YNAB's 34-Day Challenge!

The YNAB 34-Day Challenge starts tomorrow! For anyone interested in joining in, let's keep track of our progress through this thread :)

You'll get a daily prompt to take a small action for your budget that should set you up for the best year yet. At the end of the challenge, someone will walk away with a full free year of YNAB, too!

Sign up here and read the post for more details!

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    • MissusTea
    • "The future belongs to those who believe in the beauty of their dreams" - Eleanor Roosevelt -
    • MissusTea
    • 2 mths ago
    • 2
    • Reported - view

    Day 5 written up!

    Any one else using the challenge to establish a writing habit?

    Reply Like 2
  • Day 5 complete!

    Reply Like 1
  • DAY 5 Part Duex

    Since I am wide awake and have been since 1:15 AM I am watching/listening to the prerecorded YouTube videos. 

    So that is all three ways of getting schooled. 

    Reply Like 1
  • YNAB 34-Day Challenge Day 6: Move Money Like A Boss (Rule 3)

    I read the Moving Money Guide.

    I watched the YNAB Mobile Quick Tips #10 - Moving Money video on YouTube.

    Today I got $10 in cash from a sale on Facebook Marketplace. I entered that $10 in my Cash account. I will move it from my Cash account to my checking account once I deposit it and then budget it to the Grocery category. I know that's more of a transfer but it's still moving money. I do use the features in the web app and the mobile app to move money. I do always forget that I can swipe right in the mobile app to move money so I'm going to try to keep that in mind the next time I need to move money from one category to another.

    I love the YNAB app because it is so easy to use and so helpful. YNAB ROCKS!

    #YNAB34days

    Reply Like 1
      • internettie
      • Writer
      • internettie
      • 2 mths ago
      • 2
      • Reported - view

       I would love to be able to pay cash for a Tesla one day. Or any electric car for that matter. I gave up my fossil fuel car a year and a half ago. I take the bus, walk, get transportation to medical appointments, or get rides with friends if I want to go somewhere. I don't want to get a car again until I can pay cash for an electric, preferably a Tesla but we'll see if they are still in business by the time I'm ready to buy one.

      Reply Like 2
  • Day 6... since defining new priorities on day 1 I have been moving bits of money about, especially into new categories. I decided that even skimming tiny amounts off was a step in the right direction.

    Reply Like 1
  • DAY 6:

    Read the article, the link for instructions on the mobile device took me to a dead page.

    Totally missed the Facebook Live session, as I missed that it was east coast time, so used to the schedule for classes being in my time zone I did not notice it was not. Well there is always tomorrow and other days this week. 

    Tine for a nap then to watch the short video. 

    Reply Like 1
    • MissusTea
    • "The future belongs to those who believe in the beauty of their dreams" - Eleanor Roosevelt -
    • MissusTea
    • 2 mths ago
    • 1
    • Reported - view
  • DAY 6: Part II

    Video watched.

    Did not know that moving money was that easy on the mobile. Is there more videos on what can be done on the mobile app?

    Reply Like 1
    • Ruff16965 Yes! You can click the Help tab on your mobile app and scroll through the Quick Tips at the top or head over to our Youtube Playlist for some more short videos!

      Reply Like
    • Veronica at YNAB Thank you I will check them out. 

      Reply Like
  • Reply Like 1
  • Day 6: Move money like a boss.

    I usually just use mobile app to add transactions.  I didn't know it was that easy to move money in it!

    Reply Like 1
  • Day 6 Complete!

    Apparently my children left their lunches at home a couple times in December, because I got the bill from the school this weekend! I really wish they would call me, but I know they have far better things to do 😬

    Moved money from our Restaurant category to cover the school bill! One less trip to get ice cream this month - that's ok!

    Reply Like 1
      • MissusTea
      • "The future belongs to those who believe in the beauty of their dreams" - Eleanor Roosevelt -
      • MissusTea
      • 2 mths ago
      • 1
      • Reported - view

      Veronica at YNAB Ah the classic "Where'd my lunch go" mystery. We know that one in our house too. ;)

      Reply Like 1
    • Veronica at YNAB Maybe let them know that them not calling you means that there is that one less ice cream trip this month. 

