Country Club Dues/ to treat?

We have a monthly country club membership that has fixed dues ($450) and then we charge food, drink, golf, etc. All payments are due the month after the charges are incurred. Just like a credit card. 

This is my first time using YNAB (yay!) but I'm not sure... 

  1. Where to add these transactions in real-time? (e.g. - where do I add these transactions on my budget...checking or savings? Won't this mess up account reconciliation)
  2. If I get the transaction slightly wrong, (e.g. - I don't add the service tip/fee correctly), do I just go into the transaction next month and fix it?
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  • Sounds like the food/drink/golf/etc work on a credit basis. I'd setup a Line of Credit account.  When you  utilize the credit (ie eat/drink/golf/etc) record a transaction in the Line of Credit account giving it an appropriately funded category for the expense.  When it comes time to pay the country club, just pay using your checking/savings and record a transfer in your checking or savings to your LOC.

    Are your dues combined with your food/drink/golf/etc bill or separate?  If separate, just pay them via checking/savings and record the appropriate category.  If combined, create a transfer from checking/savings to the LOC for the amount of the dues and give it the appropriate category for dues.

    If you get the transaction slightly wrong, just edit the transaction and fix it as needed.

    Hope this helps,


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  • First of all, a line of credit account used when you pay for stuff. Second, I would have a dedicated category for the dues and at least one for the on-demand stuff to provide spending guidance.

    I'd probably even separate some of these. Golf rounds separate from drinks, for example. It really depends on how detailed you want the spending plan, but the idea is that these categories protect those funds from other things. If I want to ensure I can play 4 rounds of golf this month, put that much in its own category. If it's mixed with drinks in a single category, I'd have to do math on the spot (perhaps at the bar, which is asking for trouble!) to see how much I can spend on drinks while leaving enough for later golf rounds.

  • Thanks all. If I ultimately write the club a check to pay my balance, why wouldn’t I just add transactions on an ongoing basis in to my checking account? 

    • CWaldburger Because those transactions won't show up on your checking account statement. You will only have one for the total. Reconciliation will be easier if you keep the individual transactions out of checking. However, you want the individual transactions so you have spending guidance as you go along.

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