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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
- 4 wk ago
- 2
- Method & Budgeting
- 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
- 1 mth 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
- 1 mth 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
- 1 mth 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
- 1 mth ago
- Accounts & Transactions
- 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
- 1 mth ago
- 5
- Debt
- Reported - view
Re: Overspending on True Expenses why not just bring the savings account on budget, and budget that money into relevant categories? I feel like YNAB works better and better, the more I lean into it rather than away.…
- Ivory Storm
- Ivory_Storm.3
- 1 mth ago
- Method & Budgeting
- Reported - view
Re: I'm broke and need help I wanted to send heart power. You are surviving. You are surviving so much. When is your next pay check & when might your GFs be coming? How long do you have to survive without money for groceries?…
- Ivory Storm
- Ivory_Storm.3
- 1 mth ago
- 3
- Debt
- Reported - view
Re: Payroll taxes? @Khaki Storm it's creating an expectation against payroll taxes that concerns me . . . the politics. i know the finances can be managed if the politics are supportive.
- Ivory Storm
- Ivory_Storm.3
- 2 mths ago
- Method & Budgeting
- Reported - view
Re: Payroll taxes? I think it's part of a structure to create confusion and expectations which would lead to defunding social security. The idea will be that if we vote for a certain candidate,…
- Ivory Storm
- Ivory_Storm.3
- 2 mths ago
- 3
- Method & Budgeting
- Reported - view
Re: Payroll taxes? The president issued an executive order deferring payroll taxes. He is calling it a "payroll tax holiday." However, he has no authority to eliminate the tax.…
- Ivory Storm
- Ivory_Storm.3
- 2 mths ago
- 2
- Method & Budgeting
- Reported - view
Payroll taxes?
Do you all seriously think that employers are going to stop deducting payroll taxes? If they do, then that means we are all responsible for paying our own tax bill, right?…
- Ivory Storm
- Ivory_Storm.3
- 2 mths ago
- 28 replies
- 306
- Method & Budgeting
Re: No mow lawns or low mow @The Artist Formerly Known As oh yes, sitting, pretend "ice cream stand," hide and seek, those logs really do it all. I've even put tablecloth on the flatter ones and used them as tables for a party.…
- Ivory Storm
- Ivory_Storm.3
- 2 mths ago
- 4
- Parenting
- Reported - view
Re: No mow lawns or low mow The clover idea is gorgeous. I can't stand mowing, and I have a huge yard which was completely full of sod when I first moved here. I'm on a mission to eliminate grass!…
- Ivory Storm
- Ivory_Storm.3
- 2 mths ago
- 4
- Parenting
- Reported - view
Re: Frustrated & Lost @Powder Blue Case I would rename "Savings at Ally" (the category group, not the actual account) -- I'd rename it to "Savings." Then I would rename "Edward Jones" (the category) to "IRA.…
- Ivory Storm
- Ivory_Storm.3
- 2 mths ago
- Method & Budgeting
- Reported - view
Re: Frustrated & Lost @Powder Blue Case I find the target savings balance depressing for a few of my categories. So I deleted it. Every month, to those categories, I just allocate what I can/want to.…
- Ivory Storm
- Ivory_Storm.3
- 2 mths ago
- 1
- Method & Budgeting
- Reported - view
Re: Frustrated & Lost @Powder Blue Case I would delete the "Savings at Ally" category group. That is just going to get you into trouble with a capital T. (see what norules says above about categories v. accounts).…
- Ivory Storm
- Ivory_Storm.3
- 2 mths ago
- 4
- Method & Budgeting
- Reported - view
Re: Frustrated & Lost Also, I got super confused when I started too, and I think I had 4 budgets that got deleted and a fresh start as well. It's such a different way of thinking about money.…
- Ivory Storm
- Ivory_Storm.3
- 2 mths ago
- 1
- Method & Budgeting
- Reported - view
Re: Frustrated & Lost I would suggest not using goals until you have the basics of making a category, budgeting money to it, and then charging transactions to it -- down cold.…
- Ivory Storm
- Ivory_Storm.3
- 2 mths ago
- 1
- Method & Budgeting
- Reported - view
Re: 2-Year YNAB-versary i love posts like this, it's so inspirational. I wonder where I will be in 2 years. Congratulations on your achievements!
- Ivory Storm
- Ivory_Storm.3
- 2 mths ago
- YNAB Wins
- Reported - view
Re: Far From the Usual's Guide to Getting Started I've read and reread it bunches of times right now! really, really helpful . . especially the peaceful energy around letting myself take time to understand what is really going on,…
- Ivory Storm
- Ivory_Storm.3
- 2 mths ago
- 1
- Getting Started
- Reported - view
Re: Budgeting for first time Homeowner @nolesrule For this 1%, do you use the purchase price or the market price? my house doubled in value, should I ideally be doubling how much I reserve for maintenance?…
- Ivory Storm
- Ivory_Storm.3
- 2 mths ago
- 1
- Method & Budgeting
- Reported - view
Re: Budgeting for first time Homeowner Here are my categories related to housing: Mortgage - if I were buying a new house, I personally would just lump all closing costs and fees into this category to keep it simple.…
- Ivory Storm
- Ivory_Storm.3
- 2 mths ago
- 1
- Method & Budgeting
- Reported - view
Re: Budget vs Actual @Coral Battery What I personally love about YNAB is that , to tell if my "budget is performing," I don't evaluate whether I'm matching my pre-given guesses about how much I spend,…
- Ivory Storm
- Ivory_Storm.3
- 3 mths ago
- 5
- Method & Budgeting
- Reported - view
Re: personal finance for emergencies @nolesrule thank you, that's just what I was wondering. I wouldn't take out an EF on credit, but I also wouldn't spend my EF to pay down my mortgage , so I was having trouble figuring out which…
- Ivory Storm
- Ivory_Storm.3
- 3 mths ago
- Managing Debt
- Reported - view

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