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themaninblack fucked around with this message at 06:52 on Apr 30, 2016 |
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Jan 3, 2016 01:10
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Handsome Ralph posted:So long as 4 continues to work, I'll keep using it. And if it never gets a viable replacement and stops working, I'll just create an excel worksheet to keep budgeting. themaninblack posted:Since no one responded to my last post, is Quicken well regarded? Would it be the best alternative?
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Jan 3, 2016 01:18
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Handsome Ralph posted:
Thats not how the auto import of transactions works at all
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Jan 3, 2016 01:48
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Ludwig van Halen posted:Thats not how the auto import of transactions works at all OK, enlighten me then?
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Jan 3, 2016 02:59
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Handsome Ralph posted:OK, enlighten me then? I will devil's-advocate here as someone who was initially hesitant to "upgrade" due to auto-import. Like most of you, I hated the auto-import. It has only led to my ruin in the past. Inputting manually made me get a handle on it. Here's the thing though: you don't have to link your accounts on nYNAB. You can create any account you want without linking it. Proceed as normal. If you DO link accounts, you import your transactions, then you have to approve each one during reconciliation. It's not like it's auto-updating. You still have to look at each transaction and classify its budget category. As for my issues with nYNAB, I can't find a way to move accounts off budget. I don't particularly like having Savings on-budget like most folks. I don't see the point. Sure, the balance shows up in my available each month or whatever, but it's also in the accounts view. It makes no sense having to do anything other than making a budgeted transfer from my checking account to an off-budget savings account. Same thing with credit. I don't like having my credit cards on-budget. It makes slightly more sense than savings because it makes me keep track of things that are added to my card and categorize them as my budget, not just cheat money. I also didn't link any of my accounts due to security + why bother if the system was working for me previously. I also just bought YNAB4 but they gave me a year+ subscription credit. At the end of that, I'll either go back to YNAB 4 or pay the subscription if it's working.
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Jan 3, 2016 04:12
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I'd rather pay the subscription to keep YNAB4, to be honest. Certainly not jumping on their cloud based bandwagon in it's current state, I'll check again when my YNAB4 stuff starts breaking, I guess.
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Jan 3, 2016 09:52
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Handsome Ralph posted:OK, enlighten me then? With regards to bank statements, AFAICT, the difference between nYNAB and YNAB4 is... YNAB4 1. Enter transactions as they occur. 2. (optional) Occasionally go to bank website and download statement to catch missed transactions. 3. (optional) Import said statement into YNAB. 4. Reconcile to bank balance. nYNAB 1. Enter transactions as they occur. 2. (optional) Press "import from bank" to automatically get bank statement to catch missed transactions. 4. Reconcile to bank balance.
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Jan 3, 2016 18:57
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Reports are aimed for release at Q2/16.
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Jan 3, 2016 19:19
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So if what I currently have is considered YNAB 'Classic', am I going to have to switch over at some point to the subscription model, or can I keep YNAB 'Classic' in perpetuity?
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Jan 3, 2016 21:39
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Until it breaks due to some OS upgrade screwing it up. Could be months, could be years.
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Jan 3, 2016 21:53
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Tayter Swift posted:Until it breaks due to some OS upgrade screwing it up. Could be months, could be years. Ugh, that sucks. I really love YNAB's interface and philosophy, I just think it sucks to have to pay more when I already spent 60 bucks on it. Thanks for the information, though!
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Jan 3, 2016 23:00
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Does anyone have the most recent YNAB book before this update? My friend is trying to get up and running on 4 and I think it'd be a good place to start. The Learn section is all with the new software now.
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Jan 4, 2016 01:55
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Tayter Swift posted:Until it breaks due to some OS upgrade screwing it up. Could be months, could be years. They've committed to supporting it through the end of 2016 so "months" is not an accurate statement.
