Happy with your budget categories? Please share!

I'm curious to know how people organize their budget categories. Thinking of making some changes for 2018 and would love to see what people use (and don't use).

What are your budget categories?

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  • Hey Ryan ,

    I went ahead and moved this over to the Discussion section to hopefully pick up more activity! :)

    I'm planning an overhaul for the new year as well, so I'm curious to see what other's have to say! Currently, my budget has category groups for things I pay every month, things I pay intermittently (like Vet bills), things I'm saving up for and things I'm paying off.

    Reply Like 3
  • I have mine separated out into Monthly Bills (rent, electric, cable, savings, student loans, cell phone, credit cards since I am paying them down, not using them- it works for me), Monthly Spending (groceries, eating out, gas, entertainment, kitkats, health, cash, personal type stuff, holidays/birthdays, defies categorization), Car Stuff (maintenance, inspection, registration, insurance, AAA, new tire fund), Upcoming (yearly expenses, like Amazon Prime or YNAB), and At Some Point (vacation fund, new laptop fund). What are yours?

    Reply Like 2
      • Raynuuu
      • raynuuu
      • 1 yr ago
      • 6
      • Reported - view

      Violet Drill  LOL Kitkats!  I hope that's a category just for kitkats candy and not something else

      Reply Like 6
      • Jennifer D.
      • On a money journey
      • jendd2
      • 1 yr ago
      • 1
      • Reported - view

      Violet Drill This was so helpful! I forgot to add AAA and Amazon Prime to my budget. Thank you!

      Reply Like 1
  • I could use some reorganization here, as well! I do have a "Yearly's" category group which is where I budget for family members' birthdays and annual fees/subscriptions/etc. I realized I am more successful budgeting for individual birthdays than throwing everything into one "gifts" category -- otherwise I spend it all too quickly and then don't have enough for the next birthday in the family! :) 

    Do you have a Wish Farm yet? 

    Reply Like 8
    • Ben
    • Toolkit for YNAB Designer & Developer
    • furiousfalcon
    • 1 yr ago
    • 3
    • Reported - view

    Here's roughly how I split mine up. I initially started with fewer categories, but have expanded the list as my financial stability has grown and as I found there were certain areas I wanted to track more closely, like food-related spending. For my savings categories, I like the Wish Farm approach https://www.youneedabudget.com/wish-lists/

    Monthly bills:
    - Rent
    - Utilities
    - Phone/internet
    - Healthcare
    - Car/renters insurance

    Food:
    - Groceries
    - Activities (usually for stuff with friends, or small in-town activities)
    - Date Nights (once a week)
    - Eating Out - Both (minimal)
    - Eating Out - Me (minimal)
    - Eating Out - Her (minimal)

    Expenses:
    - Long Term Expenses (subscriptions, mostly)
    - Car Maintenance
    - Gas
    - Household
    - Larger Purchases (mostly larger household items, like vacuums, a new microwave, that sort of thing)
    - Beauty
    - Clothing
    - Pets
    - Gifts (sometimes I'll use a couple categories, separating out things like gifts just between my wife and I, with friends or family, or for specific events like Christmas)
    - Cash, Fees & MIsc (somewhat of a slush fund for misc things)

    Fun:
    - Activities and Events (in-town activities or events, mostly stuff with friends)
    - Date nights
    - Spending (somewhat general)
    - My Spending (small monthly allowance, that we can spend or save guilt free)
    - Her Spending (her small monthly allowance)

    Travel:
    - Food
    - Travel Expenses
    - [Other Specific Travel Goals]

    Investments:
    - [Various investment categories]

    Savings:
    - Emergency Fund
    - Computer / Tech replacement fund
    - [Various savings categories]

    Debt:
    - College Loans
    - Car Loan
     

    Reply Like 3
  • That is my budget categories.  I want to simplify it, but I haven't imagined how very well.

