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TheCenturion posted:Create two budgets. Transfers out of the one are treated like payments to third parties. Transfers into the other are treated like random income from third parties. That's what I did, but I ended up with this:  I guess the real problem is that I budgeted €10k - which is much more than my net monthly income - all at once, instead of accumulating money in that category over several months. I feel like an idiot, but I'm having trouble wrapping my head around how to properly account for spending out of my savings rather than out of my monthly income.
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Jan 7, 2019 08:17
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You shouldn't ever end up like that, because a negative value in your budget means you physically spend money you didn't have. You must always be at $0 on your budget. If the savings were on budget you just pull it out of the category back into the active budget/float which you brings you into positive to redistribute to wherever. If the savings were in an off budget account within YNAB, add it as income into your budget and adjust the off budget account. If the savings were somewhere else that you don't maintain in this YNAB budget you just add it as income.
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Jan 7, 2019 08:32
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For new people to ynab, are people using the subscription service? I'm thinking of changing from Excel but it looks like ynab is a subscription service now.
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Jan 7, 2019 11:46
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The Clowning posted:That's what I did, but I ended up with this: Ok, you budgeted +ten grand in “us investment.” Do you have a matching -ten grand somewhere? Like, if you’re transferring from “general savings” to “us investment,” you budget negative amount to general saving, making the funds available, then budget positive to “us investment.” Transfer the money, then enter an outflow in that budget, and match it to the bank entry. In other words, you budgeted ten grand twice.
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Jan 7, 2019 14:10
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Residency Evil posted:For new people to ynab, are people using the subscription service? I'm thinking of changing from Excel but it looks like ynab is a subscription service now. Yeah. I like it. Eye-opening to see how much we’re really spending on dumb poo poo. I need to get better at using it to cut down on spending. Right now when I go over in a category I just take money out of some big category I’m using to save for whatever and don’t really feel it. Kind of defeats the purpose I think.
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Jan 7, 2019 16:19
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Re: dual country budgeting: I've been doing it for about 6 months now and here's my takeaways: I started out with two separate distinct budgets for each currency, which worked fine as long I was basically almost not touching most of the money in one of them. Nowadays I have frequent transactions on both which led me to not have a big picture view of my spending, ie: I would use both my US and local credit cards to pay for groceries in my home country and end up having to mentally stitch together both budgets. I also have income from both countries now, so again I was getting an incomplete picture of my daily finances by keeping two budgets. My "solution" ended up being this: 1. Choose a main currency, it should probably be the one where you have your primary residence, source of income and most of your expenditures. 2. Create a budget that has only your checking/cash accounts and credit cards for both countries. 3. Go to ynab.rmillan.com and use that to automatically convert transactions from your foreign accounts into the local currency. The site will do this once a day. 4. One of your issues will be that any money in your foreign checking account will show up as "available" but in reality you won't easily be able to use that to pay for all local expenditures (ie: it's no good for me to have $1000 available for budgeting if I can't use it to pay rent). You will need budget that money in to foreign expenditures only, or it might be easier to just budget all of that into foreign credit card payments, like I do. 5. Savings accounts should be set up as tracking accounts. There is no "clean" way to handle inflows from them, but in theory you should want to know how often you're having to dip into savings anyways. You will 100% have to develop your own tricks to deal with your particular situations, but eventually it will be "good enough" which is as much as you can hope for.
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Jan 7, 2019 17:35
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Residency Evil posted:For new people to ynab, are people using the subscription service? I'm thinking of changing from Excel but it looks like ynab is a subscription service now. Yup, it's good. Sucks to be a subscription model, but I pay it yearly, and I had a % discount from having YNAB4, so it isn't terrible. It's nice being able to pull it open in a web browser instead of having to install a standalone app. Protip: If you pay your CCs off every month, save yourself endless headaches and set those accounts up as checking accounts and not CC accounts. Trust me.
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Jan 7, 2019 17:44
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I’ve seen a lot of griping over CCs but so far so good for me. I enter transactions in their respective CC account and specify which category the purchase is going toward. When I pay my cc it’s just an “inflow” transaction to that CC account (which records as an outflow from my checking account obviously).
