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Re: How to Approach Renovations? Also, in the US at least, right now is a terrible time to do major projects. Materials are backordered, prices are really high, etc. Not a great time for major projects of any kind.
- Ivory Storm
- Ivory_Storm.3
- 2 mths ago
- Setting Up Your Budget
- Reported - view
Re: How to Approach Renovations? In my house projects here is how I prioritize: 1- safety. So, for me, earthquake mitigation would come first. That involves possibly saving lives, your own or someone else's.…
- Ivory Storm
- Ivory_Storm.3
- 2 mths ago
- Setting Up Your Budget
- Reported - view
Re: Tracking costs of individual vacations I do a combination. Every year I take a trip to the same destination in Texas to see my bestie. So, Texas has its own category so that I can very easily compare year-to-year expenses on that.…
- Ivory Storm
- Ivory_Storm.3
- 2 mths ago
- Setting Up Your Budget
- Reported - view
Re: A (planned) year off work! @gemlad OMG we allllllll want that. I have longed for something like that!!! I hope you do write an app like that and that it's a brilliant success!
- Ivory Storm
- Ivory_Storm.3
- 3 mths ago
- 1
- YNAB Wins
- Reported - view
Re: A (planned) year off work! @gemlad That is just inspirational. Bravo!
- Ivory Storm
- Ivory_Storm.3
- 3 mths ago
- 1
- YNAB Wins
- Reported - view
Re: A (planned) year off work! That's incredible! How long have you been using this app?
- Ivory Storm
- Ivory_Storm.3
- 3 mths ago
- YNAB Wins
- Reported - view
Re: How to use up my budgeted portion for a savings goal In addition to what Superbone wrote, you might find it useful to choose categories that 'can be' raided. I always choose to raid my grocery category, because I know that if it comes down to it I can…
- Ivory Storm
- Ivory_Storm.3
- 3 mths ago
- Saving & Investing
- Reported - view
Re: Trying to figure out how to SPEND money and going backwards? I would start a "vacation land/cabin" savings category. I would not deplete your transportation category to fund it. And then, I'd start saving for a 20% down payment and see how that feels in the…
- Ivory Storm
- Ivory_Storm.3
- 4 mths ago
- Money & Relationships
- Reported - view
Re: YNAB should be more helpful with planning @Annieland You're on fire!!!! Ha haa ha ha ha
- Ivory Storm
- Ivory_Storm.3
- 5 mths ago
- 1
- Setting Up Your Budget
- Reported - view
Re: YNAB should be more helpful with planning @Annieland Right, that was my point. My point was about clarity in budgeting process rather than being "one month ahead"- budgeting in 1-month chunks.
- Ivory Storm
- Ivory_Storm.3
- 5 mths ago
- 1
- Setting Up Your Budget
- Reported - view
Re: Ratio of Retirement vs. Non-Retirement Investing? @Annieland HA!
- Ivory Storm
- Ivory_Storm.3
- 5 mths ago
- 1
- Saving & Investing
- Reported - view
Re: YNAB should be more helpful with planning @Turquoise Piano I get paid monthly at the end of the month, so I can budget in full-month increments without having made any special effort. For others paid more frequently than that,…
- Ivory Storm
- Ivory_Storm.3
- 5 mths ago
- Setting Up Your Budget
- Reported - view
Re: Ratio of Retirement vs. Non-Retirement Investing? @silver_guitar I'm so glad it was useful to you! I think @Annieland said on another threat that @nolesrule is on the "Boglehead" forum. Given how much I appreciate his knowledge I thought I would…
- Ivory Storm
- Ivory_Storm.3
- 5 mths ago
- 2
- Saving & Investing
- Reported - view
Re: YNAB should be more helpful with planning @Turquoise Piano Budgeting in full month increments will totally resolve this problem for you. It's completely transparent to me how much I can spend on groceries each month if I want to make sure a…
- Ivory Storm
- Ivory_Storm.3
- 5 mths ago
- 3
- Setting Up Your Budget
- Reported - view
Re: YNAB "Lite" for Kids? I have absolutely thought of this too!
- Ivory Storm
- Ivory_Storm.3
- 5 mths ago
- Parenting
- Reported - view
Re: What to do with large inheritance based on our situation? @Annieland I can totally relate to that. Money is absolutely what has kept me from having a 2nd child. It's not money exactly . . it's time. All of the time that money can bring.…
- Ivory Storm
- Ivory_Storm.3
- 6 mths ago
- 2
- Saving & Investing
- Reported - view
Re: What to do with large inheritance based on our situation? @Silver Guitar you might enjoy reading The Simple Path to Wealth. It was very eye opening . . and motivating. When he says simple, he means simple. Very,…
- Ivory Storm
- Ivory_Storm.3
- 6 mths ago
- 2
- Saving & Investing
- Reported - view
Re: Kids Savings Accounts @Forest Green Commander I went around and around and there are a few pieces of info about 529 that swayed me. Just sharing for the facts, I definitely don't have any stakes in how someone approaches…
- Ivory Storm
- Ivory_Storm.3
- 6 mths ago
- Using YNAB
- Reported - view
Re: What to do with large inheritance based on our situation? The working-single-parent in me is breathing that deep exhale that you have childcare expenses covered like this. What an amazing gift and a way for your wife's grandmother to keep being present to…
- Ivory Storm
- Ivory_Storm.3
- 6 mths ago
- 3
- Saving & Investing
- Reported - view
Re: Kids Savings Accounts Following because I have the same question, but for 1 kid. I am feeling motivated to increase my retirement savings by 'allocating' it to different categories.…
- Ivory Storm
- Ivory_Storm.3
- 6 mths ago
- Using YNAB
- Reported - view
Re: Need input on how to approach divorce settlement (emotional/financial advice, not legal) @labrucebee a mediator = investment in your futures and in your child's future. I think you both have to learn new skills anyhow, when there's a child, nobody can truly walk away,…
- Ivory Storm
- Ivory_Storm.3
- 7 mths ago
- 3
- Money & Relationships
- Reported - view
Re: Need input on how to approach divorce settlement (emotional/financial advice, not legal) Y'all are all saying don't let her bully you, but 40% of the equity minus the down payment is perhaps not even that far from 20K, which the ex offered.…
- Ivory Storm
- Ivory_Storm.3
- 7 mths ago
- 1
- Money & Relationships
- Reported - view
Re: A milestone and renewed optimism I love these inspirational threads :) I had a win which was - I saved money in a category for federal taxes that hadn't been withheld from my paycheck. I just did my taxes and indeed owed money.…
- Ivory Storm
- Ivory_Storm.3
- 7 mths ago
- 3
- YNAB Wins
- Reported - view
Re: Emergency Fund in Tracking? @Annieland that is hilarious & I would love to see it.
- Ivory Storm
- Ivory_Storm.3
- 7 mths ago
- 1
- Setting Up Your Budget
- Reported - view
Re: Need input on how to approach divorce settlement (emotional/financial advice, not legal) @labrucebee In your shoes I'd accept less than half of what the house is currently worth, but how much less is the question. Half of 575K is a lot especially since that represents a meaningful…
- Ivory Storm
- Ivory_Storm.3
- 7 mths ago
- 1
- Money & Relationships
- Reported - view

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