    Reply Like 3
    • boodles8 I want your bills!!!  Lol

      Reply Like 1
      • Elle Jay
      • Ellejay
      • 8 mths ago
      • Reported - view

      boodles8 Hi Boodles. Not sure if you'll see this but what do you define as special grocery?

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      • boodles8
      • boodles8
      • 8 mths ago
      • 7
      • Reported - view

      Elle Jay 

      That line is for when I go to stores that are miles and miles away, where I only go a couple of times a year.  Trader Joe’s is 90 miles from me, as is the store where I get my special tea. I stock up when I go either place.

      Reply Like 7
      • Elle Jay
      • Ellejay
      • 8 mths ago
      • 1
      • Reported - view

      boodles8 Ah yes - that's a good idea. I feel like this would also be good for sale items that put me over my normal budget but only happen rarely. Thanks.

      Reply Like 1
  • My current version reads:

    Daily Living

    - 8 subcategories: Rent-Utilities; Car Gas; Sundries; Groceries; Pantry-Freezer; Gracious Living; Loony Fund; Pocket Money

    Sometimes & Eventually  (aka Irregular)

    - 14 subcategories:  Grooming; Social Fund; Entertainment; Apparel; Gifts-Events; Christmas; Charity-Donations; Fundraisers-Raffles; Tenant Insurance; Home Office; Big Brother; Professional Services; Car Maintenance; Car Annual Fees

    I laugh in the face of disaster! (aka Emergency Fund)

    - 5 subcategories:  Car Insurance Deductible; Medical-Dental; Get out of Dodge!; Circle of Life; Cri$i$ Fund

    Want it! (aka Savings)

    - 5 subcategories:  Next Car Purchase; Dignity in Retirement; Big Shiny Things; Furnishings; Adventures

     

    I keep the tax man category hidden until I need it because it makes me frown.

    Reply Like 11
      • Ryan Oakley
      • Side-Hustler
      • oakley
      • 1 yr ago
      • 7
      • Reported - view

      HappyDance 5 Stars for category naming creativity!!! :)

      Reply Like 7
  • Thank you for the opportunity to share.  Not sure mine will work for anyone but me and here are my category groups.  In total, I have 165 categories, all under one or another of the category groups.  I have variable income and when funding a month, I fund the top with my "living expenses" first, then the bottom savings goals, starting with "Annual expenses" and ending with "Emergency funds."  Then comes "Apt. Maint exp."  Last to get funding is "Mo. Fixed Expenses" and I'm always working to the absolute end of the month to fill this one, which isn't due until the 1st of next month.   The "Wish Farm" is my reward for funding everything else.  If everything else is funded, I put $30 here.  

    Reply Like 5
      • Ryan Oakley
      • Side-Hustler
      • oakley
      • 1 yr ago
      • 2
      • Reported - view

      TryingToGetAhead love the emoji's. :)

      Reply Like 2
  • Here's what I came up with.

    Buffer includes my Emergency Fund

     

     

    Reply Like 2
  •  This is what I'm going into 2018 with, minus my credit card debt which I didn't screencap because there are numbers involved in their category names.

    (Why are these pictures so big??)

       
    Reply Like 4
  • Honestly, mine are pretty much the default ones. They were in YNAB 4, too. I like the KISS method, and the default categories cover almost everything for me. I have a category for my faculty union, two categories for reimbursables, and a wish farm, but other than that most of my categories are very close to the standard ones. 

    Reply Like 1
  • I use a handful of category groups. The most useful thing I did for a (re)organization point was recently I created a First Priority group and put groceries, mortgage, transportation, home maintenance in there. That one is on top and dollars needing jobs look there first.

    Reply Like 3
  • When you say "organize their budget categories," do you mean spend every other minute thinking of new, and creative ways to re-do their budget categories for the hundredth time this week?! Then, yes. Currently, we're going with the breakout that Dave Ramsey has listed. I tried really hard to aim at simple, at specifically use one word for each category. See attached:

    Reply Like 2
  • I should add that one of the ways I was able to do this was by leveraging both the goals and the notes section. Take my "Subscriptions" category for example:

    Reply Like 12
      • Matt
      • thinkmps
      • 1 yr ago
      • 2
      • Reported - view

      Dominique Robin I also lump sooner things together and use notes to remember what's in the lump.

