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Re: keeping a fund category topped up (irreg expenses)
I can't remember who made it, but here's a spreadsheet that one of the YNAB heroes on here made to calculate how much to put into a fund that combines a bunch of irregular expenses.…
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PhysicsGal
Nerdy female homo sapien
physicsgal
1 mth ago
2
Setting Up Your Budget
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Re: Separate budget for investments?
Lol, I haven't seen Suze in awhile! She's funny. @Annieland said: Basically, nolesrule 's genius 50% investment offset category method. That must be what I was thinking about! Yeah,…
PhysicsGal
Nerdy female homo sapien
physicsgal
1 mth ago
Using YNAB
Reported - view
Re: Income direct to a category
When I do an HSA reimbursement from my tracking HSA account I categorize it directly into my HSA category on budget.
PhysicsGal
Nerdy female homo sapien
physicsgal
1 mth ago
Using YNAB
Reported - view
Re: Separate budget for investments?
I don't remember whose idea it was, but someone on the forums gave me the idea to start a separate "net worth" budget so that I can track my net worth in YNAB but not see all those accounts as part…
PhysicsGal
Nerdy female homo sapien
physicsgal
1 mth ago
1
Using YNAB
Reported - view
Re: Robo-Advisors: Betterment vs. SoFi
@nolesrule I was gonna say the exact same thing. I started my Roth IRA at Vanguard with a Target Date fund after reading a book to tell me all about investing for retirement and deciding to go with…
PhysicsGal
Nerdy female homo sapien
physicsgal
1 mth ago
Saving & Investing
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Re: New Year Plan: Fresh Start? Or Just Continue On W/ Current Budget
I just did a fresh start and I'm happy with it. Not sure if I'll do it every year.
PhysicsGal
Nerdy female homo sapien
physicsgal
1 mth ago
Using YNAB
Reported - view
Re: What banks support automatic imports?
My Ally bank accounts connect to YNAB without any issues.
PhysicsGal
Nerdy female homo sapien
physicsgal
2 mths ago
1
Using YNAB
Reported - view
Re: Flow Sheet on Spending
@Periwinkle Flute Ha ha ha!!! That was also funny.
PhysicsGal
Nerdy female homo sapien
physicsgal
2 mths ago
Tips & Tricks
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Re: Flow Sheet on Spending
@WordTenor Ha ha ha, I love that old SNL skit! I wish they had shown that to me when I was a teenager. Except not sure how I would have paid for school, since, unlike my parents,…
PhysicsGal
Nerdy female homo sapien
physicsgal
2 mths ago
Tips & Tricks
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Re: Reconciliation
Not sure if this is helpful, but I used to use YNAB in combination with cash envelopex for the categories I tend to overspend, groceries, fun $, etc. If you don't want to deal with the pain of…
PhysicsGal
Nerdy female homo sapien
physicsgal
2 mths ago
Using YNAB
Reported - view
Re: Separating Business from Personal Budget
You need to start with separate accounts for you business and personal life, then you can separate out the budgets. I highly recommend you check out Profit First budgeting for businesses.…
PhysicsGal
Nerdy female homo sapien
physicsgal
2 mths ago
Small Business
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Re: Coming Soon: Pending Transactions
@Aquamarine Commander Yeah, me too! Thanks YNAB!
PhysicsGal
Nerdy female homo sapien
physicsgal
2 mths ago
1
Announcements
Reported - view
Re: How do you budget Fuel when you take a trip (Fuel Budget or Trip Budget category)
@VoltaicShock said: What if we could possibly put it into two categories but only count it once in terms of budgeting? Not sure how that would work? I don't see how this is possible,…
PhysicsGal
Nerdy female homo sapien
physicsgal
2 mths ago
Setting Up Your Budget
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Re: What are your current HSA plans?
I am also aware that it may be more ideal to wait to take the money out for medical expenses in retirement, but I have not been doing that either. I've been paying current bills with my HSA money,…
PhysicsGal
Nerdy female homo sapien
physicsgal
2 mths ago
2
Saving & Investing
Reported - view
Re: Pending transactions should not be included in running balance
@Superbone Actually, I'm finding the pending transactions much easier for Amazon purchases, since I used to enter them manually and then have to figure out what was split up into various charges,…
PhysicsGal
Nerdy female homo sapien
physicsgal
2 mths ago
1
Using YNAB
Reported - view
Re: Furnace fund v debt
@Ivory Storm Long time since I saw this thread. Since then I refinanced my house and paid off the last part of my HEL with the refinance, so now I'm debt free except my home and working on other…
PhysicsGal
Nerdy female homo sapien
physicsgal
2 mths ago
1
Saving & Investing
Reported - view
Re: When to Reconcile?
I reconcile once a week. When I do it that often it goes pretty quickly. If a wait a whole month, it often takes longer to track things down and can be a pain in the rear.
PhysicsGal
Nerdy female homo sapien
physicsgal
3 mths ago
Using YNAB
Reported - view
Re: 2020: The Official YNAB Savings Challenge
I haven't checked in since the summer! I "cheated" and wrapped my final debt into my refinance in July, so my savings got super charged. Saved $22k and was only planning to save $13.5k. Not bad.…
PhysicsGal
Nerdy female homo sapien
physicsgal
3 mths ago
3
Join A Challenge
Reported - view
Re: Using YNAB for personal and business expenses (as LLC Owner)
Hi, welcome to YNAB! I used to run an Airbnb short term rental room out of my house before Covid. I finally started keeping a separate budget and separate accounts for my business vs personal…
PhysicsGal
Nerdy female homo sapien
physicsgal
3 mths ago
1
Small Business
Reported - view
Re: Taking Steps for 2021
You can do it! Just always get back up again no matter what happens. Failing is a part of growing. By the way, if you want a really cool tool for meal planning, give plantoeat.com a try.…
PhysicsGal
Nerdy female homo sapien
physicsgal
3 mths ago
1
Dealing with Debt
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Re: Help with Making Investment Decisions.
If you don't have any other tax advantaged account options, you'll have to go with a taxable account. I'm not an expert, but for a taxable account I would definitely look into the issue of how to…
PhysicsGal
Nerdy female homo sapien
physicsgal
3 mths ago
1
Saving & Investing
Reported - view
Re: Where should I put funds for annual bills?
@Maroon Drum said: I don't feel comfortable leaving it in our checking, so I was wondering where to other put those funds so they don't get co-mingled (and possibly mis-spent) with the rest of our…
PhysicsGal
Nerdy female homo sapien
physicsgal
3 mths ago
5
Setting Up Your Budget
Reported - view
Re: Coming Soon: Pending Transactions
@Superbone True, that's annoying and definitely would give me FOMO if my accounts wouldn't connect (My one account that won't connect also feels FOMO). But they can still import files I think.…
PhysicsGal
Nerdy female homo sapien
physicsgal
4 mths ago
2
Announcements
Reported - view
Re: Coming Soon: Pending Transactions
@MXMOM Haven't all of us YNABers done that? Maybe other people are much more organized than I...I just put a ? in the memo field so I know it's questionable,…
PhysicsGal
Nerdy female homo sapien
physicsgal
4 mths ago
4
Announcements
Reported - view
Re: Struggling to get accurate balances which match the bank
Try reconciling more often. I reconcile every week and that helps keep my balance in line with my accounts, and make the process less work each time.
PhysicsGal
Nerdy female homo sapien
physicsgal
4 mths ago
2
Using YNAB
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.
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