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YNAB4 for life. I have none of these problems.
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Mar 31, 2017 23:55
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IllegallySober posted:YNAB4 for life. I have none of these problems. I'm seriously considering switching back to it. My god.
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Mar 31, 2017 23:56
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Is there still fear of YNAB4 quitting out on us once the Dropbox API changes? Or did that already switch over and everything is fine? I haven't really kept up with that, I've just hoped that it would either all blow over or the Financier.io guy would be up to feature parity by the time dropbox breaks things.
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Apr 1, 2017 00:26
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TraderStav posted:Yes, set them up as a checking account. The importing will still work the same. See my post ahead of yours, I think converting mine may have caused an issue. But absolutely can get away from that mess by setting them up as checking. Do I have to remove / re-add them or can I change the account type after the fact?
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Apr 1, 2017 00:49
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Teeter posted:Is there still fear of YNAB4 quitting out on us once the Dropbox API changes? Or did that already switch over and everything is fine? If they have already switched over, it still works fine for me.
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Apr 1, 2017 01:06
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Potato Salad posted:Do I have to remove / re-add them or can I change the account type after the fact? You have to remove them. Best thing to do is to pay everything off so account is at zero and then close them. Then reopen as checking.
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Apr 1, 2017 01:52
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I may just buy quicken.
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Apr 1, 2017 17:04
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No Butt Stuff posted:I may just buy quicken. I'm playing around with the 7 day trial of Financier. I'm very interested. Looks like YNAB4 in the cloud. They're still adding features. Glad to see that scheduled/recurring transactions moved to the "In Progress" board on their Trello. They're also working on a mobile app. I need to play around to see what other things I'm missing but if those two get in soon I may have all I'd need to replace nYNAB. I can go without automatic importing from banks, despite how nice it is to catch random transactions if I don't check an account online for a while.
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Apr 1, 2017 17:07
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IllegallySober posted:YNAB4 for life. I have none of these problems. To be fair I've only ever used nYNAB and I have my credit card accounts set up and working without no issue, the credit card account system makes perfect sense to me, idk.
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Apr 1, 2017 22:34
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No Butt Stuff posted:I may just buy quicken. Quicken sucks and their support is terrible and if I knew of any software that would auto-sync my accounts I'd switch in a heartbeat, especially if the autosyncing actually was accurate
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Apr 2, 2017 03:35
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TraderStav posted:You have to remove them. Best thing to do is to pay everything off so account is at zero and then close them. Then reopen as checking. I just created a new checking type account for each of my CC's, clicked on all transactions on each CC, hit Move to the new checking type account, then deleted the old account. Seemed to work fine.
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Apr 2, 2017 03:45
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Steampunk Hitler posted:I just created a new checking type account for each of my CC's, clicked on all transactions on each CC, hit Move to the new checking type account, then deleted the old account. Seemed to work fine. FFS I'm an idiot and that would have worked so much better. e: Went back and just did this, worked beautifully. Had to go back and move some older month budgeting around when the actual overspending took place (thanks nYNAB for hiding that poo poo) but now I have perfect +$0.00 to budget going all the way back to the beginning of this fresh start and NO MORE CREDIT CARD CATEGORIES. TraderStav fucked around with this message at 05:10 on Apr 2, 2017 |
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Apr 2, 2017 04:47
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I haven't had any major problems with the credit card stuff other than getting used to it being different than the way 4 does it. I don't ever budget to the credit card line in the budget though, seems like that screws things up.
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Apr 2, 2017 12:56
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myron cope posted:I haven't had any major problems with the credit card stuff other than getting used to it being different than the way 4 does it. I don't ever budget to the credit card line in the budget though, seems like that screws things up. I never changed those numbers either but SOME, not all, refunds or cash backs will throw things off kilter and that's what happened to me. It's a big black box that's impossible to troubleshoot. I see no upside to using their method of budgeting credit cards and not just setting them up as checking accounts.