      Reply Like 2
      • Blue Bird
      • Family budgeter
      • blue_bird
      • 1 yr ago
      • 5
      • Reported - view

      Dominique Robin  Thanks for pointing out how you use the notes. I also lump things together but have as many details as possible in the title and it never occurred to me use notes for some reason. That's about to change!

      Reply Like 5
      • Kevin
      • Kevin_17
      • 7 mths ago
      • Reported - view

      Dominique Robin How did you get your notes under subscriptions to bump lines like that? I have been trying to do that forever! I hit enter or return and it won't let me have multiple lines for hulu spotify etc. 

      Reply Like
    • Hot Pink Android Press Shift + Enter at the same time 🙂

      Reply Like 3
      • adriana01
      • adriana01
      • 7 mths ago
      • 1
      • Reported - view

      Hot Pink Android you have to do it on the web app (on your computer) in order for Shift-Enter to work

      Reply Like 1
      • Kevin
      • Kevin_17
      • 7 mths ago
      • Reported - view

      Coral J Hammerhead Thanks! 😄

      Reply Like
  • I used to have a lot of categories, but it was too much work. Now I've simplified quite a bit and it's been a lot easier to deal with.

    1. Fixed expenses - all my bills, daycare, & subscriptions (Netflix, etc) go here. I don't break it down into subcategories. I know what my fixed expenses are each month so it's no surprise how much I need to budget here.

    2. Savings - I break this down a little into Property Tax, Experiences, Short Term Expenses (professional dues, annual furnace maintenance, gifts), and Investments.

    3. Discretionary - food, dining out, clothes, pretty much everything else goes here. Again, I don't break it down into sub categories. Pretty much whatever I have left in my budget goes here. I don't really care how much I spend on groceries vs dining out vs other discretionary expenses. This is money I can do whatever I want with and it's a nice feeling.

    Reply Like 2
      • Matt
      • thinkmps
      • 1 yr ago
      • 4
      • Reported - view

      Purple Motherboard (91bf57519732) it seems like this could be challenging when it comes to making decisions based on the budget, like, if I have $50 remaining in my grocery category with 10 days still in the month, I know I need to be careful... but with a bigger pool, is it hard to have a sense of what you really have available for different purposes?

      Reply Like 4
  • Such a great topic! I worked and reworked my categories in YNAB 3, then 4, for years. Then with the new YNAB, our team got a little more method-y with the default categories. They start with the most necessary at the top, and gradually become more, well, Rule 3-able toward the bottom.

    I like that order because when I'm budgeting (Rule 1-ing, if I may!), I can start at the top and budget those really essential categories first. Or when I'm adjusting for overspending (Rule 3-ing), I can work from the bottom up, pulling money from the lower categories first.

    Here are my category groups:

    I opened up Unbudgeted to explain what it is. 

    I'd love to see more folks' categories, so educational! I remember when I was first budgeting, that's what I wanted to see most: how are other folks doing this? 😂

    Reply Like 1
      • Ryan Oakley
      • Side-Hustler
      • oakley
      • 1 yr ago
      • Reported - view

      Jen Thanks! How does "Money I'm Owed" work?

      Reply Like
      • Jen
      • Budget Expert
      • Jen_c
      • 1 yr ago
      • 3
      • Reported - view

      Ryan Oakley Oh good question! I use Tracking Accounts and Splitwise for people I regularly owe or am owed by (my sister, my mom, my honey). 

       Here's a video I made explaining how Splitwise works with YNAB in more detail. And here's how to use a Tracking Account for a loan you make to someone (however small). 

      That Money I'm Owed Category usually has zero in it because I settle up quickly. I don't like orange or red on my budget ever!

