Breaking the YNAB Addiction

Hey all you awesome YNAB users... .

How do you all break the YNAB addiction; rather the constant daily, nay, the 4 hour checks on your Budget and Accounts to make sure nothing changed, or if it did, to get it back up to par? 

 

I fear I am WAY to addicted and I find myself staring at it until I can find something I can tweak! Does it ever stop?

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  • No. 😄

    Like 6
  • Hi Dannis !

    I love this question. I think the constant urge to check and update slowly becomes less severe, but keeping your budget up to date and knowing your categories inside and out is the best way to stay in tune with your spending. It sounds like you're taking to YNAB like a fish to water and results are sure to follow. :)

    Like 4
    • Faness I am close to 3 years on YNAB and it hasn't slowed down for me. When does it kick in? :-D

      Like 2
    • Ruff16965 (05bd62cee897) For some, it never does. But, fear not, you're in Great company! ;)

      Like
  • So it's not just me? 😉I do find myself checking it several times a day. However I have learned from past history if I don't, then I overspend, then I don't want to check it at all because 🙉🙊🙈 (I need an ostrich with his head in the sand emoji)

    Like 5
  • It's been 6 months for me and I'm still obsessed 🙄

    Like 1
  • Almost 2 years in and while I'm not in there multiple times every day these days, there are times when I open my budget just to look at it. 😁

    Like 8
      • PhysicsGal
      • Nerdy female homo sapien
      • physicsgal
      • 8 mths ago
      • 2
      • Reported - view

      Vibrant It’s so pretty isn't it?

      Like 2
    • PhysicsGal I've recently taken to adding emojis to my category names (I have no idea why I've waited so long), but yes, very pretty indeed. 😆

      Like
  • Have kids, then you'll be too distracted to look at your budget.

    Like 1
      • Dannis
      • Dannis_Annis
      • 10 mths ago
      • 3
      • Reported - view

      briefcase  I have 5 kids with a 6th on the way. All under 9.  ;)

      Like 3
    • Dannis Ouch! I thought I was in trouble with only 4 kids.

      Like
      • lindsay_g
      • Beige_Banjo.3
      • 9 mths ago
      • 4
      • Reported - view

      KnitPurlKnit I set up a budget for my kid so now we can look at both our budgets... 😂

      Like 4
  • The first three months I was checking multiple times a day. By month six, it was less. Now at almost month 11, I check once or twice a day and sometimes skip a day. The desire to constantly check seems to go down as my budget has become more controlled and predictable. I'll still get an occasional pang of budget anxiety and will have to go look through everything but that is one of the true great powers & joy of YNAB; I quickly am comforted by seeing my budget in control and on-track. It has greatly reduced stress in my life. Love YNAB for this reason!!

    Like 5
  • I would no more skip checking my budget than I would skip brushing my teeth; it's now a daily habit that keeps my teeth goals flossed and my gums accounts healthy. 🙂

    Like 5
  • Basically in line with what everyone else is saying - I was checking constantly when I started, but as my budget became more controlled and I became less worried about not having enough money for x, y, or z, I started checking less frequently. 

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  • I am celebrating 10 years of using YNAB this year. I've been on and off the YNAB addiction, but found it more useful to turn the addiction into other aspects of my life to continue making a difference past what YNAB already did for my finances. I've read up on financial independence,  minimalism, how to develop good habits, nutrition/exercise etc. YNAB made me realise that keeping track of (x) with a software keeps me alert, aware and accountable. All this has had tremendously positive effect on several aspects of my life, and this has also helped me reduce unnecessary spending. For instance having an (not complete by any means) home inventory list reduces my urge to buy new stuff. 

    Like 8
  • Glad to hear I'm not the only one obsessed with this too! I sometimes have to laugh at myself when, after checking for the umpteenth time in a day (OK: hour), I realize that NOTHING has changed!

    Like 2
  • Oh, recognision!!!!