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Apr 2, 2017 13:35
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Yes the biggest source of confusion with credit cards is rewards. Refunds are straightforward IF you assign the refund back to the same category as the original purchase. But if you have a Credit Card Reward, it gets very counterintuitive. This guy explains it best:quote:Here's an example with basic numbers: I'm still trying to figure out the best way to handle this so I don't have to manually go in and substract my rewards in step 3.. EDIT: I think I just figured out my solution - I have to put my credit card reward as an inflow to some other category besides TBB. For me, I have a Next Month category where I put all income from the current month and empty it out on the start of the next month (this prevents weird borrowing from the future if you start budgetting the next month). But I imagine you could create a Credit Card Rewards category somewhere if you wanted - when you assign the rewards to a non TBB category, the amount goes into there and your cc debt decreases.. it looks like everything checks out. FateFree fucked around with this message at 14:39 on Apr 7, 2017 |
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Apr 7, 2017 14:31
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FateFree posted:Yes the biggest source of confusion with credit cards is rewards. Refunds are straightforward IF you assign the refund back to the same category as the original purchase. But if you have a Credit Card Reward, it gets very counterintuitive. This guy explains it best: Financier does a nice job of this by allowing you to just call everything "income for April." You realize the reward as income in the month you apply it, at least for the cash back cards I utilize.
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Apr 7, 2017 14:39
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EAT FASTER!!!!!! posted:Financier does a nice job of this by allowing you to just call everything "income for April." You realize the reward as income in the month you apply it, at least for the cash back cards I utilize. Wow that was exactly what I was writing.
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Apr 7, 2017 14:40
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FateFree posted:Wow that was exactly what I was writing. Yeah, it's elegant because unlike expenses (this actually sounds kind of stupid as I'm writing it) I don't 100% know where "income" is going to come from. I'm occasionally given gifts, I occasionally sell an old piece of furniture, I get some amount of interest on our checking account, I sometimes collect some credit card rewards and our bonus and deductions float a little bit month to month so Financier lets you just put it in a big ole bucket and treat it as all the same for allocation.
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Apr 7, 2017 14:44
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That's how YNAB4 used to work, I miss the Income for the next month feature. I also have all of my income go into an income category and 'release' it for the month that I'm budgeting. Throws off all reporting in nYNAB but I do an export of the data anyway to consolidate all of the years of tracking that I have so I'm not worried about that.
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Apr 7, 2017 15:16
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EAT FASTER!!!!!! posted:Yeah, it's elegant because unlike expenses (this actually sounds kind of stupid as I'm writing it) I don't 100% know where "income" is going to come from. I'm occasionally given gifts, I occasionally sell an old piece of furniture, I get some amount of interest on our checking account, I sometimes collect some credit card rewards and our bonus and deductions float a little bit month to month so Financier lets you just put it in a big ole bucket and treat it as all the same for allocation. I miss this so much in nYAB, I hope Financier gets a decent mobile experience and then I can just ditch nYAB.
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Apr 8, 2017 17:10
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The only thing I genuinely like from nYNAB is the import function. Everything else seems like a downgrade and their system for credit cards is weird as hell.
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Apr 9, 2017 16:46
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Bread Set Jettison posted:The only thing I genuinely like from nYNAB is the import function. Everything else seems like a downgrade and their system for credit cards is weird as hell. Also syncing without Dropbox
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Apr 9, 2017 18:19
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Thanks to ynab I realized that act blue was charging me weekly donations to jon ossoff. I mean I support the guy but I put a stop to that auto pay right quick
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Apr 9, 2017 22:48
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I am likely to have $100 left over in my Red Text Avatars budget this month. Will that rollover to the next month in nYNAB? Similarly, I pay for Bad Movie Streaming Service every three months. It costs $30 every three months, so I'd like to budget $10 / month to it. If I budget $10/month for Bad Movie Streaming Service, would I have the $30 needed to pay the subscription fee by month three? I know I could wait and find out how nYNAB behaves here, but I'd rather get things sorted out now.
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Apr 10, 2017 15:16
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Yes it rolls over.
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Apr 10, 2017 15:25
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Yes, that's one of the things I really like about YNAB is that you can chip in a little each month toward larger goals. The old YNAB had an option to carry over a negative balance and not force you to budget for it in the month you spent it. This is useful when you have solid cash reserves and KNOW that money is coming back to you (a return you haven't made yet, an expense report you put on a personal card, etc) but they removed that from nYNAB. If you have a negative balance you have to use your current month budget to close it or it'll come out of the next month's available funds to budget. Or just put in a transaction at the end of the month showing the inflow and remember to clear that when the cash comes in. I do that with my expenses from work. It sucks, but not the end of the world.
