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Re: Budgeting for future transactions @jenmas Upon further thought, this may be very easy for you since you're probably already in the steady-state phase. The graph will immediately show you the floor,…
- dakinemaui
- dakinemaui
- 2 yrs ago
- Setting Up Your Budget
- Reported - view
Re: Budgeting for future transactions @jenmas You might start with http://forecast.calcitout.com/ . You'll have to sign up (free) if you want more than about 4 rows (I think). If you hit "Update" and the graph doesn't change,…
- dakinemaui
- dakinemaui
- 2 yrs ago
- Setting Up Your Budget
- Reported - view
Re: Budgeting for future transactions Here are the projections for the category group Available over time. Hopefully now you can see there is indeed a fair chunk of change being tied up unnecessarily with the multi-category approach.
- dakinemaui
- dakinemaui
- 2 yrs ago
- Setting Up Your Budget
- Reported - view
Re: Budgeting for future transactions Actually, I just realize that being "smooth" as possible isn't as good as it could be. The following schedule would be even better. The multi-category approach ties up 52% more money (forever) for…
- dakinemaui
- dakinemaui
- 2 yrs ago
- 1
- Setting Up Your Budget
- Reported - view
Re: Budgeting for future transactions @mamster We are definitely talking about the same thing: multiple, irregular outflows throughout the year. What do you budget so money is available when each expense occurs?…
- dakinemaui
- dakinemaui
- 2 yrs ago
- 1
- Setting Up Your Budget
- Reported - view
Re: Should I income the money received from a car loan? @bret I know this is an old thread, but this approach distorts the timeline. The fact is you bought the car all at once, and paid debt back over time. My advice to others is to not get hung up on…
- dakinemaui
- dakinemaui
- 2 yrs ago
- 1
- Credit Cards & Debt
- Reported - view
Re: Using my credit card to pay something for friends who pay me back in cash Whether you straddled the month boundary or not doesn't change the fact that you still want the net activity in that category to be $0. Therefore, always use the same category.…
- dakinemaui
- dakinemaui
- 2 yrs ago
- Credit Cards & Debt
- Reported - view
Re: Budgeting for future transactions @mamster Think about it... When you have 10 categories all coming due at different times, there will always be money in at least 9 of them. If it's a single category,…
- dakinemaui
- dakinemaui
- 2 yrs ago
- 1
- Setting Up Your Budget
- Reported - view
Re: Dealing with cash awards FYI, you can redeem the costco reward for a check at the store. Deposit it in your checking account and budget it as you see fit. Personally, I use an on-budget gift card account as @HappyDance and…
- dakinemaui
- dakinemaui
- 2 yrs ago
- Setting Up Your Budget
- Reported - view
Re: How to have funds automatically distributed into my Food category from each paycheck? You just have to make sure the errors offset. To implement a "pacing" system for Eating Out, say, on a twice a month basis, you would need a temporary holding category,…
- dakinemaui
- dakinemaui
- 2 yrs ago
- Setting Up Your Budget
- Reported - view
Re: Budgeting for future transactions @Powder Blue Octopus Either be verbose or do the math elsewhere. Pick your poison. You might suggest to YNAB that they code up a smarter goal that understands multiple outflows throughout the year.…
- dakinemaui
- dakinemaui
- 2 yrs ago
- 5
- Setting Up Your Budget
- Reported - view
Re: Fund Emergency Savings or Pay off Debt? Second the opinion of throwing emergency fund money toward high-interest CC debt. (There's not too many emergencies you can't handle by swiping your card if it came to that.…
- dakinemaui
- dakinemaui
- 2 yrs ago
- 2
- Credit Cards & Debt
- Reported - view
Re: Emergency Fund Dollars On a different note, one could reason some of your debt exists because you chose to keep $522 in the bank instead of sending it to the CC company. There's not too many emergencies I can't handle…
- dakinemaui
- dakinemaui
- 2 yrs ago
- Setting Up Your Budget
- Reported - view
Re: What to do if to be budgeted is smaller then bill Always ask yourself, "where do I need this money?" and put it in that category. Every single dollar. Then don't forget that sometimes you need to partially fund a category so your next paycheck…
- dakinemaui
- dakinemaui
- 2 yrs ago
- Setting Up Your Budget
- Reported - view
Re: Budget Using Only One Month's Income Another vote for Income For Next Month. Note this is NOT incompatible with budgeting toward the future as far as you wish. It simply sets the start of where those funds can be budgeted.
- dakinemaui
- dakinemaui
- 2 yrs ago
- 8
- Setting Up Your Budget
- Reported - view
Re: New Credit Card handling a major philosophical change? If you ever need to carry a balance on a card, you can simply make a "balance transfer" to a real CC account (and then back once you've restored PIF status).…
- dakinemaui
- dakinemaui
- 2 yrs ago
- 2
- Credit Cards & Debt
- Reported - view
Re: I use credit cards for everything. Is that going to be a huge problem? Since you expect to pay these cards off each month, make sure the CC Payment category matches the account balance. People often forget to reserve money (i.e.…
- dakinemaui
- dakinemaui
- 2 yrs ago
- Credit Cards & Debt
- Reported - view
Re: I use credit cards for everything. Is that going to be a huge problem? Are these CCs part of the same real-world account? That's the only reason you might have an issue. (I have two cards with different numbers, but they are "integrated" in the CC's system and thus…
- dakinemaui
- dakinemaui
- 2 yrs ago
- Credit Cards & Debt
- Reported - view
Re: Convert Credit Card account into checking account Since this thread has been resurrected, do note that moving all CC transactions to a new checking account will cause changes throughout the budget when any credit-based overspending is present.…
- dakinemaui
- dakinemaui
- 2 yrs ago
- 4
- Credit Cards & Debt
- Reported - view
Re: Having trouble with timing expenses Wanting to budget future expenses is not outside the scope of YNAB, which is why they provide the feature of "Budgeting Templates". The point of a Budget Templates is merely to help remember values…
- dakinemaui
- dakinemaui
- 2 yrs ago
- 2
- Using YNAB
- Reported - view
Re: Minimum amount to start @johnboy said: To know whether I am on track to afford my expenses. I've found the best way is to break everything down by paycheck. It is then very obvious which expenses you can and cannot afford.…
- dakinemaui
- dakinemaui
- 2 yrs ago
- Setting Up Your Budget
- Reported - view
Re: Carrying a negative balance Why not move money from savings to cover the large semi-annual payment and then pay back the savings category over the rest of the year? One could make the case that you shouldn't have put that…
- dakinemaui
- dakinemaui
- 2 yrs ago
- 2
- Using YNAB
- Reported - view
Re: Reconciliation to date on statement - not possible? @WordTenor gave an answer above, but many seem to have missed it. Since this issue keeps coming up, you can reconcile to a given date with the following:…
- dakinemaui
- dakinemaui
- 2 yrs ago
- 5
- Using YNAB
- Reported - view
Re: Splitting Transaction @Philip makes a good point about the proliferation of LOC/Reimbursable accounts. Instead, I use a single account and put the person's name in the memo.…
- dakinemaui
- dakinemaui
- 2 yrs ago
- 1
- Money & Relationships
- Reported - view
Re: How am I over-budgeted for Aug...if I've budgeted $0 in Aug? >Plus, I have extra money in July, that I really don't have according to my true bank account balances... If your YNAB accounts (cleared balance) doesn't agree with your true bank balances,…
- dakinemaui
- dakinemaui
- 2 yrs ago
- 1
- Setting Up Your Budget
- Reported - view

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