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Re: 2021: The Official YNAB Savings Challenge @Zoë August check in: Holiday (Sept 21): €580 / €750: August €160 Study Renovation (Oct 21): €1,550 / €1,750: August €0 Emergency Fund: €0 / €1,000 Total: €2,130 / €3,…
- Zoë
- take care of the pennies...
- Zoeah
- 3 days ago
- Join A Challenge
- Reported - view
Re: The Official 2021 Debt Smackdown @Zoë August Update: Balances (1st Jan -> 30th August): Credit Card remains PIF Overdraft: €800 -> €250: August -€150 Bank Loan - to be PIF in 2021: €4,593.20 -> €1,675.59: August €441.…
- Zoë
- take care of the pennies...
- Zoeah
- 3 days ago
- 3
- Join A Challenge
- Reported - view
Re: 2021: The Official YNAB Savings Challenge @Zoë July check in: Holiday (Sept 21): €420 / €750: June €160 Study Renovation (Oct 21): €1,550 / €1,750: June €450 Emergency Fund: €0 / €1,000 Total: €1,970 / €3,…
- Zoë
- take care of the pennies...
- Zoeah
- 1 mth ago
- Join A Challenge
- Reported - view
Re: The Official 2021 Debt Smackdown @Zoë July Update: Balances (1st Jan -> 31st July): Credit Card remains PIF Overdraft: €800 -> €150: July €0 Bank Loan - to be PIF in 2021: €4,593.20 -> €2,117.46: July €441.…
- Zoë
- take care of the pennies...
- Zoeah
- 1 mth ago
- 5
- Join A Challenge
- Reported - view
Re: 2021: The Official YNAB Savings Challenge @Zoë June check in: Holiday (Sept 21): €260 / €750: June €160 Study Renovation (Oct 21): €1,100 / €1,750: June €525 Emergency Fund: €0 / €1,000 Total: €1,360 / €3,…
- Zoë
- take care of the pennies...
- Zoeah
- 2 mths ago
- Join A Challenge
- Reported - view
Re: The Official 2021 Debt Smackdown @Zoë June Update: Balances (1st Jan -> 30th June): Credit Card remains PIF Overdraft: €800 -> €150: June €0 Bank Loan - to be PIF in 2021: €4,593.20 -> €2,559.33: June €441.87 (+Int €77.…
- Zoë
- take care of the pennies...
- Zoeah
- 2 mths ago
- 2
- Join A Challenge
- Reported - view
Re: 2021: The Official YNAB Savings Challenge @Zoë May check in: Holiday (Sept 21): €100 / €750: May €100 Study Renovation (Oct 21): €575 / €2,000 Emergency Fund: €0 / €1,000 Total: €675 / €3,750 -> 18% Slightly concerned I may have…
- Zoë
- take care of the pennies...
- Zoeah
- 3 mths ago
- Join A Challenge
- Reported - view
Re: The Official 2021 Debt Smackdown @Zoë May Update: Balances (1st Jan -> 30th April): Credit Card remains PIF Overdraft: €800 -> €150: May €100 Bank Loan - to be PIF in 2021: €4,593.20 -> €2,923.64: May €441.…
- Zoë
- take care of the pennies...
- Zoeah
- 3 mths ago
- 4
- Join A Challenge
- Reported - view
Re: 2021: The Official YNAB Savings Challenge Hi! I was going to wait until next year to join the savings challenge as my focus this year is still debt payoff, but after recently deciding that I would (hopefully!…
- Zoë
- take care of the pennies...
- Zoeah
- 4 mths ago
- 2
- Join A Challenge
- Reported - view
Re: The Official 2021 Debt Smackdown @Zoë April Update: Balances (1st Jan -> 30th April): Credit Card remains PIF Overdraft: €800 -> €250: Apr €0 Bank Loan - to be PIF in 2021: €4,593.20 -> €3,365.51: Apr €441.…
- Zoë
- take care of the pennies...
- Zoeah
- 4 mths ago
- 4
- Join A Challenge
- Reported - view
Re: The Official 2021 Debt Smackdown @Violet Yeti Thanks! This year I made a change when allocating my income - I fill in what I need/want to put to debt first - minimums and any snowball/extra payments.…
- Zoë
- take care of the pennies...
- Zoeah
- 5 mths ago
- 5
- Join A Challenge
- Reported - view
Re: The Official 2021 Debt Smackdown @Zoë March Update: Balances (1st Jan -> 31st March): Credit Card remains PIF Overdraft: €800 -> €250: Mar €250 Bank Loan - to be PIF in 2021: €4,593.20 -> €3,807.38: Mar €441.87 (+ Int €58.…
- Zoë
- take care of the pennies...
- Zoeah
- 5 mths ago
- 4
- Join A Challenge
- Reported - view
Re: The Official 2021 Debt Smackdown @Zoë February Update: Balances (1st Jan -> 28th February): Credit Card remains PIF Overdraft: €800 -> €500: Feb €250 Bank Loan - to be PIF in 2021: €4,593.20 -> €4,190.35: Feb €441.…
- Zoë
- take care of the pennies...