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Jan 4, 2016 03:31
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TraderStav posted:Does anyone have the most recent YNAB book before this update? My friend is trying to get up and running on 4 and I think it'd be a good place to start. The Learn section is all with the new software now. http://classic.youneedabudget.com
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Jan 4, 2016 06:19
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So my laptop was stolen with YNAB4 on it. Is there a way to sync from my phone to a comp over wifi? I'm afraid that if I do sync it, the desktop app will override my phone with blank data
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Jan 4, 2016 07:52
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Lanky Coconut Tree posted:So my laptop was stolen with YNAB4 on it. Is there a way to sync from my phone to a comp over wifi? I'm afraid that if I do sync it, the desktop app will override my phone with blank data You'll need to install YNAB4 on your new desktop device and import the budget file from the Dropbox folder. Your devices all sync from Dropbox. Now I'm kinda worried about the thief accessing YNAB and loving with your poo poo. I guess you can just change your Dropbox password though.
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Jan 4, 2016 08:06
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Beach Bum posted:You'll need to install YNAB4 on your new desktop device and import the budget file from the Dropbox folder. Your devices all sync from Dropbox. Yeah, I changed all my passwords immediately after that. Dropbox shouldn't accept any edits they make I hope. Thanks for that, I'll download my budget from Dbox.
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Jan 4, 2016 08:41
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Thermopyle posted:With regards to bank statements, AFAICT, the difference between nYNAB and YNAB4 is... Ah ok, that makes more sense. Still not something I'm looking for though, so I'll continue to stick with YNAB4.
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Jan 4, 2016 16:01
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Thanks!
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Jan 4, 2016 16:18
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Was wondering where the YNAB4 download went. I had just bought it and had only installed it on my Mac, but not my PC.
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Jan 4, 2016 16:58
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Ludwig van Halen posted:Was wondering where the YNAB4 download went. https://s3.amazonaws.com/cf.download/ynab4/YNAB+4_4.3.820_Setup.exe
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Jan 4, 2016 17:12
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Lanky Coconut Tree posted:Yeah, I changed all my passwords immediately after that. Dropbox shouldn't accept any edits they make I hope. Thanks for that, I'll download my budget from Dbox. IllegallySober posted:They've committed to supporting it through the end of 2016 so "months" is not an accurate statement.
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Jan 4, 2016 21:51
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SiGmA_X posted:Shouldn't you be safe with BitLocker and/or TrueCrypt? Me being an idiot, didn't bother with truecrypt as it was a very new laptop
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Jan 5, 2016 19:26
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Lanky Coconut Tree posted:Me being an idiot, didn't bother with truecrypt as it was a very new laptop
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Jan 6, 2016 17:46
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lol someone's so mad about the new ynab version they're starting a project to make an open source alternative. I love when this happens, I'm going to follow it and watch as it very likely peters out and goes nowhere.
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Jan 7, 2016 23:07
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100 HOGS AGREE posted:lol someone's so mad about the new ynab version they're starting a project to make an open source alternative. So a spreadsheet?
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Jan 8, 2016 00:41
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100 HOGS AGREE posted:lol someone's so mad about the new ynab version they're starting a project to make an open source alternative. --edit: Wait, I think I spotted the relevant thread in the personalfinance subreddit. Combat Pretzel fucked around with this message at 02:06 on Jan 8, 2016 |
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Jan 8, 2016 01:59
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Wasn't there a similar service that came out within the last year? I can't remember the name of it but everyone poo-poo'd it because it was an online subscription in an era of one-time-payment YNAB. My, how the times have changed 
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Jan 8, 2016 02:06
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It really wouldn't be that hard to recreate a basic YNAB4. Unfortunately I'm no Web programmer.
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Jan 8, 2016 02:29
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Combat Pretzel posted:Link/What's it called? For the rare case it may turn out something competent that I can selfhost. Can you give me a link? I can't find it.
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Jan 8, 2016 10:00
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Here. https://www.reddit.com/r/personalfinance/comments/3ytj3r/alternatives_to_ynab/cygktz8
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Jan 8, 2016 10:41
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100 HOGS AGREE posted:lol someone's so mad about the new ynab version they're starting a project to make an open source alternative.
