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Re: Hide Savings from To Be Budgeted The idea is to actually budget your savings so you know what they are for. Is your savings your emergency fund? Are you saving for a vacation? What are you saving for?
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 7 hrs ago
- 1
- Method & Budgeting
- Reported - view
Re: Pay it off or hold the cash? Can you move it onto a 0% interest card for awhile until the situation resolves? Because I would keep the cash if I were you, but that is a crazy interest rate to pay just to have some cash.…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 3 days ago
- 2
- Managing Debt
- Reported - view
Re: 2020: The Official YNAB Savings Challenge I "saved up" $3100 for my Roth and E-fund in March by reallocating the money for my yoga membership to my E-fund, and from some other categories, because clearly a storm is here and I want to be…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 5 days ago
- Community Challenges
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Re: The Official 2020 Debt Smackdown I've decided to only pay minimum payments on my debt until this Coronavirus crisis is over, because I may want that cash for something else. Another factor is that I decided to up my investments…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 5 days ago
- 5
- Community Challenges
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Re: Apocalypse Budget: retirement vs. real estate? @Silver Deer I literally just deleted my retirement accounts from my Mint account so I don't have to see my balances every time I log in. This is a part of the process, the downs and the ups,…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 3 wk ago
- 2
- Investing & Retirement
- Reported - view
Re: Apocalypse Budget: retirement vs. real estate? Usually you have to trade higher risks for more rewards. If you don't like seeing your balances going up and down you can ignore them (that's my method) or use more bonds,…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 3 wk ago
- 4
- Investing & Retirement
- Reported - view
Re: March is Get Off the Credit Card Float month @dakinemaui I think it's more about feelings in this case. If you work hard to get out of debt, then have an emergency and have to go back into debt, it's going to be harder to find the motivation…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 4 wk ago
- 3
- Managing Debt
- Reported - view
Re: Emergency/Doomsday Budget? @B's Gambit That sounds horrible, I'm so sorry you're going through this. At least Ynab helped you manage it somewhat. Stay strong.
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 1 mth ago
- Tips & Tricks
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Re: Emergency/Doomsday Budget? @PhysicsGal That was actually an illuminating budget nerd exercise that only took a little bit of time. I used a fresh start budget and made new goals that were for a bare bones emergency fund…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 1 mth ago
- 1
- Tips & Tricks
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Re: March is Get Off the Credit Card Float month I cheated and got off the float with my HEL to also pay off my entire credit card balance and pay off my ex in the divorce (which was why I had a balance instead of my usual float).…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 1 mth ago
- Managing Debt
- Reported - view
Re: Emergency/Doomsday Budget? If you want to be really prepared, you could start a new budget and set goals for what your budget would be if you pared it down to the lowest possible spending,…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 1 mth ago
- 2
- Tips & Tricks
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Re: Investing for medium-long term goals with YNAB? Thanks for the responses ya'll! I think I will start with using an off budget tracking account that I reconcile once a month for my medium-longer (5-10 year) term category goals.…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 1 mth ago
- Investing & Retirement
- Reported - view
Investing for medium-long term goals with YNAB?
This is something I'm thinking about for the future, I'm not ready for it right now, but I'm wondering how people who are already doing this do things.…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 1 mth ago
- 16 replies
- 371
- Investing & Retirement
Re: What's a buffer? @Bakari said: That's why I wish personal finance and budgeting were taught in at least high school so more ppl could do better with their money, and that there was a better distribution of wealth so…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 1 mth ago
- 2
- Getting Started
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Re: What's a buffer? @WordTenor That's pretty much what I've decided. I am paid for the month on the last work day of the month, so I can budget my entire month in one go. But I still built up a one month emergency…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 1 mth ago
- 1
- Getting Started
- Reported - view
Re: How to record automatic transfers to savings account @Steel Blue Koala You now have $1k sitting there in your emergency fund category. That's a good thing. You should use a either a category balance by date goal or a monthly contribution goal,…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 1 mth ago
- 1
- Saving
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Re: Help managing charity goals I am actually on a %age based budget now and Giving is one of my category groups that I have a set %-age designated for. I budget at the beginning of the month and send a check to my church for the…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 1 mth ago
- Method & Budgeting
- Reported - view
Re: Far From the Usual's Guide to Getting Started Thanks! Your post was full of useful tidbits. I have definitely been a bit too gazelle intense and, although it helped me make a lot of progress on my debt, it was stressful.…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 1 mth ago
- Getting Started
- Reported - view
Re: 2020: The Official YNAB Savings Challenge I'm on line 33 and I'm upping my goal to save $13.5k total, $6k to fully fund my Roth and $7.5k into my emergency fund, bringing the total for my Efund to $8.5k.…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 1 mth ago
- 1
- Community Challenges
- Reported - view
Re: The Official 2020 Debt Smackdown My Feb update: My balance is now $9298. My original goal was to pay of $7k, but since I got a bonus refund from my home insurance being paid during my refinance and I finally put my redecorated…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 1 mth ago
- 4
- Community Challenges
- Reported - view
Re: Divorced & Moving On Towards Financial Independence @JR5445 Oh man, I'm pretty sure my ex is BPD too and it's horrible! Walking on eggshells. For anyone who is still in the process of getting divorced and suspects BPD or NPD,…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 1 mth ago
- 2
- Money & Relationships
- Reported - view
Re: Divorced & Moving On Towards Financial Independence @ukimagic209 Even despite everything he did to me, I still miss my ex. I miss the intellectual connection I had with him. I guess I've learned that I can't have everything in one person and it's not…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 1 mth ago
- Money & Relationships
- Reported - view
Re: Divorced & Moving On Towards Financial Independence @Gold Pilot said: You know why divorce is so expensive? Because it’s worth it. 😉 Totally true IMO!!!!
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 1 mth ago
- Money & Relationships
- Reported - view
Re: Divorced & Moving On Towards Financial Independence @Superbone Yeah, that's the kind of thing I personally wouldn't want to take money from my ex for, but then again, all my ex's have tried to get as much money out of me as possible,…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 1 mth ago
- Money & Relationships
- Reported - view
Re: How often do you work on your budget and reconcile? Daily/Weekly/Monthly? You should be checking that you have money in the category before you spend, otherwise you're just tracking and not really using your budget to change your behavior, which is the beauty of YNAB.…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 1 mth ago
- 2
- Method & Budgeting
- Reported - view

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PhysicsGal

physicsgal

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I'm a scientist who is trying to pay off my home equity loan debt and save an emergency fund.