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Re: Retirement contribution confusion
@jenmas Yes that is what I was asking. I’m glad to hear that I can bump the savings up some more.
Getting control
Cyan_Colt.5
1 mth ago
Saving & Investing
Reported - view
Re: Retirement contribution confusion
@Herman Thanks for your response. I checked the plan and it does allow catch up provision but not until age 50. I’ve got a few years to go.
Getting control
Cyan_Colt.5
1 mth ago
Saving & Investing
Reported - view
Retirement contribution confusion
Hi, Im trying to determine the max I can put into my accounts. I have a 457b at work. I can do Roth and pretax contributions. I recently changed my contribution to 24% ( I think I chose 9% Roth and…
Getting control
Cyan_Colt.5
1 mth ago
4
replies
68
Saving & Investing
Re: Change of Environment
I listen to the Dave Ramsey podcast on a daily basis. I do not follow every word he says but overall his podcast reminds me to stay focused on my money.…
Getting control
Cyan_Colt.5
2 mths ago
1
Tips & Tricks
Reported - view
Re: Reconciling Amazon Transactions
Getting control
Cyan_Colt.5
2 mths ago
Using YNAB
Reported - view
Re: Reconciling Amazon Transactions
One thing that helps me with my amazon purchases is looking at the invoice on each order. On the right hand side, I click invoice. At the bottom of the invoice page is the credit card split.
Getting control
Cyan_Colt.5
2 mths ago
Using YNAB
Reported - view
Re: To Be Budgeted, is Higher than Checking Account Total
Just adding to my previous post. My bank balance never matches my to be budgeted because I have many “Freedom Accounts” to save for things like vacation, property taxes, and Christmas.…
Getting control
Cyan_Colt.5
4 mths ago
Setting Up Your Budget
Reported - view
Re: To Be Budgeted, is Higher than Checking Account Total
Are you doing this by clicking the reconciliation button in YNAB, where it ask is your bank account balance xxx? Maybe there is a transaction pending at your bank thereby reducing available bank…
Getting control
Cyan_Colt.5
4 mths ago
Setting Up Your Budget
Reported - view
Re: Category Names
I have a bills category which is the monthly bills (Hulu, cell phone, mortgage, etc). I have another group called Freedom Accounts based on a book I read 10-15 years ago called Debt Proof Living by…
Getting control
Cyan_Colt.5
10 mths ago
1
Tips & Tricks
Reported - view
Re: Rule for vacation spending
@bret Great suggestion. It’s hard to know if I’m on track if I don’t look at where I’m trying to go. I’m learning a lot on these boards already.
Getting control
Cyan_Colt.5
1 yr ago
Saving & Investing
Reported - view
Re: Rule for vacation spending
@jenmas That’s good to know. This is the perfect time of the year to review our totals for the previous year. We can increase those contributions. I misunderstood how much I could contribute between…
Getting control
Cyan_Colt.5
1 yr ago
Saving & Investing
Reported - view
Re: Rule for vacation spending
@jenmas My husband feels the same way because we could make more off investments versus the interest on the house.
Getting control
Cyan_Colt.5
1 yr ago
3
Saving & Investing
Reported - view
Re: Rule for vacation spending
@dakinemaui I’m saying fully funded retirement based on Dave Ramseys version of 15%. My husband contributes 15% from his paycheck into the company 401k.…
Getting control
Cyan_Colt.5
1 yr ago
Saving & Investing
Reported - view
Re: Rule for vacation spending
@jenmas We are not doing any taxable investing. Maybe that should be the next priority or should we focus on the house? Current balance is $76000. Our May 2020 vacation is about 75% funded already…
Getting control
Cyan_Colt.5
1 yr ago
Saving & Investing
Reported - view
Re: Rule for vacation spending
Also someone asked if I am wishing to spend more on vacation. This varies depending on where we go but the budget is usually $7000-9000. I don’t expect to go above that.
Getting control
Cyan_Colt.5
1 yr ago
Saving & Investing
Reported - view
Re: Rule for vacation spending
Thanks to all that have replied. Last year we spent 9% of our take home income on vacation. I don’t feel like anything else has suffered because of vacation.…
Getting control
Cyan_Colt.5
1 yr ago
1
Saving & Investing
Reported - view
Rule for vacation spending
I’m new to YNAB and although I’ve had to fresh start a few times, it seems to work very well with the way we budget and save. This isn’t exactly app related.…
Getting control
Cyan_Colt.5
1 yr ago
18
replies
217
Saving & Investing
Getting control
Cyan_Colt.5
17
6
0
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