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Re: Divorced & Moving On Towards Financial Independence @Sea Green Saxophone Sounds like you made it through the rough patch and are on the way to healing both personally and financially. Divorce is so gnarly.
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 5 hrs ago
- Money & Relationships
- Reported - view
Re: Divorced & Moving On Towards Financial Independence @Superbone It's already so much better! I can just be home and relax, this blanket of anxiety is gone from my life.
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 5 hrs ago
- 3
- Money & Relationships
- Reported - view
Re: Divorced & Moving On Towards Financial Independence @xgirlmama Yes, thanks, I'm back in my house and so glad to have it. Well, I don't know if your ex is a narcissist or bpd but he's certainly exhibiting some of the traits of one.…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 5 hrs ago
- Money & Relationships
- Reported - view
Re: Divorced & Moving On Towards Financial Independence Here I go. I won't go into the details of the relationship drama itself, just the stuff that affected my finances, but at the end of 2018, over Thanksgiving weekend,…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- yesterday
- 1
- Money & Relationships
- Reported - view
Re: Home Maintenance Budget @jenmas This seems like a strange metric because my home has gone up in value by a factor of 2 since I bought it but I don't think that would affect the maintenance costs except possibly affecting…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 2 days ago
- Saving
- Reported - view
Re: What did you do to improve your finances today? @Navy Blue Unicorn I like Mealime.
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 9 days ago
- YNAB Wins
- Reported - view
Re: What did you do to improve your finances today? @NewYNABer BostonGirl I have one I bought years ago and I keep lots of meat in it. It also makes it easy to still be able to put something together for food even if I am way behind on grocery…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 9 days ago
- YNAB Wins
- Reported - view
Re: Over-estimating Goals vs. Inflow Can you lower or remove any of the bills in immediate obligations? Cancel cable, get cheaper cell phone plans, call to negotiate a better deal on your internet bill, turn down your thermostat,…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 9 days ago
- 6
- Managing Debt
- Reported - view
Re: Thoughts On Budgeting Transportation? I would make it a taxi category. And if you also do taxi's to work, call that a separate category also, Taxi to Fun and Taxi to Work categories. You may want to know how much you spend on taxis a…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 9 days ago
- Method & Budgeting
- Reported - view
Re: Budget monthly instead of as you go I budget monthly but I also get paid monthly, so it's kind of like cheating. This also means I never get those extra paycheck months everyone on bimonthly loves so much.…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 9 days ago
- Method & Budgeting
- Reported - view
Re: 2020: The Official YNAB Savings Challenge @Veronica Summer is really busy for my location and winter is a lot less busy. If you do it, use Beyond Pricing to set your prices algorithmically. They use similar algorithms to those used by…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 11 days ago
- Community Challenges
- Reported - view
Re: Categories Groups - Frequency vs. Types Those kind of groups are my category groups. You don’t have any obligation to use the default groups.
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 13 days ago
- 1
- App Functions
- Reported - view
Re: Breaking the YNAB Addiction I’m a little obsessed as well. But parr of that is bc my budget was a bit too tight for comfort. I’m loosening things up and hoping it will help.
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 2 wk ago
- Community Challenges
- Reported - view
Re: Breaking the YNAB Addiction @Vibrant It’s so pretty isn't it?
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 2 wk ago
- 1
- Community Challenges
- Reported - view
Re: Does this category spark joy? @Faness although i like getting out of debt, my HEL category from my divorce doesn’t spark much joy for me either. I do like seeing the balance go down.…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 2 wk ago
- 1
- Tips & Tricks
- Reported - view
Re: Does this category spark joy? @Vibrant I really miss when Pandora was free even without commercials but those days were always going to be numbered. It’s nice not hearing the same annoying commercials over and over now!!!!
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 2 wk ago
- Tips & Tricks
- Reported - view
Re: Does this category spark joy? @B's Gambit ha ha ha! I’m gonna steal that ideal for my budget!
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 2 wk ago
- Tips & Tricks
- Reported - view
Re: 2020: The Official YNAB Savings Challenge @Veronica yes!!! It’s mostly really cool. Sometimes I just want my house to myself though, so honestly the break has been a nice thing for me for awhile,…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 2 wk ago
- 1
- Community Challenges
- Reported - view
Does this category spark joy?
Is anyone else on here a Mari Kondo fan? I do think it's possible to take her philosophy to an extreme (some practical things I need to keep even though they don't spark joy!),…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 2 wk ago
- 14 replies
- 112
- 2
- Tips & Tricks
Re: BI-MONTHLY PAY For now you just budget the money you have on hand. For the bi-monthly people, getting a month ahead (or even just two weeks ahead) is the key to being able to budget just once a month,…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 2 wk ago
- 1
- Method & Budgeting
- Reported - view
Re: 2020: The Official YNAB Savings Challenge Oh cool, I can do this and the debt smackdown this year, since I've decided to make my own baby steps and invest in my Roth and Efund now rather than wait until I'm debt free for that.…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 2 wk ago
- 4
- Community Challenges
- Reported - view
Re: The Official 2020 Debt Smackdown I have $11,221 left on a Home equity loan I got last year during a messy divorce, and that's my only debt other than my mortgage. I plan to pay off $7k of debt this year,…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 2 wk ago
- 4
- Community Challenges
- Reported - view
Re: Creating separate budgets for personal and business I use YNAB for my Airbnb side business and have started to separate my personal and business accounts, which makes things so much easier. Everywhere I look they say to keep your business and…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 2 wk ago
- 1
- Small Business
- Reported - view
Re: How to keep things as simple as possible? @Vibrant Yeah, manually entering transactions is key and totally necessary for me to stay on top of my category balances, but my budget is really tight because I'm killing debt right now.
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 2 wk ago
- 1
- Getting Started
- Reported - view
Re: YNAB and the insidiousness of North American car culture When my car died back in August I thought about going car free for awhile while I finish getting out of debt, since I bike or bus to work anyways, and I live two blocks from the grocery store.…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 2 wk ago
- Tips & Tricks
- Reported - view

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PhysicsGal

physicsgal

Nerdy female homo sapien

Colorado

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