- Zoeah
- 6 mths ago
- 3
- Join A Challenge
- Reported - view
Re: The 34 Day Reset!! @Faness this is a nice idea but I'm not sure how it works? Do you budget to the "visitors/guests and special occasions groceries" category & then WAM from it to cover your regular groceries category…
- Zoë
- take care of the pennies...
- Zoeah
- 7 mths ago
- 2
- Join A Challenge
- Reported - view
Re: The Official 2021 Debt Smackdown @Zoë January Update: Balances (1st Jan -> 31st January): 2 Credit Cards remain PIF Overdraft: €800 -> €750: Jan €50 Bank Loan - to be PIF in 2021: €4,593.20 -> €4,632.22: Jan €0 (+ Interest €39.…
- Zoë
- take care of the pennies...
- Zoeah
- 7 mths ago
- 5
- Join A Challenge
- Reported - view
Re: The Official 2020 Debt Smackdown @farfromtheusual Thanks! It's amazing how much difference just having awareness of your money situation makes.
- Zoë
- take care of the pennies...
- Zoeah
- 8 mths ago
- 1
- Join A Challenge
- Reported - view
Re: The Official 2021 Debt Smackdown Hi, I've claimed line 95 and my goal of €17,843.16: Overdraft: balance €800 - PIF in 2021 Bank Loan: balance €4,593.20 -> goal of €4,900 including estimated interest (I'll update the goal when I…
- Zoë
- take care of the pennies...
- Zoeah
- 8 mths ago
- 4
- Join A Challenge
- Reported - view
Re: The Official 2020 Debt Smackdown @Zoë December Update: Balances (1st Jan -> 31st December): 2 Credit Cards remain PIF Overdraft: €1,000 -> €800: Dec €0 Bank Loan - to be PIF in 2021: €7,184.85 -> €4,593.20: Dec €260.…
- Zoë
- take care of the pennies...
- Zoeah
- 8 mths ago
- 2
- Join A Challenge
- Reported - view
Re: The Official 2020 Debt Smackdown @Zoe November Update: Balances (1st Jan -> 30th November): 2 Credit Cards remain PIF Overdraft: €1,000 -> €800: Nov €0 Bank Loan - to be PIF in 2021: €7,184.85 -> €4,742.98: Nov €260.…
- Zoë
- take care of the pennies...
- Zoeah
- 9 mths ago
- 3
- Join A Challenge
- Reported - view
Re: The Official 2020 Debt Smackdown @Zoe October Update: Balances (1st Jan -> 31st October): 2 Credit Cards remain PIF Overdraft - to be PIF in 2020: €1,000 -> €800: Oct €0 Bank Loan - to be PIF in 2021: €7,184.85 -> €5,003.…
- Zoë
- take care of the pennies...
- Zoeah
- 10 mths ago
- 4
- Join A Challenge
- Reported - view
Re: The Official 2020 Debt Smackdown @Zoe September Update: Balances (1st Jan -> 30th September): 2 Credit Cards remain PIF Overdraft - to be PIF in 2020: €1,000 -> €800: Sept €200 Bank Loan - to be PIF in 2021: €7,184.…
- Zoë
- take care of the pennies...
- Zoeah
- 11 mths ago
- 4
- Join A Challenge
- Reported - view
Re: The Official 2020 Debt Smackdown A very late update for July and August: Balances (1st Jan -> 31st Aug): Credit Card - to be PIF in 2020: €1,600 -> €0: July €219.60, Aug €200 Overdraft - to be PIF in 2020: €1,000 -> €1,000:…
- Zoë
- take care of the pennies...
- Zoeah
- 1 yr ago
- 2
- Join A Challenge
- Reported - view
Re: The Official 2020 Debt Smackdown @farfromtheusual Thanks for that tip. I've only been using YNAB since last October and the last 3 months of 2019 had a lot of upheaval as I was buying and renovating my first apartment and living…
- Zoë
- take care of the pennies...
- Zoeah
- 1 yr ago
- 2
- Join A Challenge
- Reported - view
Re: The Official 2020 Debt Smackdown @Zoe June Update: Balances (1st Jan -> 30th Jun): Credit Card - to be PIF in 2020: €1,600 -> €419.60 Overdraft - to be PIF in 2020: €1,000 -> €1,000 Bank Loan - to be PIF in 2021: €7,184.…
- Zoë
- take care of the pennies...
- Zoeah
- 1 yr ago
- 2
- Join A Challenge
- Reported - view
Re: The Official 2020 Debt Smackdown @Zoe May Update Credit Card: €300.00 PIF!!! (€1,600 paid in 2020) Overdraft: €0 Bank Loan: €260.33 Private Loan: €500.00 Mortgage: €511.93 TOTAL: €1,572.…
- Zoë
- take care of the pennies...
- Zoeah
- 1 yr ago
- 1
- Join A Challenge
- Reported - view

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Started YNAB 31/10/19 and wish I'd found it 10 years earlier!