How to create a standard budget
Is there a way to create a standard budget that I'm missing? I want to create the exact same budget, month after month. The problem is that since I change budgets throughout any given month to 'wack a mole' everything is all out of wack by the next month. I can't just copy the budget over at that point, I need to set all categories manually to get how I want them. In YNAB 4, I would just take the current month and copy well into the future....I can't do that with nYNAB because of the future stealing problem.
I don't think you can do this in easily in nYNAB, but I also don't think you should.
In my experience with YNAB 4, if I did it like that with a "standard" budget copied into the future, I found out two months in that I had some misconceptions about my budget and needed to adjust it anyway, rinse and repeat. I find it important to ask yourself questions like "I've WAMed groceries for the last three months, am I lying to myself and should I really budget more towards that?" etc.
That being said, if you are really determined to do it like that, I'd add monthly funding goals to the categories that you know you can set in stone, then quick-budget for underfunded categories, automatically covering the goals you set.Reply
Creating a Budget Template (YNAB Blog post)
Budget Templates (YNAB Help Document)
There's also a Set Up Your Budget Workshop - during which the subject of template might come up.
I wouldn't establish the template too soon. As Peter points out, it can take some time before your category allocations are realistic and reasonable. A lot of us just included the target amount in the category name when we started -- Groceries $150 -- and this made it obvious but didn't get overly complicated with goals too soon.Reply
This has been requested by users since at least 2008, when YNAB Pro was the current version. It has never been implemented by YNAB in any version of the software.
You actually could copy a month ahead; just negative budget some category in the amount you have budgeted in total, to make next month a net zero budget. If you have a large e-fund, you could either negative budget that to make the month-forward template work, or you could create a deferred income category (manually re-creating Income for Next Month) to make that work.Reply
The Budget Template that currently exists in nYNAB seems way more complicated than what I'm looking for, which is just a simple pre-fill. It would be really nice to be able to start out each month with the basic vanilla budget that works for me.
Thanks Patzer , I think I could give that a try with the e-fund....I guess the main issue there is I won't have a true picture of that category in the current month. I guess I could use a fake income category and pull out of that in future months....gotta love the workarounds lol. My goal is to make my initial budgeting simpler so I can devote more attention to the finer points throughout the month.Reply
My goal is to make my initial budgeting simpler so I can devote more attention to the finer points throughout the month.
Could you expand on this idea a bit more? I think the solution might be in the question, but I want to make sure.Reply