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Re: Deferred Payments (Buy Now Pay Later) Thanks. Forgot to add that the question was more how do I handle the category balance. If I enter the transaction now (as it's now on the card), the category would go yellow,…
- Richard Holland
- dickydutch
- 5 mths ago
- Tips & Tricks
- Reported - view
Deferred Payments (Buy Now Pay Later)
What would you guys recommend as the best method to handle a deferred payment type transaction. I've just bought an Air Conditioning unit, £500, on a store card.…
- Richard Holland
- dickydutch
- 5 mths ago
- 4 replies
- 113
- Tips & Tricks
Re: Two week win No, most banks have their own systems, but a few years ago the ombudsman (or government legislation, can't remember which) required the banks to make it easy for customers to switch,…
- Richard Holland
- dickydutch
- 6 mths ago
- 1
- YNAB Wins
- Reported - view
Re: Two week win Fortunately in the UK we have a system called CASS (Current Account Switching Service). You basically instruct your new bank to transfer your old account.…
- Richard Holland
- dickydutch
- 6 mths ago
- 5
- YNAB Wins
- Reported - view
Re: I just set up Open Banking with my accounting software in 45 seconds @Tomato Colt I see auto-import as a bonus rather than required. I can see a use case where you manually enter your transactions using the web or mobile apps when you make them,…
- Richard Holland
- dickydutch
- 7 mths ago
- Using YNAB
- Reported - view
Re: Credit card usage question No, you budget until your TBB is zero. If you over-spend on the card, it'll turn yellow, meaning it'll be increasing your debt. Once you get paid, your TBB will be positive again,…
- Richard Holland
- dickydutch
- 7 mths ago
- 2
- Setting Up Your Budget
- Reported - view
Re: I just set up Open Banking with my accounting software in 45 seconds I'm also in the UK. I am having difficulty in understanding why anyone would _want_ automatic transaction importing. Surely you should be entering transactions using your mobile at the time you make…
- Richard Holland
- dickydutch
- 7 mths ago
- 2
- Using YNAB
- Reported - view
Re: Best Banks To Use With Ynab I live in the UK, and YNAB doesn't offer bank feeds for us - personally I prefer it - it forces you to use YNAB the correct way, planning for the future,…
- Richard Holland
- dickydutch
- 7 mths ago
- 1
- Using YNAB
- Reported - view
Re: What did you do to improve your finances today? @Good Intentions You could investigate getting a current account like Monzo, either to use as your main current account, or as your travel account. It offers fee-free international transactions…
- Richard Holland
- dickydutch
- 7 mths ago
- YNAB Wins
- Reported - view
Re: Are categories are account-agnostic? @HappyDance Yep, that's exactly how I'm doing it too. (Well, not quite - all my day to day spending, groceries, london underground travel etc, goes on my Amex card as I get reward points which are…
- Richard Holland
- dickydutch
- 8 mths ago
- 1
- Tips & Tricks
- Reported - view
Re: Are categories are account-agnostic? @Bruce Yes, that's what I was trying to get at. If my Savings Category Group Balance is £1000, and my Savings Account real balance is £1500, then there's £500 somewhere else in the budget that isn't…
- Richard Holland
- dickydutch
- 8 mths ago
- 1
- Tips & Tricks
- Reported - view
Re: Are categories are account-agnostic? There is a third way - if you want to keep some form of category to account mapping is to use Category Groups, and ensure that for a Savings category group,…
- Richard Holland
- dickydutch
- 8 mths ago
- Tips & Tricks
- Reported - view
Re: The scary step of cancelling my only credit card @Richard Holland I forgot to mention, though I think someone mentioned above, a rewards credit card is a great idea - YNAB will help with the discipline to ensure you pay it off in full every month…
- Richard Holland
- dickydutch
- 8 mths ago
- Dealing with Debt
- Reported - view
Re: The scary step of cancelling my only credit card As said above, change it for a credit card with no annual fee. Some uses require a credit card (hotel deposits and car hire deposits are often not accepted on debit cards).…
- Richard Holland
- dickydutch
- 8 mths ago
- 1
- Dealing with Debt
- Reported - view
Re: What if I have *too much* money?! @Blue Harvest There's no reason why you can't start investing in a SIPP (Self Invested Personal Pension). True it's locked in and you can't touch it until you retire (earliest you can access this…
- Richard Holland
- dickydutch
- 11 mths ago
- Saving & Investing
- Reported - view
Re: Why does Credit Card Auto-payment need to be categorized? If both the checking account and credit card account are on-budget, then you'll need to change the payee for the autopay to be Transfer To: Credit Card - this will then correctly post without…
- Richard Holland
- dickydutch
- 11 mths ago
- Credit Cards & Debt
- Reported - view
Re: Unable to select correct account in a transaction @Nicole I've had this happen too, on Chrome on a Mac. Reloading the YNAB page fixes it - so must be down to some scripts failing that the YNAB page runs when it's been running for a long time.…
- Richard Holland
- dickydutch
- 11 mths ago
- Using YNAB
- Reported - view
Re: Debt payoff tracking app for variable rate loan? @Slate Blue Storm Put in a starting rate that is slightly above the historical averages then. You can always tweak the rate if it ever goes above what you've entered into undebt.it .…
- Richard Holland
- dickydutch
- 1 yr ago
- 1
- Dealing with Debt
- Reported - view
Re: Just installed Catalina... @ms1 If you're looking for the cheapest option, use VirtualBox - it's free, and will happily run Windows 10 as a VM.
- Richard Holland
- dickydutch
- 1 yr ago
- Money & Relationships
- Reported - view
Re: Debt payoff tracking app for variable rate loan? @Slate Blue Storm So if you're actively trying to get the debt cleared, it won't do you any harm to set something like undebt.it up with the maximum the interest rate could be.…
- Richard Holland
- dickydutch
- 1 yr ago
- 2
- Dealing with Debt
- Reported - view
Re: But I havnt paid it off yet! Are you in the UK? There are some very useful clauses in UK credit card agreements. One is you can ask the card issuer to issue a chargeback to Amazon for the failure to deliver if Amazon won't give…
- Richard Holland
- dickydutch
- 1 yr ago
- Dealing with Debt
- Reported - view
Consolidation loans are not always bad
Just thought I'd post a positive story here about how new debt isn't always bad debt. I had about £21k owing on 6 credit cards. I was paying £1,100 a month to pay those off - using undebt.…
- Richard Holland
- dickydutch
- 1 yr ago
- 2 replies
- 115
- 7
- Dealing with Debt

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