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Jan 7, 2019 17:50
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Yeah, I have no issues with credit cards either. I have the discount as well and pay yearly and am fine with it. Browser based makes way more sense for me vs running the program on one computer. I don't sync accounts and enter stuff automatically. It works. Worth $45/year for me.
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Jan 7, 2019 18:17
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Henrik Zetterberg posted:Protip: If you pay your CCs off every month, save yourself endless headaches and set those accounts up as checking accounts and not CC accounts. Trust me. AndrewP posted:I’ve seen a lot of griping over CCs but so far so good for me. I enter transactions in their respective CC account and specify which category the purchase is going toward. When I pay my cc it’s just an “inflow” transaction to that CC account (which records as an outflow from my checking account obviously). I'm going to try and convert the Amex charge card over to checking first to see that works better since they have to be paid off.
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Jan 7, 2019 18:18
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Ive been on nYNAB so long I’d forgotten about the multi-month view and now I really want it back
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Jan 8, 2019 17:28
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Fuckin same.
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Jan 8, 2019 18:09
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Thanks for the tips! I've set up fresh EUR and USD budgets and am looking forward to using YNAB again.
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Jan 8, 2019 18:57
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After all this time, there's still no Spending by Payee report in nYNAB. Nor any other big features came after reports. Hell, I wish you could save views in the report module, so that I don't always have to (un)check tons of categories to get certain answers and scenarios. I requested it like two years ago, but here we are.
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Jan 8, 2019 21:04
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I think you can do this in the YNAB toolkit. Not that I don't think this should be an official feature, but it is possible.
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Jan 8, 2019 21:25
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I'm an obsessive nerd so I dump my YNAB register to a Google Doc where I have a complicated nest of spreadsheets that produce the reports I actually want to see.
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Jan 8, 2019 21:34
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I tried nYNAB and got so frustrated I stopped entirely for a while. Then I tried Budgetwise and I'm not a fan of the interface - although I can't quite put my finger on what it is. Now in january I reinstalled YNAB classic again.
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Jan 8, 2019 22:02
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^^^ Too bad I have too much data in nYNAB for moving easily. I'm wanting to reorganize my master categories, but would prefer to do this on a copy of the budget. Turns out that people have been asking for at least 1.5 years for a copy budget function, and was announced to be on the list over at YNAB at least 9 months ago. What do these chucklefucks actually do?
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Jan 12, 2019 22:14
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Combat Pretzel posted:^^^ Too bad I have too much data in nYNAB for moving easily. Can't you use the Fresh Start option to create a copy of your budget?
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Jan 13, 2019 05:19
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Fresh Start deletes all your transactions which is real dumb.
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Jan 13, 2019 05:38
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I know but it copies your old budget. Maybe you can fresh start, open the copy, fresh start again and have two copies.
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Jan 13, 2019 12:07
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FateFree posted:I know but it copies your old budget. Maybe you can fresh start, open the copy, fresh start again and have two copies. I'm interested to hear if that works. I understood that the copy would be the new one and not duplicating the original.
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Jan 13, 2019 14:53
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FateFree posted:I know but it copies your old budget. Maybe you can fresh start, open the copy, fresh start again and have two copies. Yeah but what he wants is to gently caress around with his existing budget, including transactions. I wanted to do this when I wanted to recategorize a bunch of stuff that normally just went to Inflow but I was afraid it would mess with my balances. If you’re minimally comfortable with Excel it’s “easier” to export your budget into CSV, apply a filter that spits out your individual accounts and then manually reimport them into a fresh start.
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Jan 13, 2019 16:57
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Nevermind guys, I just tried it and it didn't work.
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Jan 13, 2019 18:35
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I’ve got a friend who wants to start budgeting seriously so I was turning her on to Financier, then I discovered she doesn’t have a computer or tablet, just a phone. That presents a few problems, notably that financier is unusable on a phone so it’s out. Also I would prefer an app that can sync from her Wells Fargo and citi accounts since it will be difficult for her to add transactions if they’re not done in real time. It’s awful to go back and forth to log things in. We went through a few apps and landed on EveryDollar which seems good, and it does sync so we’ll probably try that. Any better ones out there?
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Feb 8, 2019 00:10
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New YNAB lets you do all the normal budget management solely on the phone. As opposed to the old one which was just checking budget and adding transactions. Or are you explicitly asking for something that isn't YNAB?
