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Re: Ratio of Retirement vs. Non-Retirement Investing? @nolesrule I never dumped, I’m holding forever, that’s why I need to figure out how to vote. I think their new CEO has a chance to turn things around. I’m never selling.…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 4 days ago
- Saving & Investing
- Reported - view
Re: Ratio of Retirement vs. Non-Retirement Investing? Ha, nice to read all the old gang's posts. I'm hardly on here anymore, which just means I'm doing fine and my finances are boring, which is a good thing IMO.…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 5 days ago
- 2
- Saving & Investing
- Reported - view
Re: Living Within Your Means YNAB Style @nolesrule Wow, it's insane how every time I visit the YNAB forums, even now when I hardly ever come on here, I learn something new and useful! Thanks for sharing this idea about having my credit…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 9 days ago
- 2
- Using YNAB
- Reported - view
Re: We need a bookkeeper - Where and how do we find one we trust? If you are the author Jordan Peterson, I'd totally love to help you with your YNAB books :) Of course I'm pretty busy with my full time science job, so I probably shouldn't,…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 9 days ago
- 2
- Money & Relationships
- Reported - view
Re: Living Within Your Means YNAB Style @Powder Blue Pony I second this. I have goals on everything but my wish farm and I had to work a little to make everything balance out (lower the goals on some of my wants to make sure my needs are…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 9 days ago
- 1
- Using YNAB
- Reported - view
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.…
Attachment
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 3 mths ago
- 2
- Setting Up Your Budget
- Reported - view
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
- 3 mths 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
- 3 mths 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
- 3 mths 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
- 4 mths ago
- Saving & Investing
- Reported - view
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
- 4 mths 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
- 4 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
- 4 mths ago
- Tips & Tricks
- Reported - view
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
- 4 mths ago
- Tips & Tricks
- Reported - view
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
- 4 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
- 4 mths ago
- Small Business
- Reported - view
Re: Coming Soon: Pending Transactions @Aquamarine Commander Yeah, me too! Thanks YNAB!
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 5 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
- 5 mths ago
- Setting Up Your Budget
- Reported - view
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
- 5 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
- 5 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
- 5 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
- 5 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
- 5 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
- 5 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
- 5 mths ago
- 1
- Dealing with Debt
- Reported - view

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PhysicsGal

physicsgal

Nerdy female homo sapien

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