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Re: What exactly would be a month ahead? @Superbone I think you are the one who suggested JL Collins to me. I read ThecSimple Path to Wealth book and made some adjustments to my retirement account. Thanks for the suggestion.
- Getting control
- Cyan_Colt.5
- 2 mths ago
- 1
- Using YNAB
- Reported - view
Re: What exactly would be a month ahead? I put my paychecks in a HOLD FOR NEXT MONTH category. So on May 1, I moved all the funds from HOLD FOR NEXT MONTH into the to be budgeted. Then I budgeted for the entire month which includes monthly…
- Getting control
- Cyan_Colt.5
- 2 mths ago
- 3
- Using YNAB
- Reported - view
Re: What job do you give your savings? @Superbone I just bought it. Thanks for the link.
- Getting control
- Cyan_Colt.5
- 4 mths ago
- 1
- Saving & Investing
- Reported - view
Re: What job do you give your savings? @Superbone I haven’t heard ofJL Collins. I will have to check it out.
- Getting control
- Cyan_Colt.5
- 4 mths ago
- Saving & Investing
- Reported - view
Re: What job do you give your savings? @Superbone I call my group of longer term savings Freedom Accounts for freedom from stress and freedom from debt. I’m pretty sure I got the name from Mary Hunts Debt Proof Living many many years ago.…
- Getting control
- Cyan_Colt.5
- 4 mths ago
- 1
- Saving & Investing
- Reported - view
Re: Too many wishes to fund Here is two screen shots of my sinking funds. I call them Freedom Accounts. Some have set amounts and some get funded if I decide to. I could fund some of the smaller ones in full but I like doing…
- Getting control
- Cyan_Colt.5
- 6 mths ago
- Saving & Investing
- Reported - view
Re: Too many wishes to fund One thing to keep in mind with your sinking funds is that you don’t need to fund a whole year in advance you just need to be putting enough in to cover the bill when it comes.…
- Getting control
- Cyan_Colt.5
- 6 mths ago
- Saving & Investing
- Reported - view
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
- 7 mths 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
- 7 mths 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
- 7 mths ago
- 4 replies
- 81
- 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
- 9 mths ago
- 1
- Tips & Tricks
- Reported - view
Re: Reconciling Amazon Transactions
- Getting control
- Cyan_Colt.5
- 9 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
- 9 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
- 10 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
- 10 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
- 1 yr 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
- 231
- Saving & Investing

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