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Apr 10, 2017 16:03
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I liked negative balances rolling over for instances of like, I've got $100 budgeted for hitting bars and I've spent $95 already this month, but my friends are going out. I'll go out, spend $15, and borrow from next months drinking budget, so when I budget $100 for next month, it'll only give me an effective $90 With nYNAB, that will remove $10 from my overall budget the next month and I'll need to manually remove that $10 from some category budget which, thanks to me being a weak willed garbage person usually ends up coming out of my extra savings categories before it comes out of fun categories. Or, more likely, I'll look at my budget, it's the 29th, say gently caress it, and just move that transaction manually into next month
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Apr 10, 2017 16:07
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A few weeks ago I accidentally double-paid an installment of a loan--since the second payment was within the new statement period and I had the money to spare it was fine, but it would have been annoying to record it if I didn't still have YNAB4 to carry over the balance. I usually feel like it's cheating and make a point of rebalancing if I go even a few dollars over in a category, but I think we should be able to judge that for ourselves.
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Apr 14, 2017 17:32
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Nynab is definitely not for me. I definitely use ynab "wrong". I'm onto rule four, and since I do everything on credit credit card, I will frequently drop categories into the red knowing that I have enough in reserve to cover the bill when it comes due. Then when I do my next month's budget just balance everything back out.
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Apr 15, 2017 17:48
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Demon_Corsair posted:Nynab is definitely not for me. I definitely use ynab "wrong". I'm onto rule four, and since I do everything on credit credit card, I will frequently drop categories into the red knowing that I have enough in reserve to cover the bill when it comes due. Then when I do my next month's budget just balance everything back out. You should be assigning cash that you have 'in reserve' to whichever category your credit card is purchasing from, that amount available will then automatically go to your credit card category when you mark the transaction as coming from your credit card account, this will drop your credit card's balance in the red (it's debt, after all) but you should have enough to pay it off in your "Credit" category.
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Apr 15, 2017 18:17
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I haven't used nynab but this all sounds really convoluted for something that should be really simple.
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Apr 15, 2017 22:04
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BAE OF PIGS posted:I haven't used nynab but this all sounds really convoluted for something that should be really simple. It's really not all that complicated.
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Apr 15, 2017 22:52
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I miss being able to split categories and have it automatically figure out how to split up the taxes.
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Apr 15, 2017 22:58
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Fano posted:It's really not all that complicated. it works perfectly if you dehumanize yourself and face to ynab if you try to fight the method it becomes awful
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Apr 16, 2017 17:10
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Do you also try to peddle bicycles with your hands, then complain how horribly they work unless you use as intended, so dehumanizing, like it's the master telling you, a human being with agency and free will, what to do?
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Apr 17, 2017 12:54
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Counterpoint: if it ain't broke don't fix it
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Apr 17, 2017 13:14
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TheCenturion posted:Do you also try to peddle bicycles with your hands, then complain how horribly they work unless you use as intended, so dehumanizing, like it's the master telling you, a human being with agency and free will, what to do? I did, in fact, once sell a bicycle with my hands, no intermediaries involved with the transaction.
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Apr 17, 2017 14:24
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TheCenturion posted:Do you also try to peddle bicycles with your hands, then complain how horribly they work unless you use as intended, so dehumanizing, like it's the master telling you, a human being with agency and free will, what to do? This is stupid. The functionality clearly leaves something to be desired because it straight up doesn't work sometimes.
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Apr 17, 2017 14:30
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Potato Salad posted:I did, in fact, once sell a bicycle with my hands, no intermediaries involved with the transaction. This is delightful.
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Apr 17, 2017 14:32
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Potato Salad posted:I did, in fact, once sell a bicycle with my hands, no intermediaries involved with the transaction. Argh. S/peddle/pedal. Dammit. The point still stands. That said, I still use ynab 4 due to preferring the workflow and what not. But I don't bitch when the software works as envisioned. If you want your own free form budget that works how you want, when you want, use a spreadsheet b
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Apr 17, 2017 14:37
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