Challenge
- Reported - view
Re: Trouble with roll-over @nolesrule It's more like here's the ideal plan we want, once X is taken care of. Now that we're past the stage of X, it turns out our original plan was really close.…
- Move Light Sound Life
- move_light_sound_life
- 1 yr ago
- Setting Up Your Budget
- Reported - view
Re: Trouble with roll-over I'm curious to see what more experienced YNAB users say, but our current solution is to make our monthly plan on paper so that we have that record of our original plan (and can more easily juggle…
- Move Light Sound Life
- move_light_sound_life
- 1 yr ago
- Setting Up Your Budget
- Reported - view
Re: Credit Card "Payment" balance incorrect It looks like the activity on the card wasn't budgeted for in the categories you spent in. For example, if you bought $50 in groceries and $40 in clothes,…
- Move Light Sound Life
- move_light_sound_life
- 1 yr ago
- Credit Cards & Debt
- Reported - view
Re: Using Reports @adriana01 That's a cool idea. I like Excel. Thank you.
- Move Light Sound Life
- move_light_sound_life
- 1 yr ago
- Setting Up Your Budget
- Reported - view
Re: Using Reports @Chrissy I wasn't thinking and responded to both your reply and mxmom's reply on her posts. It was along the lines of "tracking spending is good to identify areas for improvement,…
- Move Light Sound Life
- move_light_sound_life
- 1 yr ago
- Setting Up Your Budget
- Reported - view
Re: Using Reports @MXMOM ... I think I responded to both your reply and the moderator's with those posts. I'll send her to them to look. Sorry if it seemed I had thoughts out of the blue.
- Move Light Sound Life
- move_light_sound_life
- 1 yr ago
- Setting Up Your Budget
- Reported - view
Re: Using Reports @adriana01 That is really interesting. What kind of columns do you add?
- Move Light Sound Life
- move_light_sound_life
- 1 yr ago
- Setting Up Your Budget
- Reported - view
Re: Using Reports @MXMOM also, we were spending so much time figuring out all the details every paycheck. It was not sustainable. Now, our paper notes tell us what to budget in each payday so we don't have to rethink…
- Move Light Sound Life
- move_light_sound_life
- 1 yr ago
- Setting Up Your Budget
- Reported - view
Re: Using Reports @MXMOM yeah, we still have to figure out what the month's plan will be on paper. This is so we can plan for which responsibilities have timing/amount priority,…
- Move Light Sound Life
- move_light_sound_life
- 1 yr ago
- Setting Up Your Budget
- Reported - view
Re: Using Reports Thanks for the examples!
- Move Light Sound Life
- move_light_sound_life
- 1 yr ago
- Setting Up Your Budget
- Reported - view
Re: Negative Cat. from last month I would also like to add that I really want my family members to use YNAB. It's a good philosophy. However, this is one of the main weaknesses when I try to convince them.…
- Move Light Sound Life
- move_light_sound_life
- 1 yr ago
- 2
- Tips & Tricks
- Reported - view
Re: Negative Cat. from last month @Ben Khaki Storm That's a nightmare. As I understand, the original idea was to have enough money that you can live off of last month's paycheck, while also going for (reaching) the goal of having…
- Move Light Sound Life
- move_light_sound_life
- 1 yr ago
- 3
- Tips & Tricks
- Reported - view
Re: Negative Cat. from last month @Ben Khaki Storm nolesrule explained what happened pretty clearly, without my stress-filled story. It's definitely more exciting if you have no idea which numbers are changing invisibly.…
- Move Light Sound Life
- move_light_sound_life
- 1 yr ago
- 2
- Tips & Tricks
- Reported - view
Re: What did you do to improve your finances today? @TechieM2 That, and when you make a payment can matter. I wanted to make an excess payment, but because of rules my loan servicer has, the only way I can make it go to the principal is to pay on the…
- Move Light Sound Life
- move_light_sound_life
- 1 yr ago
- YNAB Wins
- Reported - view
Re: Using Reports @nolesrule That's interesting, thank you. It's nice to know I'm not off track by feeling that the reports are more superfluous than the budget. I'll keep them at the back of my mind until I have an…
- Move Light Sound Life
- move_light_sound_life
- 1 yr ago
- 1
- Setting Up Your Budget
- Reported - view
Re: Negative Cat. from last month I wonder if playing with the $5 in March is changing the TBB in April, or in a budgeted category in April? I experienced this (not on purpose, very stressfully) when I started YNAB last year.…
- Move Light Sound Life
- move_light_sound_life
- 1 yr ago
- Tips & Tricks
- Reported - view
Using Reports
I've really liked YNAB as a communication tool for financial priorities and day-to-day money decisions with my husband. I appreciate how it provides a visual interface that bridges our *very…
- Move Light Sound Life
- move_light_sound_life
- 1 yr ago
- 21 replies
- 420
- 1
- Setting Up Your Budget
Re: How to Remove Savings $ from To Be Budgeted @nolesrule Thanks for letting me know. Reports are something I haven't figured out in YNAB. They don't seem to tell me what I want to know. I've tried looking up help docs/etc,…
- Move Light Sound Life
- move_light_sound_life
- 1 yr ago
- Using YNAB
- Reported - view
Re: How to Remove Savings $ from To Be Budgeted I think the easiest thing is to have your $100 get put in your savings account automatically by your employer. Then you set up an automatic transaction to represent that,…
- Move Light Sound Life
- move_light_sound_life
- 1 yr ago
- 1
- Using YNAB
- Reported - view
Re: How to Remove Savings $ from To Be Budgeted @StormyRowdyGhost Also, I think the greatest strength of YNAB is it's flexibility throughout the real month of spending and as a communication platform for multiple budgeters.…
- Move Light Sound Life
- move_light_sound_life
- 1 yr ago
- 1
- Using YNAB
- Reported - view
Re: How to Remove Savings $ from To Be Budgeted @StormyRowdyGhost You could also set up an automatic transfer to your savings and categorize it as such. My employer can split my paycheck to whatever accounts I want.…
- Move Light Sound Life
- move_light_sound_life
- 1 yr ago
- Using YNAB
- Reported - view
Re: Deleted All Payees This is my take as a relatively new user who spent entirely too much time at the beginning trying to figure software features out by using them, often with hidden, unintended consequences.…
- Move Light Sound Life
- move_light_sound_life
- 1 yr ago
- Using YNAB
- Reported - view

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