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Re: Healthy Budget Breakdown for Any Salary? I started budgeting by %-age earlier this year, and I split them out by categories. Here's my journal on it.…
- PhysicsGal
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- physicsgal
- yesterday
- Tips & Tricks
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Re: Thinking of getting ynab @BNL said: I do like the ability to reconcile accounts, which of course every dollar doesn't have. And I do feel like YNAB offers me much more detail and flexibility than ED did.…
- PhysicsGal
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- physicsgal
- 2 days ago
- Getting Started
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Re: Thinking of getting ynab @Happygirl If you owned YNAB3 or YNAB4 you are entitled to a discount on your YNAB subscription. You can look up your order number here. You can also just download and use the older version,…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 2 days ago
- Getting Started
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Re: multiple bank accounts?? @WordTenor said: There might be a case there for protecting your debit card from online shenanigans, but if you’re using YNAB, there’s not much reason to not have a good rewards card.…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 3 days ago
- 3
- Tips & Tricks
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Re: Online Bill Pay @Bruce That reminds me, I still haven't actually implemented this bill pay thing for all of my bills that aren't coming from CC. Gotta get on that. You are most welcome.
- PhysicsGal
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- physicsgal
- 6 days ago
- App Functions
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Re: Accounting for mortgages @Faness Hmm, I've never considered tracking P+I and escrow expenses separately, but maybe it would inspire me to want to pay off my loan sooner? Something to consider.…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 6 days ago
- 1
- Method & Budgeting
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Re: $150,000 in open credit lines + great credit Dave Ramsey went bankrupt doing this at a larger scale. It's very risky. Not recommended.
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 6 days ago
- 1
- Investing & Retirement
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Re: 5/1 ARM: Is now a good time to refinance? Just pay it off. Your balance is so low, and that right right now isn't bad.
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 13 days ago
- Debt
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Re: Who has goals for everything? If you're new to YNAB this can be an issue because you don't have many categories with money to cover overspending. Once you build up more you won't have this issue so bad.…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 13 days ago
- 2
- Method & Budgeting
- Reported - view
Re: Shifting Debt to Mortgage - Advice I've been doing the debt snowball since May 2019 to pay off $28k and was down to $9k left on a HEL. I was planning to keep trying to pay it off, after building up a larger emergency fund during…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 13 days ago
- Debt
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Re: Where do you list your Clothing category? I started moving all my personal expenses into one category to simplify things. I'm not a big clothing spender...once I realized I can get a bunch of really nice clothes for <$100 on 50% off day at…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 13 days ago
- Method & Budgeting
- Reported - view
Re: Anxiety be gone Isn't it great!?! The longer you use YNAB consistently, the more positive feedback like this you'll receive. Car broke down? Well, at least you have the money to pay for the repair,…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 13 days ago
- YNAB Wins
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Re: Banks or Credit Unions with best rates and Closing costs for refinance right now? I am trying to start practicing piano again, so the music talk is a great reminder. I really want to get better but, despite more time at home than ever before, I have not been practicing regularly.…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 2 wk ago
- 2
- Debt
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Re: Feature Request: Multiple Target Date Balance Goals Per Category @Nicole This would be an awesome feature!!!! Crossing my fingers...
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 2 wk ago
- 1
- Method & Budgeting
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Re: Banks or Credit Unions with best rates and Closing costs for refinance right now? @nolesrule And still so good!!!!
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 2 wk ago
- 1
- Debt
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Re: Banks or Credit Unions with best rates and Closing costs for refinance right now? @nolesrule said: I'd rather have a fire pit than FIRE. Ha ha ha, I loved this pun, but I'm a pun fanatic.
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 2 wk ago
- 2
- Debt
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Re: Banks or Credit Unions with best rates and Closing costs for refinance right now? Thanks! I found a local credit union with much lower closing costs AND a lower rate of 3%, for the 30 year fixed.
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 2 wk ago
- 5
- Debt
- Reported - view
Re: Banks or Credit Unions with best rates and Closing costs for refinance right now? @nolesrule Thanks! I found a 30 year fixed where the interest rate is what I have now, 3.125%, with Better.com , although I will have to pay significant closing costs of almost $7k, yikes.…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 3 wk ago
- Debt
- Reported - view
Re: Financial Wellness by YNAB Wow, I would like my university to start educating their employees and students in financial wellness. I don't want to discuss it on here, but is the best way to just forward the link to my HR…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 3 wk ago
- Small Business
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Banks or Credit Unions with best rates and Closing costs for refinance right now?
I refinanced into a 15 year fixed 3.125% mortgage in December, thinking interest rates that low were historical. Well, they were a part of the history of the declining interest rates that were to…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 3 wk ago
- 32 replies
- 181
- Debt
Re: Feature Request: Multiple Target Date Balance Goals Per Category I want this feature too!!!!!!
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 3 wk ago
- 1
- Method & Budgeting
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Re: Forced update of tracking accounts They don't update automatically in my experience, at least, they don't have the correct balance because the interest isn't automatically included and my investment gains/losses aren't automatically…
- PhysicsGal
- Nerdy female homo sapien
- physicsgal
- 1 mth ago
- Accounts & Transactions
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Re: Savings account vs Investment Money Market Fund - How much where? I only use FDIC savings for liquid savings, and Vanguard VTI ETF for investing. I guess I still find MMF's sketchy after hearing some of them had issues keeping the value of the dollar back in 2008.…
- PhysicsGal
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- physicsgal
- 1 mth ago
- Saving
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Re: Furnace fund v debt @HappyDance It's similar to healthy lifestyle changes, what works for you that you can stick with is the best plan. A better plan on paper that you won't stick with isn't better.
- PhysicsGal
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- physicsgal
- 1 mth ago
- 3
- Saving
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Re: Furnace fund v debt @Violet Router You can do it, just keep YNABing and don't lose hope. Every month YNABing gets you closer.
- PhysicsGal
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- physicsgal
- 1 mth ago
- 1
- Saving
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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.