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Jan 8, 2016 10:54
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I'm getting back into YNAB (classic) after not using it for about 6 months...I had a period of time where my finances were way out of whack (moved from an apartment to renting a room in a friend's house to save massive amount of money for a home down payment...bought said home, furnished and fixed it up a bit, etc...) so I decided rather than try to constantly tweak a budget every drat day I'd let things go till the new year, then look back at the last few months to get a good look at what my new budget should be. But now I'm unsure of how to do my mortgage and payment in YNAB. I guess inputting it as an off-budget account is easy enough, but the payments are tricky. I'm doing an escrow account for my taxes and home owner's insurance. So should I create a second off-budget account for that, and then when I make the mortgage payment, make it a split transaction with the right amount going towards mortgage and the rest towards the escrow? And then when the bank pays those and shores up my account, just make whatever adjustments I need? Edit: V V V I had thought about that, but I like the idea of a separate account so that way, if the bank didn't estimate right and I have over/under payed, it's easy to just mark it as a transfer to the "fake" escrow account. Double edit: Aww crap, I realized it's even more complicated than that...I can't just do a transfer of the amount minus the escrow, because a good chunk of the payment is the interest...so I think the easiest thing is don't bother trying to figure out transfers, just make it a single transaction, make the payee something like "Mortgage" or "Bank" for the full amount, and then just once a month manually reconcile the mortgage balance. DrBouvenstein fucked around with this message at 16:25 on Jan 8, 2016 |
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Jan 8, 2016 14:53
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That's probably how I'm going to do it once I close on this house later this month. Alternatively you could just make the escrow payments an outflow and not bother tracking them in a separate account.
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Jan 8, 2016 15:23
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DrBouvenstein posted:Double edit: Aww crap, I realized it's even more complicated than that...I can't just do a transfer of the amount minus the escrow, because a good chunk of the payment is the interest...so I think the easiest thing is don't bother trying to figure out transfers, just make it a single transaction, make the payee something like "Mortgage" or "Bank" for the full amount, and then just once a month manually reconcile the mortgage balance. I assume this is so you can have an accurate-ish "Net Worth" number? I don't particularly care about net worth, so all of my stuff is an outflow, mortgage included.
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Jan 8, 2016 18:13
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Yea, the only reason to keep you mortgage balance as an account is if you want the net worth figure to factor it in. I have my mortgage balance as an off budget acct, but simply alter the starting balance every month to reflect it's current value. This seemed way easier to me than trying to accurately setup a transfer that factored in interest and escrow every month. With this setup my mortgage payment from the budget side of things is simply an outflow.
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Jan 8, 2016 18:23
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Just got my first paycheck of the year  But next months money doesn't exist. I just have $x to budget. But if I do next months budget, I'll be one paycheck in the red. How the hell are you supposed to do rule 4 now?? E: if you do a quick budget while you have an outstanding balance on a credit card, it'll copy that over to the next month and just gently caress everything up. "If you pay 207.74, your account balance will be +103.87" Uhhhh thanks nYNAB? Sockser fucked around with this message at 00:25 on Jan 9, 2016 |
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Jan 9, 2016 00:18
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You put your next paycheck you get this month into next month if all your bills are paid for this month. Once you actually receive it of course. Slowly but surely you'll hit step 4. More like a step 3.5 as you wait to fill an entire month ahead
George H.W. Cunt fucked around with this message at 01:37 on Jan 9, 2016 |
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Jan 9, 2016 01:15
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Sockser posted:Just got my first paycheck of the year Keep putting some excess into an emergency fund, and a slush fund.
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Jan 9, 2016 02:05
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TheCenturion posted:You put some excess every cheque into a buffer category. One you have enough, you unbudget all that buffer and use it to budget your bills. Then your paycheques get input as income for next month. Instead of buffer categorying, at least with my regular expenses I've been working on building them up to have an available balance in those categories at the end of the month. That way, when the category is "fully funded" at the end of the month, I'll know I'm budgeting a month ahead and can start using some of the "profit" to save. First I'm just trying to get to a point where I can fund my large monthly payments (rent, car, etc) over the course of the month instead of blowing a whole paycheck. Seems safer somehow.
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Jan 9, 2016 17:32
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