    Me too. The checking too often, as well as laughing at myself. And this forum... 😳😩😂 And I tell myself it really is a good thing as I learned so much, thereby not having to give up. Don’t want to either, of course! But moderation really is my problem....

    more meditation. That’s what I always conclude. Not to be simplistic. But it helps me to keep things in balance in general.

    Like
  • The more complicated your workflow, the more you will want to check on the off chance you'll notice you made a mistake. For example, trying to match category subsets to particular checks, you might be worried that you "left out" a category.

    Simplifying the process to do the same thing with every check would likely reduce this anxiety. For example, if you get two equal checks per month, you budget half of each bill/expense from each check. When paid, you just go down the list in order (previously sorted by priority makes this easy), incrementing each category's budget value. With suitable choices of goals/scheduled transactions, the second check can be budgeted with a single click, saving time and reducing the chance for error.

    Being able to budget the entire month at once further simplifies this, though not everyone is able to do this right away. However, if you have an emergency fund, I'd say it's worth it to use those funds to allow you to push all income into next month. That yields concrete benefits NOW and can always be pulled back if you do have an emergency.

    All that said, being "engaged" is a useful thing. Even with process simplifications, your focus will switch to the bigger picture. The mechanics become easy, but assessing priorities and adapting to "life happens" moments never stop.

    Like 5
  • It's real. It helped me to physically write down in a planner/journal, "It's OK to check every few days. Don't obsess. You're doing well." I also try to leave it in good shape before I go out of town, and typically ignore it until I get home.

    Like 1
  • I had an interesting experience this Christmas season. I stopped approving transactions for almost 3 weeks in order to avoid ruining Christmas present surprises. It was pretty easy for the first week, just a little bit worse in week two, then a bit stressful in the third week. Seeing 87 pending transactions gave me a big jolt of anxiety when I went to update after Christmas but I quickly cleared them (with no damage to the budget as I am a month ahead) and went back to a normal schedule. I feel I can now routinely go 2-3 days between clearing transactions and be ok.

    We still manually enter large or important transactions to keep the key budget categories current/correct.

    Like
  • I’m a little obsessed as well.  But parr of that is bc my budget was a bit too tight for comfort. I’m loosening things up and hoping it will help. 

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  • I've been using YNAB for about 10 years. I still update every day. Most times I'm in there multiple times a day. It's not as intense as it used to be, which is good, but I love being that focused and concerned about my finances. I will take that over to not caring and not knowing, any day. YNAB is the one addiction that I do NOT want a cure for. LOL

    Like 4
  • I feel the same way.  I just stared YNAB kinda as a 2020 resolution to get on top of my money.  Its only been a couple weeks but I find myself checking it a few times a day to see if there are any new transactions I can categorize or tweaks I can make.  I hope that by next month I will have a good handle on it all and only need to check in once or twice a week.  The videos by Nick True of MappedOutMoney on Youtube have been a great help.   As for now I'm enjoying it.  Kids spend all they're time on social media and I'm over here glued to YNAB.   

    Like 2
  • I log in each morning and approve any posted transactions that match my spending inputs from the day before and then categorize and approve purchases my fiance made without inputting them to the YNAB app. The other only time I check YNAB that day is before a purchase to be sure that spending category is funded. I generally remember fairly well what is left in each budget line item but most times it's nice to double check before swiping that card for the sanity factor LOL

    Like 1
  • No it doesn't

    Immediately returns to my budget, my precious budget.

    Like 2
    • ani1119 I couldn't find a good Lord of the Rings image, but it would have been perfect! **My Precious**

      Like 1
      • Purple Foal
      • Purple_Foal.3
      • 7 mths ago
      • 1
      • Reported - view

      Faness Most definitely!!

      Like 1
    • eloquentz
    • Numbers Wizard (Accountant), Acoustic Artist (Musician) and Jill of all Trades (Wife & Mother)
    • eloquentz
    • 7 mths ago
    • Reported - view

    I tend to only check once a day to import transactions, not usually on the weekends because nothing imports then. It's not like there is anything to "do" after I've assigned all my dollars jobs and haven't spent anything since I did that.

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