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Re: Maybe a dumb question, but how do I budget for mortgage? I get paid my full month of salary at the end of the month, so I don't have that problem. But it sounds like you could really benefit from saving up a traditional YNAB buffer.…
- PhysicsGal
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- physicsgal
- 5 days ago
- Tips & Tricks
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Re: 15 vs 30 year fixed and how much down payment!?! @Scott said: Were you able to pay off your PMI early? How does that work? About a year after I bought the house the value went up enough that I was already at 80% loan to value.…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 3 wk ago
- 2
- Investing & Retirement
- Reported - view
Re: 15 vs 30 year fixed and how much down payment!?! I have had both 30 year fixed mortgages and 15 year fixed mortgages, with my latest refinance being into a 30 year fixed at 3%, after having just refinanced from a 30 year fixed at 4% to a 15 year…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 3 wk ago
- 2
- Investing & Retirement
- Reported - view
Re: YNAB doesn't carry forward negative balances and this screws up everything @Matthew I use Splitwise also and am interested in this feature!
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 3 wk ago
- App Functions
- Reported - view
Re: YNAB doesn't carry forward negative balances and this screws up everything @WordTenor I finally opened this thread up and wow, it's a doozie! But I learned a new trick for reimbursements, a reimbursement account, so yeah, these forums are so helpful for my YNAB,…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 3 wk ago
- App Functions
- Reported - view
Re: YNAB doesn't carry forward negative balances and this screws up everything @Annieland I finally decided to check out this never-ending thread and I learned about this trick of using a reimbursement account that I'm going to start using, so thanks for sharing!…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 3 wk ago
- App Functions
- Reported - view
Re: Goals & Rollover Money @Orchid Mainframe I had the same question/confusion not that long ago, because I get paid the last day of the month so I was budgeting then, but now I just clear out any categories I want to before…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 3 wk ago
- App Functions
- Reported - view
Re: Category Names @Gold Robot Thanks Mr. Robot! I appreciate it. Yeah, I read a few of my responses again when you linked to that thread and it's uncanny how similar our arguments are.…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 3 wk ago
- 5
- Tips & Tricks
- Reported - view
Re: Category Names @Move Light Sound Life Maybe ironic is the word you were thinking of? My friend used to say that the universe maximizes irony. He may be right. I don't think I have the fortitude to continue through…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 3 wk ago
- 1
- Tips & Tricks
- Reported - view
Re: Category Names @Gold Robot I keep as much money as I can get away with in my HYSA, so that's not a drawback of the method I was attempting to describe. I just have no correlation between what is in savings and the…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 4 wk ago
- 1
- Tips & Tricks
- Reported - view
Re: Quarantine Cooking @Faness Thanks! I'm all like, I gotta invent that time machine I always wanted to invent so we can just go to 2021 already...it can't be worse...famous last words...
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 4 wk ago
- Fun Money
- Reported - view
Re: Quarantine Cooking @Yes I can THANKS!!!!!! I'll give it a try.
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 4 wk ago
- Fun Money
- Reported - view
Re: Category Names @Violet Rain Ha, I call my E-fund "Murphy Repellant" with one of those flashing lights and SOS emojis.
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 4 wk ago
- 2
- Tips & Tricks
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Re: Category Names @Gold Robot I used to have my savings accounts set up like you, but once I stopped doing that (after being convinced, kicking and screaming, on here to give it a try) I now find my budget so much…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 4 wk ago
- 1
- Tips & Tricks
- Reported - view
Re: Quarantine Cooking I just started using the meal planning app I used to use a couple of years ago, called Mealime, because I was getting kind of sick of my own cooking, which is good but I get kinda repetitive if I…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 4 wk ago
- Fun Money
- Reported - view
Re: Quarantine Cooking @Matthew I think if you're baking your own bread it already counts as fancy. I am a bit jealous because I've been hearing all about people taking their own bread,…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 4 wk ago
- 2
- Fun Money
- Reported - view
Re: Need advice with financial planning. Sounds like you are getting some great advice. By the way, the Bogleheads forum is also a great place for investing advice, so be sure to check it out.
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 4 wk ago
- Investing & Retirement
- Reported - view
Re: Tracking savings and savings rate? @Superbone I think it's just a matter of different priorities. You do you, if the assumptions behind that calculation aren't accurate to your desired retirement,…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 1 mth ago
- Accounts & Transactions
- Reported - view
Re: Tracking savings and savings rate? @dakinemaui That's fine, everyone is different, it's all about priorities, so don't use that graph if that's not your goal. Personally, I'm not really a FIRE person in any sort of hard core way,…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 1 mth ago
- 1
- Accounts & Transactions
- Reported - view
Re: Never Overdrafted Again AYNAB YNAB is a lifechanger. I feel so much less money stress now.
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 1 mth ago
- 1
- YNAB Wins
- Reported - view
Re: Tracking savings and savings rate? @Habanero Salsa said: to be able to retire under some set of desired circumstances This statement is the crux of the disagreement. I think you are just making different assumptions.…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 1 mth ago
- Accounts & Transactions
- Reported - view
Re: Home improvement, equity, refinancing?? Before you even think of getting an appraisal, have the real estate agent who helped you buy the house do a comparative analysis to get a better estimate of the value than Zillow.…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 1 mth ago
- Investing & Retirement
- Reported - view
Re: Automated Finances @The Artist Formerly Known As We are opposites! My main financial mistake in the last ~10 years was not budgeting my take home pay (thus falling into credit card float-ville and stress when car…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 1 mth ago
- 1
- Method & Budgeting
- Reported - view
Re: Learning How To Budget YNAB is a game changer on money stress. I feel so much more relaxed about money now. Just be patient and work on developing the habits necessary to stick with it over the long term.…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 1 mth ago
- YNAB Wins
- Reported - view
Re: Budgeted the entire month...before it even started! Wow, was that when it was still a spreadsheet for sale? I wonder if you guys have been using it the longest of anyone on this board? Congratulations on your accomplishment and progress.…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 1 mth ago
- YNAB Wins
- 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.