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YNAB is seriously amazing. I started using it near the end of November, and it's really helped stop frivolous spending and allowed me to get an overview of my financial situation. Even when I do want to buy something "extra," I just make sure I've budgeted accordingly. I'm currently focusing on saving up for an all-encompassing emergency fund, but over the next few months I hope to build up a 1-month buffer as well.
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Jan 2, 2014 05:28
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| # ¿ Apr 27, 2024 20:46 |
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My student loans enter repayment in March, so I'm trying to figure out how to handle them in YNAB. I have two loans, currently listed as off-budget accounts. How do I go about budgeting/paying for these in YNAB, and how do I account for interest accrued, and payments toward principal/interest? I'm thinking of making a 'Debt' master category, but don't really know where to go from there. I figure I should budget the minimum payments, but I'm going to be paying over the minimums aggressively, and the accounts are off-budget... Grouco fucked around with this message at 06:44 on Jan 8, 2014 |
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Jan 8, 2014 06:41
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Thanks, I think I'll try to come up with a combination of spinst and 100 HOGS AGREE, since I'd like to track the overpayments.
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Jan 8, 2014 19:09
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Does anyone have suggestions on how to handle splitting a dinner bill? I have a 'Restaurants' sub-category in a 'Luxuries' master. Say I go out for dinner, and it costs $60 total. I'll end up putting $60 on my CC, while my date/friend gives me $30 cash. So far I've just been listing $60 as a Restaurant outflow, and then counting the $30 as new income for the month. Is there a better way to do this? Maybe with split transactions or something?
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Mar 5, 2014 22:07
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Great, that seems like the way to go. Thanks!
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Mar 5, 2014 22:22
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I get paid on the 15th and 30th/31st of every month. I can budget my entire month with one of my semi-monthly paycheques, so I just fill everything out for the following month on the 31st. The paycheque I get on the following 15th gets dumped into either savings or debt repayment categories. I have a $5k category called 'Debt Repellent,' which is my emergency fund, though I also have categories built up with money categorized for 'Medical,' 'Car Maintenance,' etc. I'm not sure if this is doing Rule 4 correctly, but it's working for me...
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Jun 2, 2014 03:08
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I forgot about a refer-a-friend promotion on my credit card, and noticed a $100 credit was posted this morning. How should I handle this in YNAB? Just a $100 inflow to my CC as income available for August?
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Aug 1, 2014 18:07
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I get paid on the 15th and 30th/31st, but I enter the 30th/31st payment as the 1st of the next month. For example, the money deposited on Jul 31st was entered into YNAB on August 1st as Income for September, which I then budget.
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Aug 6, 2014 06:12
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I have a "Cash" account, which I'll just transfer into from my chequing. I do track cash spending (groceries, household goods, alcohol, etc.) because I'm anal like that.
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Feb 5, 2015 20:02
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| # ¿ Apr 27, 2024 20:46 |
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- no multi-month - inadequate Info/PerSec procedure disclosure - inability to carry forward negative balances - SaaS model susceptible to fx fluctuations - no reporting remind me again why I should try this "upgrade?
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Jan 2, 2016 00:26
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