      Reply Like 1
    • MissusTea My personal favorite is "my lunch looked squished" 🤦‍♀️

      Reply Like
      • MissusTea
      • "The future belongs to those who believe in the beauty of their dreams" - Eleanor Roosevelt -
      • MissusTea
      • 2 mths ago
      • 1
      • Reported - view

      Veronica at YNAB 😂 lemme know if you figure out who's going around squishing lunches because that happens here too!!

      😉

      Reply Like 1
  • I joined the FB group but also removed FB from my phone. Beware of confusing tapping away at your phone with community.... Still, being in the Savings and Age of Money Challenges is motivating, and kind of fun.

    Reply Like 2
      • MissusTea
      • "The future belongs to those who believe in the beauty of their dreams" - Eleanor Roosevelt -
      • MissusTea
      • 2 mths ago
      • 3
      • Reported - view

      lindsay_g   

      Forums function differently than FBook - I believe it's because people are taking time to write their questions and posts and there's no instant gratification hit. FBook  is seriously a trap (where's my tinfoil hat). This is the most social participation I've done *ever* online in any form of social media and I'm enjoying it. 

      Reply Like 3
  • DAY 7:

    Have the FaceBook group pending, not sure how much good that will do me. I almost never go on FB, unless I get a notice about a post on the local "Graver" group for genealogy. Almost exclusively Messenger app on devices and computer. 

    Now the YNAB Support Forum I am always readying, asking questions and paying it forward when I can by answering others that I know the answer too or sharing how I do it. 

    Reply Like 1
  • YNAB 34-Day Challenge Day 7: Bond With Other Budgeters

    I have been part of the YNAB community for about 10 years now. I get a lot of encouragement, support, and information through other YNABers. I have a Journal in the Support Forum, I am part of the Facebook group, and I just joined the reddit group (I'm old and not so hip to reddit LOL). The thing I love most about using YNAB is the community and that comes from the top, from Jesse to the YNAB staff, to YNAB users. I know if I have a question someone will have an answer. The motivation I get to stay on budget is so important to me. I don't think YNAB would work as well if there was not an incredible YNAB community! #YNAB34days

    Reply Like 5
  • Engaging with the YNAB community has been a significant part of my financial journey.  I'm very grateful for the numerous opportunities to do so.

    There is also the classic forum here: https://forum.youneedabudget.com/discussions New YNABers using any version of YNAB are always welcome. I don't know why it wasn't listed in the challenge posting. That seems like a rather large oversight.

    I participate in this forum, the classic forum, and the subReddit.  I have zero interest in Facebook because of the lack of anonymity and because I work in a very public domain.

    The anonymity of a user name allows me to share far more intimate details of my financial affairs and family life than I could ever do without the veil.  I like to think that the level of personal detail might be helpful or beneficial to both me and to others.  In sharing with other YNABers, I am able illustrate real examples of how I use the software and, incidentally, that they are not alone in their own less-than-perfect life situations.  I simply would not, could not, do that under my own name on Facebook.

    Reply Like 4
    • MissusTea
    • "The future belongs to those who believe in the beauty of their dreams" - Eleanor Roosevelt -
    • MissusTea
    • 2 mths ago
    • 1
    • Reported - view
  • day 8:  Look at the budget, not the bank account.  This is a BIG one for me.  Looking at account balances is one of the things which has gotten me into trouble.  I check YNAB budget frequently.  It is making a difference already....got the age of money up to 3 days (my goal is to increase to 10).   

    Reply Like 2
      • lindsay_g
      • Beige_Banjo.3
      • 2 mths ago
      • Reported - view

      Rachael Loucks Me too, it was my first philosophical stumbling block. Now already I have a load of money in the bank which six months ago would have taken as a signal to spend it all.  But it’s all budgeted for. Literally every penny from my pension pot to the loose coins in my car are listed in YNAB. I think that because I was so awful with money before, I’m thankful for a set of rules to just follow blindly, and it’s honestly changed my life.

      Good luck with your Age of Money. You *will* smash that target and go way past it too. 😇

      Reply Like
  • DAY 8:

    Doctor appointment today, decided that I was going stir crazy on bed rest/limited weight baring, so going to do lunch before I see the Dr. Have already checked the app for what I can spend. 

