What else can YNAB do, even besides money?
I'm thinking of what else can I do with those extra (and free) budgets I can create. Bring on the ideas:
1. A Christmas budget where the income is my Christmas savings and the categories are people. I'd have to record spending in my main budget and then in the Christmas one, that's a downside.
2. A community group or school club, or side business to record income and expenses.
3. Dieting: I'd load the budget with calories for the day and budget them out to sweets, bread, protein, etc. as categories. Then I'd have to record eating (spending) for the day and see how I did. Maybe adding exercise as extra calories for the day, haven't really worked it all out.
4. Special home remodeling project to track hours and not money. This might be like a contractors punch list of items to complete as the categories, and then the income would be the time you have this weekend, where are you going to spend it.
I've used separate budgets for major projects a few times, and can absolutely see using it for a business or club to keep those finances straight.
I don't think I'd be any good at using it for dieting, but then my self-control level is questionable at best, so I operate my "diet" such as it is, by declaring candy and desserts off limits, but all other eating and drinking is fair game. I don't actually know if I'm losing any weight this way, but I feel a little bit better. Whether it's actually a physiological change, or a placebo effect is also questionable. - wow, I bunny trailed hardcore there....
Basically it can be used to track any limited resource though. I've heard of one person trying to budget their free time. I think that would be one of the hardest things though, because you can't save time from one day to use the next.
I use a separate budget to keep track of how much I'm spending for about a dozen business related annual and monthly subscriptions. It's easier to view the categories in separate budget, though they're also in my main budget. But I've often wondered if I should be keeping a separate checking and credit card account for my freelance business.