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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
- 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
- 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
- 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
- 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
- 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
- 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
- Reported - view
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
- 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
- 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
- Reported - view
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.