YNAB + undebt.it Users Community
Welcome to a place where folks that are using both nYNAB and undebt.it can share our experiences, wins, and questions, and folks interested in using YNAB and undebt.it together can learn more about how to succeed.
The goal is for this space to be informative, encouraging, and constructive.
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Question - YNAB Sync Overrides Manual Entries in Undebt.it
After integrating my accounts, I noticed that payments that I had pre-logged in undebt.it were deleted, as I had turned on integration of transactions. As a result, I turned off syncing of transactions, and only have my balances synced.
The reason I pre-logged some transactions was to see how different payments would affect future payoff dates. Ultimately, it wasn't a huge deal, because I intended to delete those anyway, but I'd like to have my payments synced as well, to reduce the amount of time I spend updating undebt.it.
If you've noticed the same thing, have you found a workaround? Or did it work for you and I should give it another go?
Hi I'm Vina. I've been a YNAB member for a few months, but just downloaded undebt.it. I have 10 credit cards @about $24k in debt, and I am anxious to prove to myself that I can pay it all off by Nov 2023. Definitely looking forward to the motivation from this group forum.
Hello! Just curious about using both YNAB and undebt.it. I just heard of undebt.it and am wondering if I should give it a try.
We've got a few debts that need to be paid. We could use the snowball method on a couple (IE: they have a minimum but we can pay as much as we want) then a couple that we can't do that with (IE: mortgage, car payments (I think) etc).
What's the benefit of undebt.it? Is it just a tracker?
Thanks in advance,
I just had a look to undebt.it - looks nice and could be another tool for a brighter future :)
BUT I have a question: I have a car loan and pay $500 per month. I added the payment to the loan in undebt.it and the loan amount was lowered by $500. But that's not the case because part of the $500 is going towards interest. So the loan amount is only lowered by let's say $400? Am I doing anything wrong?
Thanks for the tip. Registered my undebt.it account tonight. I'm driving myself and my wife nuts trying to figure out how to make ends meet and try to get ahead of the curve when we're about $1500 per month short of making minimum payments on consumer debt. I'm anxious to get started and pull in my credit card accounts via YNAB.
Really glad I found a place and community I can talk to and share ideas and questions with! I am recently new to both YNAB and Undebt.it. I recently emailed their support to ask a question, but maybe someone here will already know the answer. As stated previously by someone already, you enter all of the credit card information, including the APR %, and it simply calculates the interest charge and applies it to the card upon due date (from what I noticed). The question I asked their support is; "what if the calculation is incorrect? I know there's a way to edit the current balance at any time, but it seems the the interest entry is not able to be edited?" The reason I am asking is because there are several instances in which a card may have different portions of the total balance on different promotional rates, and obviously I can only enter one %. Or, one card calculates interest charges one way, and another card another way. I know this seems like a small inconvenience, and with the ability to just update the current balance every time it updates on my account I can remain accurate and on track. But let's say for historical data information and tracking? Or if I simply want to remove the now required step of updating the balances to be correct each time. Anyone ever have this issue or know how I can manage to change the applied interest that is automatically calculated? Thanks in advance!
Signed up recently for undebt.it. It's only $12 annually, is informative, and fun, to play with. Only have mortgages, which I don't track in YNAB, so I track them here only. Been using YNAB for a few years now. My goal is to pay them off by 1/1/29, which I'm not sure is possible, and it's a goal. This is where I stand today. I'm using the Avalanche method as it saves a little in interest but my snowball amount is small enough to not make much of a difference today. Hope to change that once I get some more buffering going in a few different categories.