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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
- 2 wk 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
- 2 wk 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
- 1 mth 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
- 1 mth 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
- 2 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
- 2 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
- 3 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
- 4 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
- 4 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
- 5 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
- 5 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
- 5 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
- 6 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
- 7 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
- 8 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
- 9 mths 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
- 11 mths 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
- 11 mths 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
Re: The Official 2020 Debt Smackdown @farfromtheusual Every little helps! I've been doing these imagine if... calculations as well. They're great motivation! I have a 35yr mortgage but when I look at my current monthly payment against…
- 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 the encouragement! I'm strangely excited to make my 1st mortgage payment 🏘️
- Zoë
- take care of the pennies...
- Zoeah
- 1 yr ago
- 2
- Join A Challenge
- Reported - view
Re: The Official 2020 Debt Smackdown @Zoe Paid off Apr '20: Bank Loan: €260.33 Private Loan: €500 TOTAL: €760.33 Managed to keep groceries spending down but indulged in a bit too much online shopping!…
- Zoë
- take care of the pennies...
- Zoeah
- 1 yr ago
- 4
- Join A Challenge
- Reported - view
Re: The Official 2020 Debt Smackdown Paid off Mar '20: Credit Card: €700 Bank Loan: €260.33 Private Loan: €500 TOTAL: €1,460.33 Currently in lockdown until at least 19th April so using this as motivation to keep spending to an absolute…
- Zoë
- take care of the pennies...
- Zoeah
- 1 yr ago
- 3
- Join A Challenge
- Reported - view
Re: The Official 2020 Debt Smackdown @Zoe Paid off Feb'20: Bank Loan: €260.33 Private Loan: €500 TOTAL: €760.33 Wasn't able to put anything towards the CC this month as I had to make some payments a month earlier than expected and had…
- Zoë
- take care of the pennies...
- Zoeah
- 1 yr ago
- 4
- Join A Challenge
- Reported - view
Re: The Official 2020 Debt Smackdown @Zoe January 2020: I amended my 2020 goal to my minimum goal. Paid off Jan '20: Credit Card: €600 Bank Loan: €260.33 Private Loan: €500 TOTAL: €1,360.33 I have also now fully funded all of February…
- Zoë
- take care of the pennies...
- Zoeah
- 1 yr ago
- 2
- Join A Challenge
- Reported - view

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