      Reply Like 3
      • Ryan Oakley
      • Side-Hustler
      • oakley
      • 1 yr ago
      • Reported - view

      Jen Thanks for the video! I've been "trying" to use Splitwise with my girlfriend now that we are living together. It got way too complicated so now we're both now sure where we are at and who owes who how much. But we may try it again with this new information. One issue is that she often forgets to enter transactions into Splitwise. I suppose we can go back into her YNAB to figure out what the transactions are. Still trying to find the simplest solution that works. We don't want to be spending hours on this stuff every week.

      Reply Like
      • Jen
      • Budget Expert
      • Jen_c
      • 1 yr ago
      • Reported - view

      Ryan Oakley Sure thing! Splitwise is easily the most challenging part of my budget, by far. Here's the key: settle up quickly. Like, immediately, if possible.

      Reply Like
      • Ryan Oakley
      • Side-Hustler
      • oakley
      • 1 yr ago
      • Reported - view

      Jen wonder if YNAB could find a built-in solution to shared expenses so we didn't need to use a third-party solution. Please add that to the YNAB Feature Wish Farm for me! :)

      Reply Like
      • Jen
      • Budget Expert
      • Jen_c
      • 1 yr ago
      • Reported - view

      Ryan Oakley what would that look like? That is, what would the perfect solution be, for you?

      Reply Like
      • Ryan Oakley
      • Side-Hustler
      • oakley
      • 1 yr ago
      • 1
      • Reported - view

      Jen Well, perhaps you could link your YNAB with someone else's (roommate or significant other)....so that certain categories could be set to 50/50 or 60/40 shared. If your roommate buys groceries, 50% of the transaction automatically shows up in your grocery category on your YNAB and then there's a new category created that would then show that you OWE your friend that amount. Kinda like how credit cards are set up. Does that make sense?

      Reply Like 1
      • Jen
      • Budget Expert
      • Jen_c
      • 1 yr ago
      • Reported - view

      Ah, it does, thanks! And it gives me something to send over to the design team. 😀

      Reply Like
      • Ryan Oakley
      • Side-Hustler
      • oakley
      • 1 yr ago
      • Reported - view

      Jen The more I think about this feature in YNAB, the more I really really want it. I wonder how many people have a similar issue. Basically it's the "roommate" problem - whether that's your college buddies or a significant other where you haven't combined your income/expenses.

      Reply Like
    • Ryan Oakley Jen I too would find a full integration with splitwise superbly helpful. Both for my roommates and my boyfriend. It's great to just use splitwise if spending ends up even and I already planned to spend that money, but it's annoying if I'm trying to keep track of how much I'm dining out, for example.

      Reply Like 1
    • Jen  Having a "Rule 4" category is the greatest thing I've ever seen. Thanks for the inspiration!

      Reply Like
    • Jen Hey is there anyway you can go into a little more detail as to how you use the "Rule 4" category?

      Reply Like
      • Jen
      • Budget Expert
      • Jen_c
      • 1 yr ago
      • 1
      • Reported - view

      Angel Claudio Sure! It's very simple. Whenever I get income, which is about 3 times a month, I give that the category Inflow: To be Budgeted, and then see that in the To be Budgeted at the top of the Budget.

      I click on the TBB, move that money to the Rule 4 Category, and then let it sit there. I check to make sure it matches the Total Income on the right side of the Budget, in the Inspector. 

      When the end of the month happens and it's time to budget next month,  I move all the money in the Rule 4 Category back to the To be Budgeted, and then click forward to next month. It's there and ready for me to budget. There's never any amount budgeted to that category in past months, because I pull it out at the end of each month.

      Let me know if you use that trick!

