Offering Pay to Screen Share and help me learn this software

Hi!

 

I can offer $30 / hour to screen share with me and walk me through this software. I have read help articles, but simply learn best talking to a someone real time and one on one. (YNAB does not offer this). 

I'd like to talk to an expert on YNAB to just ask questions. Here are some:

1. I'm subletting my apartment, but the rent is lower. How do I reconcile the difference for 9 months? I'm home for winter break so not paying rent for half of December and half of January. I get occasional grants or fellowships that either fund travel and research, or, are reimbursements I file later. How does that work into my budget? 

2. What do I do about refunds from stores that clear after a budgeting period?

3. I don't understand goals. I would like to save for vacation, for instance, but don't get how saying I'll save $100 / month accomplishes anything at all. 

4. I also invest sporadically and don't get how to budget for that.

5. How does YNAB work with Acorns (automatically round ups for spare change and invests)

Basically, I want to do the envelope technique (apportioning my stipend into designated categories), but digitally.

I'm at [email protected]. Thanks!

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  • Just sent you an email 馃榾

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  • 1) Budget for the rent amount you are actually going to pay. If the money is passing through you and you are paying the full amount, record the payment from the sub-lessee as income.

    2)Categorize a refund back to the original purchase category. Then you can leave the money in the category or move it around in your budget.

    3) I don't find goals useful. Some people use them as a reminder, but they are not in any way motivational.

    4) Any money sent out of your budget is treated like spending. So you will need to budget for any money you send to investing accounts.

    5) Turn off any automated round-up "keep the change" type program. It's unnecessary and redundant and creates extra work. In YNAB you save money deliberately.
     

    Saved you $30/hr.

    Like 5
      • budgetlover
      • Real Estate Broker
      • Forest_Green_Keyboard.1
      • 1 yr ago
      • Reported - view

      nolesrule Good advice.  I disagree re: #5.  I also use Acorns and love it.  If you use a .edu email address you pay no management fee for 4 years (I will evaluate whether to keep or not after that point-probably not).  I end up saving about $30/month just through dollar roundups and I never feel it once.  What's the negative?  It's like a virtual jar of change on the dresser, only it gets invested in the stock market instead of sitting on my dresser.   It also keeps me using cards for everything to A) get the roundup, and B) credit card points.  I used to pay cash or debit card for things because I didn't want to be hit with a big CC bill at the end of the month, but YNAB has given me so much control over tracking my spending that I have been able to put full monthly balance payments on automatic and never worry.  I have no plans to touch the Acorns balance. This is not my only or main investing, it's just a nice extra that grows with almost no participation on my part.  

      I budget for it by creating a budget category called Acorns.  I budget $30 to it every month (since this is about what it comes out to each month).  The roundups are not charged as they happen, but in a batch when they hit $5.  So you get individual Acorns charges from your checking account- you don't have to worry about rounding each transaction up. I'm a fan!

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      • nolesrule
      • YNAB4 Evangelist
      • nolesrule
      • 1 yr ago
      • 4
      • Reported - view

      budgetlover You're not saving money because of Acorns. You're just transferring it to a different account. You're saving the money when you budget it to your Acorns category. You could just as easily use that category for any other savings, or for sending to an investment account, without all the micro-transactions and the extra work that creates.

      Like 4
      • budgetlover
      • Real Estate Broker
      • Forest_Green_Keyboard.1
      • 1 yr ago
      • Reported - view

      nolesrule Different strokes! 

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      • Gray Rain
      • Gray_Rain.5
      • 1 yr ago
      • Reported - view

      nolesrule Thanks for the info! It was very good to have someone help me one-on-one. I think I will try goals. And she showed me how to budget for Acorns. 

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      • Gray Rain
      • Gray_Rain.5
      • 1 yr ago
      • Reported - view

      budgetlover yes this is what i'm going to do! thanks!

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  • Hi Gray Rain !

    We don't offer one-on-one meetings, but have you taken a look at our free, online workshops? They're taught by one of our educators, live! This means you're able to ask questions at the end. 

    Also, with your permission, support is able to take a look at your personal budget and walk through any questions you have via chat or email. :)

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      • Gray Rain
      • Gray_Rain.5
      • 1 yr ago
      • Reported - view

      Faness I think you SHOULD offer one-on-one meetings. It was more helpful than any other online workshop I've participated in.

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