Christmas win :)

I mentioned this in another thread, but it really is a win for me. I started YNAB last year around the start of September, so last Christmas was the first time I ever actually knew how much Christmas had cost me.

I diligently put that number into a Christmas goal, and this year... I am fully funded ahead of time for the Christmas spending. Instead of nauseously watching money pouring out of my account and having no idea where it will end, I will be watching the lump sum I built up ticking down - just like I planned.

This is the most astounding thing for me. Truly a YNAB win with bells on! 🎄🎄🎄

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    • TechieM2
    • IT Professional and General Geek
    • techiem2
    • 2 yrs ago
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    I don't use a specific category for Christmas, I just have a general Gifts category that I fund monthly (and yes, it's one of my largest categories lol).

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    • Annieland
    • I was told there would be no math.
    • Annieland
    • 2 yrs ago
    • 1
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    That's awesome!  My win is that I haven't been stealing from my gifts category anymore.  I stopped over the summer and decided to get real and start budgeting a realistic non-negotiable amount every month.  Sometimes just a little discipline and a lot of visibility can go a long way towards these wins and a great holiday for all.

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  • lindsay_g said:
    I am fully funded ahead of time for the Christmas spending. Instead of nauseously watching money pouring out of my account and having no idea where it will end, I will be watching the lump sum I built up ticking down - just like I planned.

     That's such amazing news! Thanks for sharing it in this section too. It sounds like there is much less stress around that holiday spending this year? 🙂 Congrats on sticking to your plan!

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    A great big reindeer smooch for lindsay_g

    Christmas is such a great category to get under control. I can stop spending on just about anything else when I'm out of funds, but Christmas is too fraught with emotional stuff.

    I also started including a little extra for seasonal groceries in my Christmas category. When I start buying specialty foods (and beverages) and baking supplies for the season, I just transfer the cash infusion from the planned-for funds waiting in the Christmas category to groceries.

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    • HappyDance That picture! ❤️

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      • Annieland
      • I was told there would be no math.
      • Annieland
      • 2 yrs ago
      • 2
      • Reported - view

      HappyDance That is sooo cute!!  I keep a "Holidays & Celebrations" category for that.  So I agree keeping that food separate from regular groceries.  Holiday dinners in or out go there, as well as food purchased to bring to others' parties and gatherings.  

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      • lindsay_g
      • Beige_Banjo.3
      • 2 yrs ago
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      HappyDance That's a great idea (and picture!). I can't remember now if I included just presents ... I'm pretty sure I counted in all the 'extras' because I was still in the early stages of super-keen-constant-fiddling-checking-checking-checking. I guess I'll find out! But yes, it really has to all be included. 🎄

       

      Actually - lightbulb! 💡 - I did count them, which means all the wine and beer I just bought are in the wrong category. Plus when I move them to Christmas, suddenly Food and Drink is going to have a lot more left in it! Double win!!

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    • lindsay_g This just reminded me of all the egg nog and sugar cookies to be bought! I'm so excited it's December! Merry Christmas and congratulations! :)

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  • Merry Christmas !

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