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Feb 8, 2019 02:07
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Xik posted:New YNAB lets you do all the normal budget management solely on the phone. As opposed to the old one which was just checking budget and adding transactions. Oh I didn’t know that, I thought I red a page back or so that the phone app only allowed for logging transactions.
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Feb 8, 2019 05:48
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StormDrain posted:Oh I didn’t know that, I thought I red a page back or so that the phone app only allowed for logging transactions. The discussion may have been about the old ynab app (for ynab 4/desktop which a bunch of us are still using). That one is just enter transactions basically and syncs via dropbox. The new one: 
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Feb 8, 2019 06:05
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StormDrain posted:Oh I didn’t know that, I thought I red a page back or so that the phone app only allowed for logging transactions. the new app is good.
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Feb 8, 2019 06:30
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El Mero Mero posted:the new app is good. The new webapp... less so.
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Feb 8, 2019 13:08
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tuyop posted:The new webapp... less so. Yeah, I'm always irritated at how slow it is when entering a payee. Let alone if you need to unhide reconciled transactions.
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Feb 8, 2019 13:52
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Not sure why they boast with reports in the mobile app. You get two basic graphs, Age of Money and Net Worth. That's it.
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Feb 8, 2019 15:00
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Speaking of nuYNAB, one of my credit card categories has a huge positive balance and I don’t know where it came from. What do I do with this? All the other cards I use have normal balances.
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Feb 8, 2019 18:52
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I know the mobile app is way more featureful than previous versions, but it really has feature parity with the desktop experience? Then how can I Reconcile on mobile? I’ve made it as far as clearing transactions for a given account, but have never been able to figure out where the Reconcile button is to confirm account balance and lock in the cleared transactions. I’m on iOS, btw.
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Feb 8, 2019 19:26
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tuyop posted:Speaking of nuYNAB, one of my credit card categories has a huge positive balance and I don’t know where it came from. What do I do with this? All the other cards I use have normal balances.
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Feb 8, 2019 23:33
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rgocs posted:Looking at the credit card category details doesn't hit at a transaction? Did you budget money on it? No, looking back it’s just been going up as a balance since like, April 2018. It’s just a card I use for expenses and the balance autopays each month! I don’t even look at it as a budget line. If I zero it out, poo poo is going to be all messed up too.
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Feb 8, 2019 23:44
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Recovered my YNAB4 account and key at the end of January, feels like a good time to do this while I'm balancing a ton of stuff along with some unexpecteds. And hey! I still have the mobile app on my phone due to backups even though it's not on the appstore anymore, a bonus. So my query is... as I started close to the beginning of the year, is it worth me going back now everything is reconciled to fill in those few weeks? Mainly from a being able to see my total income/outgoings across the year POV. Or by the time I get to April will I not care that the reports don't cover a paycheck or two?
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Feb 8, 2019 23:54
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EL BROMANCE posted:Recovered my YNAB4 account and key at the end of January, feels like a good time to do this while I'm balancing a ton of stuff along with some unexpecteds. And hey! I still have the mobile app on my phone due to backups even though it's not on the appstore anymore, a bonus. Huh, I wonder when "YNAB Classic" was de-listed from the app store, you're right, it can't be searched and doesn't even show up on the developers list of apps. If I go through "My Apps", I can still see it though. Here is the link to the Google Playstore one. EL BROMANCE posted:So my query is... as I started close to the beginning of the year, is it worth me going back now everything is reconciled to fill in those few weeks? Mainly from a being able to see my total income/outgoings across the year POV. Or by the time I get to April will I not care that the reports don't cover a paycheck or two?
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Feb 9, 2019 00:19
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Yeah I probably should've been a bit smarter and started with that data right than going forward, I'd rather not mess anything up just to get a few more weeks visible I expect so maybe I'll just leave it alone and just keep it up to date. I couldn't find the YNAB app either and thought I was stuffed, then spotted I had it tucked away in an old folder from a few years ago. It does pay off to hoard apps you don't use on your phone afterall!
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Feb 9, 2019 00:26
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tuyop posted:No, looking back it’s just been going up as a balance since like, April 2018. It’s just a card I use for expenses and the balance autopays each month! I don’t even look at it as a budget line.
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Feb 9, 2019 01:32
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