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Re: Growing for savings I'm wanting to garden for the very same reasons (and chickens too), but so far it just seems to cost a lot of $ that I want to keep in my emergency fund! So I scaled back my ambitions.…
- Ivory Storm
- Ivory_Storm.3
- 9 days ago
- 1
- Saving
- Reported - view
Re: Growing for savings @Melissa Something that has helped me is looking around at what my neighbors are doing. For instance, in many gardening books, summer is assumed as the gardening season.…
- Ivory Storm
- Ivory_Storm.3
- 9 days ago
- 2
- Saving
- Reported - view
Re: SURVEY PLEASE: Build savings or payoff debt in 2020? @WordTenor i hope people do remember, in november. This is a political failure of the highest magnitude. I am processing my feelings of anger for people who have supported this leadership due to…
- Ivory Storm
- Ivory_Storm.3
- 1 mth ago
- 1
- Managing Debt
- Reported - view
Re: SURVEY PLEASE: Build savings or payoff debt in 2020? @Annieland do you get it now?
- Ivory Storm
- Ivory_Storm.3
- 1 mth ago
- Managing Debt
- Reported - view
withdrawing from Roth
Hi everyone, thanks for this great forum! I started a few months ago and YNAB is really transforming things around here. I am also coming to understand some mistakes I've made in the past.…
- Ivory Storm
- Ivory_Storm.3
- 1 mth ago
- 5 replies
- 140
- Travel
Re: Setting a goal? I love your direct statements. I dunno that, if I can afford to take 6 mos off, then I can afford extra retirement savings plus the adventures. As a single working parent a *ton* of money goes into…
- Ivory Storm
- Ivory_Storm.3
- 2 mths ago
- Saving
- Reported - view
Re: Setting a goal? @MsTJ I realized that I can't go on any big adventures and trips, with debt over my head. . . . So, paying off the full debt, whatever its interest rate, is kinda like funding a trip.…
- Ivory Storm
- Ivory_Storm.3
- 2 mths ago
- Saving
- Reported - view
Re: Setting a goal? I haven't moved the money into the IRA yet, just set it up. There is about 8k in the Roth that I need to take out before April 15. I will read about the backdoor Roth.…
- Ivory Storm
- Ivory_Storm.3
- 2 mths ago
- Saving
- Reported - view
Re: how do you think through downscaling a house? @nolesrule Thanks for this, I am really coming to appreciate your perspective after lots of reading on the forum. I think I decided it isn't the right pathway for me anyways.…
- Ivory Storm
- Ivory_Storm.3
- 3 mths ago
- Investing & Retirement
- Reported - view
Re: how do you think through downscaling a house? @Festive Healer I had never considered that! This could be a really nice idea for us! I like it that I could try it out and then move back if I wanted . . thanks!
- Ivory Storm
- Ivory_Storm.3
- 3 mths ago
- Investing & Retirement
- Reported - view
Setting a goal?
The first goal I made was to get on track with my true expenses, consolidate my debt, and figure out how ynab works. In about 6 weeks I was able to do that.…
- Ivory Storm
- Ivory_Storm.3
- 3 mths ago
- 11 replies
- 205
- 1
- Saving
Re: moving transactions to a different account thanks!
- Ivory Storm
- Ivory_Storm.3
- 3 mths ago
- 2
- Tips & Tricks
- Reported - view
moving transactions to a different account
I just entered a bunch of transactions to my checking account, instead of my cc account where they actually posted. Is there a way to move them without deleting and starting over in the other…
- Ivory Storm
- Ivory_Storm.3
- 3 mths ago
- 2 replies
- 35
- Tips & Tricks
Re: managing low-interest debt I got it! Move Money tool, brilliant! Thank you so much, I undid all my previous phony transactions and reconciliations and used the move money tool as you said to. Neato!!
- Ivory Storm
- Ivory_Storm.3
- 3 mths ago
- 5
- Managing Debt
- Reported - view
Re: managing low-interest debt @Ivory Storm OK I have never used the Move Money tool . .I will fuss around with that. i worry I am adding too much complexity for my brain to handle when I am also at the same time fundamentally…
- Ivory Storm
- Ivory_Storm.3
- 3 mths ago
- Managing Debt
- Reported - view
Re: managing low-interest debt My plan was to send only $50 to my CC so that is how much I budgeted at the begin of month. From my other budget categories, I also spent $500 of money that was budgeted, on my CC.…
- Ivory Storm
- Ivory_Storm.3
- 3 mths ago
- Managing Debt
- Reported - view
Re: managing low-interest debt @dakinemaui I feel really dense but I don't know what this means: 2. Reallocate the remainder of funds from the CC Payment category to the HELOC payment category.…
- Ivory Storm
- Ivory_Storm.3
- 3 mths ago
- Managing Debt
- Reported - view
Re: managing low-interest debt @dakinemaui thanks for your many helpful contributions on this forum. i just did this for the first time and can I run it by you to see if I did it correctly?…
- Ivory Storm
- Ivory_Storm.3
- 3 mths ago
- Managing Debt
- Reported - view
Re: Newbie Budgeting Question: When to budget this has been a hard one for me as well but 2 months in I am seeing the value. Due to the way I used to "budget," ie forecast, I would lose track of the days in between when I budgeted and when my…
- Ivory Storm
- Ivory_Storm.3
- 3 mths ago
- 2
- Getting Started
- Reported - view
Re: managing low-interest debt @casner I guess my question is about implicitly transferring debt to the 0% rather than 4.5% balance by paying my cc available amount to the HELOC instead of to the card where the expenses were…
- Ivory Storm
- Ivory_Storm.3
- 3 mths ago
- Managing Debt
- Reported - view
managing low-interest debt
I am entering into YNAB with two sources of debt. One is a cc balance of $5000. It is at 0% for the next 6 months, and all new purchases are also 0% for the next 6 months.…
- Ivory Storm
- Ivory_Storm.3
- 3 mths ago
- 14 replies
- 209
- Managing Debt
Re: What's a buffer? thank you for this!
- Ivory Storm
- Ivory_Storm.3
- 3 mths ago
- Getting Started
- Reported - view
Re: What's a buffer? Does it also count as "buffering" if you just put extra money into the categories? I am paid at the end of the month. So technically I am "buffered"right from the get-go. But . . 1 month in . .…
- Ivory Storm
- Ivory_Storm.3
- 3 mths ago
- Getting Started
- Reported - view
Re: how do you think through downscaling a house? @farfromtheusual Yup I always do the plastic, it helps a lot. I added insulation a few years ago and it made such a huge difference but there's still quite a ways to go . .…
- Ivory Storm
- Ivory_Storm.3
- 3 mths ago
- 1
- Investing & Retirement
- Reported - view
Re: how do you think through downscaling a house? @dakinemaui I guess it means that we didn't fall into the trap in the first place of overextending ourselves? Or maybe overextending is relative. I think that the house I am is affordable,…
- Ivory Storm
- Ivory_Storm.3
- 3 mths ago
- 1
- Investing & Retirement
- Reported - view

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