    Reply Like 1
  • Reply Like 1
  • I've been posting about the challenges in my journal: https://support.youneedabudget.com/t/63dnmh/forward-motion

    It's been interesting to think about some of these topics again. Many are things that I now just automatically do, but really were revelations when I was first learning how to budget the YNAB way. I do need to check out the classes more often. It's always good to learn new tricks or see a new perspective on a topic.

    Reply Like 3
  • Time to play catch-up.  

    Day 7: Bond with other budgeters.

    This one is a tough one for me.  I'm a long time lurker in the old YNAB forum as well as this one but I'm not very good at posting.  I don't have any social media accounts because I don't tend to share much.  I'm surprised I'm posting in this Challenge! LOL I do however, enjoy reading about the successes and rooting (from afar) for all who are working on getting their finances in control.  I visit the forums almost daily.

    Day 8: Check your budget, first.

    I check my budget daily.  I almost always know where I stand in our most used categories.  That said, I would like to rely on category balances more and move money less.  I'm hoping that by allocating more funds to Spouse's category, this will be easier to stick with.  Sometimes, when he spends money on unbudgeted items, it's easy to do the same because "what's the point?"

    Day 9: Schedule a transaction.

    All of our bills are already scheduled recurring transactions.  I just change the amounts and dates, as needed. 

    Have a great day!

    Reply Like 5
  • Day 8: Check Your Budget First

    Yes.  I always do this.  My tendency was/is to overspend in small amounts, and that's where I always failed in other budgets.  It's only $5. It's only $5. It's only $10. But when you add up all those little $5, either a bunch in the same category, or $5 in a bunch of categories each, it can blow a budget every single month, and that was how budgets never seemed to work for me.

    In my first year of using YNAB I got in the habit of checking the budget daily, making it a personal rule to move the funds before overspending, and if I couldn't do the entry first (I didn't have a smart phone at the time), I would have to mentally decide which category was going to be reduced.  I think I fixed myself, because you'll never hear me say: It's only $5, so it doesn't matter.

    Day 9:  Schedule a Transaction

    OMG!  Such a big time saver.  I have recurring transfers and transactions.  Some I've entered with a 0 outflow because I won't know the actual amount until the day I need to pay it, but the entry acts as a reminder and all I need to do is fill in the amount.  I even have my recurring weekend shopping transactions set as recurring scheduled entries. A lot of those shopping trips are split transactions with purchases assigned to different categories. Having the transaction pre-entered with the usual category splits chosen just speeds up the entry.

    Reply Like 5
    • MissusTea
    • "The future belongs to those who believe in the beauty of their dreams" - Eleanor Roosevelt -
    • MissusTea
    • 2 mths ago
    • 2
    • Reported - view

    Day 8 and Day 9
    #YNAB34Days <3

    Reply Like 2
  • A little behind!

    Day 5: sign up for class

    Done, done and done.  I'm sure I will do more, but having done quite a few over the last 2 years I am skipping this but reminding myself to stay up to date!

     

    Day 6: Roll with the punches

    Happens *all the time*...sometimes even daily.  I try not to constantly reprioritise, but there are times when it's good to take advantage/replan the timeframe etc.  This month that occurred as we chose to take a camping holiday later in the month when it wasn't on the radar at the beginning of the month.  I'll make it happen!

     

    Day 7: Bonding over a budget

    Bigtime...I love the support forum and really feel like some of you are my friends!  I talk YNAB to many of my face to face friends too...

     

    Day 8: Check your budget first

    I have to say I love the app.  I check often...sometimes I think - I KNOW I haven't spent so there can't be anything to reconcile or enter in....😂. I do like the ease of entering, reconciling and the clarity I have about what $ are left and where I plan for them to spend.  It certainly makes it easy to then reprioritise or change my budget.  Also I've updated my category group names to Fairly fixed, Some wiggle room and Live is for living.  This is a reminder to me of where I can trim $ and where I can't.

     

    Day 9: Schedule

    Just added one today.  We will be away later in the month, so I scheduled it both in my bank account to pay on a certain day and in YNAB.  When the day arrives and I am blissfully at the beach, I know it will all happen and when I get back from the holiday I can just approve and 'clear' the transaction :)  I also have scheduled transactions for fixed $ amount bills each month and for my income which is fortnightly and set.

     

    #lessthingsmoreenjoyment 

    Reply Like 1
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