      Reply Like 1
  • I want to preface this by explaining that we are in the last decade of our working lives and are in our peak earning years... our only remaining debts are a mortgage and car payment - both of which will be paid out in full in early 2020.  YNAB helped us get here! Our mortgage and car payment are in in the 'debt' section, not the housing or transportation sections. We separated our wish list categories because so many of the items were Home Improvement/Decor we felt they deserved their own acreage! The dollar amounts are 'about' what we wind up budgeting in total each month, in each area. The 'retirement' totals in brackets are amounts that reflect our employer/employee pension contributions - so they actually 'disappear' off our paycheques before ever hitting YNAB. Housing includes savings for major repairs, appliance replacements, property taxes, and utilities.  Yes, we spend a lot on groceries and dining out. Health and fitness includes saving for hearing aid replacements (expensive!), other medical expenses, and our gym/trainer expenses. "Allowances" covers our separate spending for fun money categories as well as clothing and hair cutting expenses. "Fun and travel" covers date nights, fancon expenses (if you have to ask, you'll never understand) and trips we make on a regular basis (i.e. to visit his family or my family or our children who moved to other cities instead of staying close to home!). The vacations category with the tractor/plan emojis is vacations harvested from the wish farm. 

    Reply Like
  • I literally just posted mine in my journal today! https://support.youneedabudget.com/r/k91g6w

    Reply Like 1
  • I appreciate this topic!  We've been using YNAB for around 6 years and have arrived at a category framework that I think  is simple yet also detailed and informative.

    We have 3 main categories - NEEDS, WANTS and SAVINGS. I picked up this idea many years ago from a book called "All your worth" ( https://www.amazon.com/dp/0743269888/ref=cm_sw_r_cp_awdb_t1_4KCnAbSF0JRSK ) by Elizabeth Warren and her daughter when she was *just* a scholar and financial guru. She recommended keeping your Needs at 50% or less of total take home pay, Wants at 30% and Savings/Debt Payoff at 20%.

    I love this as a benchmark but we are stuck at about 70% for Needs due to a high mortgage, leaving only a sliver for Wants and 20% for our debt paydown.

    Here are the subcategories that we use:

    NEEDS

    Mortgage, Groceries, Utils, Ins, Auto, Haircuts, Household Supplies, Home - Maint, Medical, Dry Cleaning

     

    WANTS

    Tithe, Spending - (Dad, Mom, Kids), Home - Renovation, Utils - Net/Phone/Cable, Vaca, Dining Out, Hlth & Fit, Books, Gifts - (Birthday/Babies/Weddings), Gifts - Christmas, Entertainment

     

    SAVINGS

    Debt Snowball

    Reply Like 2
    • Tan Screwdiver (6bc2159cfc02) For the Elizabeth Warren approach, how are you calculating your 100%?  

      For example, healthcare and taxes come out of my paycheck automatically and I try to think of that as money I never had.  Do you add your healthcare costs back in to your 100% and then use that as part of your 50% needs? 

      Thanks! 

      Reply Like
    • Coral Wrench Hi - I keep it simple and just look at take-home pay.

      So, I'm not factoring in dollars that come out of check for benefits, taxes, etc.  

      And to be clear it is a guideline that  living in a NYC submarket makes it very difficult to actually meet.

      Reply Like
  • I attached a screenshot of mine. I have kept YNAB's basic ones, tweaked a few. For organization sake, besides the normal True Expenses, I have an Annual True Expenses and Semi-Annual True Expenses, category. 

     

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  • I'm always tweaking

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  • Oh me oh my! I change mine every once in a while (I'm a Gemini, change is imperative) but my current listing is

    1.  Credit Card Payments
      I wish I could hide this... someday 😜 - 3 separate cards
    2. Monthly Bills & Expenses
      gas/tolls/parking, cell phone, six flags membership (don't judge), lexington law (I have had a rough go), student loans, walt disney world annual pass (on FL resident payment plan....switching that to full annual expense in May), car insurance, storage unit, & entertainment subscriptions (netflix & spotify).
    3. As Needed/Allowed
      auto repair/maintenance, business expenses, medical-related, DMV costs, education/job training, friends & family debt, FEES, gifts, charity, groceries (food), groceries (household), pet care & expenses, uber/lyft
    4. Annual Expenses
      aaa, amazon prime, CLIA, irs (quarterly taxes-self employed), NRA, YNAB, TurboTax (I'll never not pay the bajillion dollars for this)
    5. Savings
      buffer, emergency savings, misc savings (small amounts that I allow myself to take from in time of need), investing, retirement
    6. Travel Expenses (again...don't judge, this is priority haha)
      airfare, car rental, hotel/lodging, disney vacations, misc travel costs & items
    7. Frivoloties
      alcohol (so I can try to spend less each month), caffeine, clothes/accessories, concerts/band merch/music downloads, fast food & snacks, electronics/tech/media, gambling (rarely touched), pamper myself, restaurants, tattoo fund, "movies, conventions, theme park spending, sports, etc.", and miscellaneous spending (is that possible with my amount/selection of categories?)
    8. Wish Farm
      (insert whichever wishes are currently growing)
    9. Wish List
      (insert 6,000,000,000 random wishes)

