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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
- 13 days 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
- 2 wk ago
- 5
- Setting Up Your Budget
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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
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- physicsgal
- 2 wk 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
- 2 wk 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
- 2 wk ago
- 2
- Using YNAB
- Reported - view
Re: Giving during COVID: What organizations do you support? One group I was donating to told me that monthly donations are better than a one time large donation because they can use them as proof of income for security a loan if needed.
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 3 wk ago
- 1
- Fun Money
- Reported - view
Fidelity 2% cash back credit card-does it connect to YNAB without any issues?
I use cash back credit cards for all my spending now, the YNAB way of course. (Don't tell Dave Ramsey, he'd yell at me...) No CC float for me! Anyways,…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 3 wk ago
- 12
- Credit Cards & Debt
Re: Coming Soon: Pending Transactions I finally opened this topic up and read what people are saying about it. I've been seeing pending transactions but I haven't been using them really, just noticing them in there and waiting till they…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 3 wk ago
- 1
- Announcements
- Reported - view
Re: Rent or buy a home? I was gonna link the NYTimes rent vs buy calculator, but I just noticed someone already did. That's helpful There are a lot of non-math factors as well. I like the security of home ownership.…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 3 wk ago
- 1
- Dealing with Debt
- Reported - view
Re: Delete and combine categories creates big problems @Beige Koala Agreed, but yeah. I've heard it can cause all sorts of issues. I have a bunch of old categories hidden in my budget bc of this. I just noticed how old this thread is.…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 3 wk ago
- Using YNAB
- Reported - view
Re: Still so confused about credit cards @Orange Snow It will ask you to approve the match after it matches them. I recommend entering your transactions as you spend and using the syncing feature to make double check your work,…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 3 wk ago
- 4
- Credit Cards & Debt
- Reported - view
Re: Spent over 6 hours setting up my YNAB :) I AM ONE HAPPY CAMPER! Just wait, it only gets better the longer you use it. I started last summer and now I feel so much less stressed about money. Happy budgeting!
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 3 wk ago
- 1
- YNAB Wins
- Reported - view
Re: Ynab uses IRA balance, in TRACKING ACCOUNTS, in budget I would contact tech support, as they can log in to see your actual account and give you specific help. Tracking accounts are supposed to be off budget, so I'm not sure what is going on there.
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 4 wk ago
- 1
- Using YNAB
- Reported - view
Re: HELP! Avoid Debt or Build True Expenses @lindsfin Yay, such good news! Now hopefully you can get a break to start filling in those True Expenses. I was doing DR's baby steps for 2019 and I was pretty skimpy on my True expenses back then,…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 4 wk ago
- 3
- Credit Cards & Debt
- Reported - view
Re: HELP! Avoid Debt or Build True Expenses @lindsfin said: I also have a hard time when overspending occurs that I want to restart the entire budget instead of seeing that negative category stare at me.…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 4 wk ago
- 5
- Credit Cards & Debt
- Reported - view
Re: Any thoughts would be appreciated To me YNAB is well worth the money, as it's got the highest ROI of anything I have spent money on in my life. I do find myself slightly annoyed at having to pay annually instead of once and then…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 4 wk ago
- 2
- Setting Up Your Budget
- Reported - view
Re: Emergency Savings or "Safety Net" at Betterment @Superbone @HappyDance I was the same way, I kept putting money into my retirement accounts instead of keeping anything in liquid savings, because I ended up spending anything I kept because I…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 1 mth ago
- 2
- Saving & Investing
- Reported - view
Re: Change of Environment I second Dave Ramsey. Money Girl from quick and dirty tips is another good financial podcast. Of course the YNAB YT channel/podcast are also wonderful.…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 1 mth ago
- 4
- Tips & Tricks
- Reported - view
Re: Retirement Account Budgets @HappyDance You are ambitious! I had a bunch of net worth data over a long time in Mint, and technically I downloaded the data before deleting my account,…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 1 mth ago
- 2
- Using YNAB
- Reported - view
Re: Retirement Account Budgets You could probably set up a separate "budget" with only your retirement tracking accounts and use it as basically an excel spreadsheet with pre-programmed graphs to track your total balances,…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 1 mth ago
- 1
- Using YNAB
- Reported - view
Re: Advice on how deal with debit collecters Dave Ramsey has great tips for dealing with debt collectors, BTW. Always get them to give you their statement that the debt will be paid in full when you pay a final settlement in writing before you…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 1 mth ago
- 1
- Credit Cards & Debt
- Reported - view
Re: HOW do you get a month ahead? What am I missing? @Gray Clarinet I think the main benefit from getting a month ahead, other than the psychological goal of having that financial cushion, is that it simplifies budgeting for those paid every week or…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 1 mth ago
- Tips & Tricks
- Reported - view
Re: My checking account is positive! And I have $120 in savings. I started an ira & 401k. High five!
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 1 mth ago
- YNAB Wins
- Reported - view
Re: Software as a Service / Starting to seem like a scam @KnitPurlKnit said: Regardless of the issues I've encountered, I'm pretty sure I'm here to stay, as the positives outweigh the negatives for me....by quite a bit.…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 1 mth ago
- 6
- Using YNAB
- Reported - view
Re: What to do when you realize your Ture Expenses & Goals exceed your Income @Superbone Ha, I didn't see your comment but mine below is pretty much the same.
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 1 mth ago
- 1
- Setting Up Your Budget
- 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.