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Re: YNAB method mind shift @Silver Robot I read someone here say, pick a focus, any focus. That helped me a lot. I picked my EF first. Then I got more comfortable with that and picked my debt as a focus.…
- Ivory Storm
- Ivory_Storm.3
- 2 wk ago
- 4
- Tips & Tricks
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Re: How much spent at a specific vendor @Ceeses but then is there a way to get a total for all those transactions?
- Ivory Storm
- Ivory_Storm.3
- 2 wk ago
- Using YNAB
- Reported - view
How much spent at a specific vendor
Is there a way to see how much money I spent at a specific vendor over a certain time period? The vendor in question is amazon . . . my spending there is in lots of different categories so it's not…
- Ivory Storm
- Ivory_Storm.3
- 2 wk ago
- 4 replies
- 77
- Using YNAB
Re: Outgrown YNAB? @goose61282 thanks for sharing all this! It is very interesting to see the value of ynab at different stages of financial strength.
- Ivory Storm
- Ivory_Storm.3
- 2 wk ago
- YNAB Wins
- Reported - view
Re: DMP - Is it worth trying to pay off faster? I would hold onto that money and build my emergency funds. It's okay to carry debt. Especially with no interest/charges! That allows you to prioritize other things.…
- Ivory Storm
- Ivory_Storm.3
- 2 wk ago
- 2
- Dealing with Debt
- Reported - view
Re: How do you all track religious tithing with variable income? @DanD yeah that's not correct. There should never be a negative. Only budget the money as it arrives. Budget it to the highest priorities that must be paid before your next income arrives.…
- Ivory Storm
- Ivory_Storm.3
- 2 wk ago
- Setting Up Your Budget
- Reported - view
Re: How do you all track religious tithing with variable income? @Periwinkle Flute yup, I'm speaking from my own religious context, but I'm sure the practice is differently conceived in different religious settings. "Tithing" is biblical but like many aspects of…
- Ivory Storm
- Ivory_Storm.3
- 2 wk ago
- Setting Up Your Budget
- Reported - view
Re: How do you all track religious tithing with variable income? @Periwinkle Flute I tried that approach and an issue that came up for me is that with a lower income month, 10% might not be affordable. But when the check is higher, 15% or more could be affordable.…
- Ivory Storm
- Ivory_Storm.3
- 2 wk ago
- Setting Up Your Budget
- Reported - view
Re: How do you all track religious tithing with variable income? What I do is use the Reports. I have a category group called "justice and compassion" with the various causes and contributions I make. Some of these expenditures are a fixed amount each month,…
- Ivory Storm
- Ivory_Storm.3
- 2 wk ago
- Setting Up Your Budget
- Reported - view
Re: Flow Sheet on Spending @Cirrus that's how I figured out if I could afford to have a child. I spent almost a year putting child care expenses away each month and seeing how it felt to live on the rest.…
- Ivory Storm
- Ivory_Storm.3
- 3 wk ago
- 2
- Tips & Tricks
- Reported - view
Re: Will I have enough money for my bills on the 1st? @dakinemaui I did this when i started, and it felt like swallowing icy cold wind to see my savings fund get spread out like that through my budget, but it made the logic of it all soooo much clearer.…
- Ivory Storm
- Ivory_Storm.3
- 3 wk ago
- 3
- Setting Up Your Budget
- Reported - view
Re: Furnace fund v debt @PhysicsGal that's a good idea. I am right on track with that plan or even ahead :) (upped my contribution by $100 when I first read this thread, then by another $100 when I reread it a few month…
- Ivory Storm
- Ivory_Storm.3
- 1 mth ago
- Saving & Investing
- Reported - view
Re: Furnace fund v debt @Spring Green Lobster Sorry about your furnace . . and glad you had that CO2 monitor. And emergency fund. I also live in an old house and there are always $$ surprises.…
- Ivory Storm
- Ivory_Storm.3
- 1 mth ago
- Saving & Investing
- Reported - view
Re: Furnace fund v debt @PhysicsGal I really like this conversation and that reddit chart. I am paying off low interest debt before putting the maximum in retirement, and since seeing the Reddit chart and reading…
- Ivory Storm
- Ivory_Storm.3
- 1 mth ago
- Saving & Investing
- Reported - view
Re: how do you analyze your spending and your reports? @dakinemaui What do you mean Search is more powerful? Is Search the name of a product or are you referring to searching your transactions?
- Ivory Storm
- Ivory_Storm.3
- 1 mth ago
- Using YNAB
- Reported - view
how do you analyze your spending and your reports?
Hi everyone. I'm about 2 months away from my first full year with YNAB. I've never budgeted before, so you can imagine how my mind is blown in terms of how things are staying on track,…
- Ivory Storm
- Ivory_Storm.3
- 1 mth ago
- 10 replies
- 124
- 2
- Using YNAB
Re: Dealing with large overspend in November I would want to hang onto my buffer for ease of budgeting. So I guess that leaves you pulling from the other three, if I understand correctly. With some of those very long-term TEs,…
- Ivory Storm
- Ivory_Storm.3
- 1 mth ago
- Tips & Tricks
- Reported - view
Re: Needing Guidance @Annieland it's a category which is half living, half dead . . . (((spooky music)))))
- Ivory Storm
- Ivory_Storm.3
- 2 mths ago
- 2
- Setting Up Your Budget
- Reported - view
Re: Needing Guidance @Jason Standiford I was doing the same as you with my Emergency Fund, putting money in and pulling it out as needed . . which is not the point of an emergency fund.…
- Ivory Storm
- Ivory_Storm.3
- 2 mths ago
- 2
- Setting Up Your Budget
- Reported - view
Re: Planning my Christmas Gifts spending (or really, any category) You could do categories by groups of people, like : Christmas gifts for siblings; christmas gifts for kids; etc. To break it down a bit but still keep it manageable.…
- Ivory Storm
- Ivory_Storm.3
- 3 mths ago
- 2
- Setting Up Your Budget
- Reported - view
Re: Vacation Expenses Prior to Vacation Or, if you take a lot of vacations, then maybe you could have a generic Vacation fund for each season, renaming them each season to whatever your new destination is.…
- Ivory Storm
- Ivory_Storm.3
- 4 mths ago
- Tips & Tricks
- Reported - view
Re: Vacation Expenses Prior to Vacation However, I don't know how that would work in terms of eventually combining them into just one category. that adds a wrinkle I think.
- Ivory Storm
- Ivory_Storm.3
- 4 mths ago
- Tips & Tricks
- Reported - view
Re: Vacation Expenses Prior to Vacation For my Christmas savings I put a "spendings goal by [date]." Then, it tells me how much to fund each month, and when I spend money from that category, the goal automatically updates.…
- Ivory Storm
- Ivory_Storm.3
- 4 mths ago
- 1
- Tips & Tricks
- Reported - view
Re: Should a Credit Account working Balance = Available Balance in Budget? if I understand correct, then yes you have #4 correct, but it's only an issue if you charged it to cc. If it was a cash purchase, then the category goes negative,…
- Ivory Storm
- Ivory_Storm.3
- 4 mths ago
- Credit Cards & Debt
- Reported - view
Re: I'm broke and need help @Violet Rain @Nathan Dowlen Just want to emphasize what Violet Rain said. Community food banks are there for everyone. And, personally, I think we are in a much better space,…
- Ivory Storm
- Ivory_Storm.3
- 4 mths ago
- 5
- Credit Cards & Debt
- Reported - view

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