    Reply Like 2
  • I've reorganized mine for 2018, grouping things like this:

     

    • Financial Freedom! contains two subcategories: Debt Snowball and Emergency Fund.  I've realized that paying attention to the specifics of each of my debt accounts is complicating and distracting things for me, and at this stage in the debt paydown game (i.e. early on!), I want to focus mainly on the TOTAL $$ I am throwing at debt paydown each month. I'm including Emergency Fund in the same group since I'm just aiming to maintain a $1000 mini fund at this point, while focusing on reducing debt.
    • Fixed Monthly is for necessary expenses that are the same each month, which are surprisingly few (Rent, Car Insurance, Cell service).
    • Lumpy Essentials are necessary expenses that are either non-monthly or vary each month.
    • Happy Things are discretionary expenses :)
    • Trying out Wish Farm & Wish List per recommendations in this thread!
    • Oops! contains a single category, Fees & Sh*t :( where I record any could-have-been-avoided fees, fines, etc (late fees, parking tickets, etc etc)

     

    Here's my full category list (the emojis have been so fun and really help keep things upbeat for me!😄):

     

    Reply Like 5
    • Resistant Punch Roller Haha, you win best use of emojis!  Your CATS category made me lol.

      Reply Like 1
      • TheTabby
      • Just a common cat trying to budget uncommonly well.
      • TheTabby
      • 1 yr ago
      • Reported - view

      Resistant Punch Roller ooh, I totally agree.  Is there any easy way to get the emojis from my computer or do I have to edit the categories from my phone?

      Reply Like
    • TheTabby My partner showed me how to access emojis on a laptop, I had no idea it was possible! Here are some tips: https://docs.youneedabudget.com/article/196-using-emoji-in-your-budget

      Reply Like
    • Resistant Punch Roller The emoji are a hoot!! On debt repayment -- this is for everyone repaying credit cards--see this recent article: https://www.washingtonpost.com/news/wonk/wp/2018/01/02/most-people-are-paying-off-their-credit-card-debt-all-wrong-are-you/?utm_term=.1051b60f199d

          The main point is that if you are paying off more than one credit card by dividing your "debt repayment" category equally between the credit cards, you could be paying gobs of extra interest. The example in the article has someone paying about $1000 in interest in a year!! Oh, that hurts!  The average 2-card family is paying about $90 extra for interest per year. That hurts, too....

      Reply Like
    • Sea GIreen Memory (a503c666cb9f) I'm really surprised to read that most people throw equal amounts at all their debts, rather than using  Dave-Ramsey style "debt snowball" (i.e. lowest balance first) or what I've heard referred to as "debt avalanche" (highest interest rate first) approaches. Possibly this is because I've been following debt paydown stories on YNAB and other online money management forums for over a decade, I assume everyone knows these strategies! :)

      Reply Like 1
  • I keep mine pretty straightforward.

    Immediate Obligations
    Car Payment
    Auto Insurance
    Cell Phone
    Electric
    Homeowners Assoc.
    Internet|Cable|Netflix
    Mortgage
    Natural Gas
    Satellite Radio
    Trash Collection
    Water

    Expenses
    Car Maintenance
    Clothing
    Groceries
    Gifts
    Giving
    Medical

    Just for Fun
    Dining Out
    Entertainment|Activities
    Misc.
    Personal Care

    Quality of Life Goals
    Christmas
    Emergency Funds
    Home Needs
    Vacation|Travel

    Instead of getting too granular with the categories, I use the "Notes" section as a reference of what's included in that category. For example my "Home Needs" notes says "home maintenance, technology, upgrades, household purchases, exterminator, lawn maintenance."

    This works well for us!

    Reply Like 2
  • I have my true spending categories organized by bill sorted by the date due in the month (i.e. internet is due on the 1st so it is at the top, I also change the title to add the date, what account it comes out of, and how much it is (Internet 1st-checking $57) like this

    Reply Like 2
  • Does anyone have a tip for reorganizing past transactions into new categories?  I want to further divide my categories to track them separately.

    EXAMPLE

    • Old: Food
    • New: Restaurants, Groceries 

    I created a new category and tried to assign past transactions to the new category, but when I do, it completely screws up my budget.  I would like to organize my budget differently but I don't want to make any changes to my beautiful budget until I figure out how to get around this quirk. 

    Reply Like
      • HappyDance
      • YNABing consistently since 2014
      • HappyDance
      • 1 yr ago
      • 3
      • Reported - view

      Jessica 

      The best practice is to create the new category and just go forward and forget about splitting off past spending into different categories.

      That said, I have actually done what you are attempting to do, and can provide a step-by-step to walk you through it.  Proceed with caution. You can seriously mess up your budget. If you are using YNAB4, you have the option of just loading an earlier version, one prior to you messing around, and there is no harm done. If you are using the web version, nYNAB, you can keep hitting the undo to get back to where you started, but only if you haven't refreshed your browser or logged out.

       

      1. create the new category(ies) - I recommend moving the categories so that they are immediately next to each other. (you can reposition the categories to where you want them later when you are done editing)
      2. under accounts, go to the all accounts view. Enter a search for all the transactions for your original category name (this will bring up every transaction assigned to that category)
      3. select every transaction you would like to move to the new category 
      4. select [edit]  (see screen capture below)
      5. select Categorize as and navigate to the new category

       

      After you've gone through all the transactions to be moved, now it's time to fix the funding on your budget screen.  You will have to move funds from the original category to the new category to cover the red negative you created in your budget.  Start in your oldest month and move forward. Each month in which you had transactions that you moved will now have a negative number that needs to be addressed.  As an example (to get a screen capture) I created a temporary category, moved three old transactions, and on the budget screen, the negative number is showing that I did not budget the funds necessary to cover recategorizing the transactions. At this point I can click on the original category (which has 281.10) and use the move money tool to move 96.81 from the original category to the new category to deal with the negative showing in this month. 

       

       

      To recap:  First move all the transactions to the newly created category.  Then fix the red negatives in each month by starting in your oldest month and moving forward.

      Seriously consider just going with the recommended method and not altering historical entries.

      Reply Like 3
      • HappyDance
      • YNABing consistently since 2014
      • HappyDance
      • 1 yr ago
      • Reported - view

       Added as an afterthought (I really hate that I can't edit my own posts beyond a certain time limit, that is so sucky!)

      You only need to move either the restaurants or the groceries, afterwhich you would rename the old Food category to read either Groceries or Restaurants.

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      • Jessica
      • She Creates Freedom
      • She_creates_freedom
      • 1 yr ago
      • 2
      • Reported - view

      HappyDance This. Is. Amazing.
      Thank you for taking the time to clearly explain the process and demonstrate what happens. You have a great tip to keep the new category directly under the old one to make the transfer easier.  When I tried this earlier I couldn't keep track of what needed to be moved so I reverted back.  

      Based on the volume of transactions I would have to do, it would probably be best to leave the old transactions and do as you say, just move forward with the new categories in the future. I MIGHT try moving my business expenses starting in 2018 since that is a smaller volume of transactions to have to reshuffle. 

      Thank you so much. 

      Reply Like 2
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