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No it's showing you overbudget because of the overspending from last month, since by default it takes it out of this month's available to budget, instead of carrying it forward.
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Jul 15, 2014 22:08
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your net worth may also be down in September because you haven't gotten all the income you're gonna get this month yet. Remember payments towards that debt are going to make your total net worth not change at all, you're just decreasing your assets to decrease your debt by an equal amount. If you're tracking the interest like you say that will also lose some net worth there since it's additional money being added to your debts. Aside from that even though you're making big extra payments on your debt you still might be going down in net worth cause beyond that you're still spending more than you're bringing in, albeit much more slowly than you were? I can't really tell but keep it in mind. The decrease isn't bad, if you want to see some green arrows you gotta spend less and sock it away instead. It ain't easy, honestly, but it's doable, I've been managing to do it since I started using YNAB July 2013. poo poo I just looked and since then I've basically cut myself halfway out of the red, I started at -40k net worth and now I just got under -22k. 
100 HOGS AGREE fucked around with this message at 20:52 on Sep 9, 2014 |
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Sep 9, 2014 20:45
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Yeah I wish there were some graphs that looked at how much you're allocating to your budget categories instead of the outflows.
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Oct 9, 2014 21:22
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EL BROMANCE posted:Just a heads up, if you buy YNAB before Monday it's only $30 not $60. (Think this works when you buy a email or physical gift card from the store only, as the normal price still appears for me when you go to purchase a copy for yourself). Took the plunge as I've been intrigued for a while, and hoping it'll make the money back nice and quickly!
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Nov 28, 2014 18:37
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Defenestration posted:Is YNAB doable for an intelligent but rather fraught 50 something recent divorcee? The trial version is exactly the same as the full version, just limited to the 35 day trial until you put your key in. Otherwise it's identical, it's not even function limited. I'd suggest set her up with the trial and teach her to use it and then if she likes it buy it for her as a gift. It's like a double gift.
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Dec 9, 2014 22:47
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I'd send a support email about it.
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Dec 30, 2014 22:08
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Why not just use the description field to keep track of how much you've put in?
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Jan 4, 2015 02:44
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One time that happened to me and it turned out I had accidentally used an expired card and no one involved in the transaction had noticed.
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Jan 15, 2015 16:35
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Gripen5 posted:I am probably going to just leave it there for now. I have a feeling its just hasn't been processed yet. I would imagine the restaurant still has it in their batch or whatever it is and haven't sent it out yet. Which is strange because you would think that a small hole in the wall restaurant in NYC wouldn't wait to charge things. Got bills to pay. It is strange though. Usually I at least get a "pending" status on transactions that haven't been fully processed. Don't remember this being a problem the only other time I went to the same place. We have issues where our clients will have their poo poo go offline and not be proactive about getting it back online, so they'll end up caching weeks worth of transactions that all get processed all at once when it goes back online. A ton of people will then get pissed because they get a bunch of cleared transactions all at once and get overdrafts on their accounts, since they just went and spent the money they already spent but hadn't been taken yet.
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Jan 15, 2015 23:18
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Gripen5 posted:Aren't those caches or batches, or whatever they are, where a lot of credit card number theft comes from? Seems like something they need to get in order.
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Jan 16, 2015 00:33
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All my payees are things like grocery or gas or furniture or whatever. I only get specific when I am exchanging cash with my friends and family so I can remember who it was
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Jan 16, 2015 15:35
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I track cash because it's mostly a large stack of cash every month that I give to my uncle for rent. I'll keep like 30 bucks on me usually cause there are a couple restaurants I go to now and then around here that are cash only. Change goes the ashtray in my car and I just round up. I also just steal 5 bucks here and there from other categories as I'm spending and keep a wad of bills in my car for "emergencies" that I don't track.
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Feb 5, 2015 20:26
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Omne posted:Let me talk this out and see if I'm crazy...
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Mar 30, 2015 20:35
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I made a category for poo poo like gift cards and credit card cashback for that reason. So I make an inflow to the credit card account, assign it to that category, then just pull the money from that category and throw it somewhere else.
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Apr 8, 2015 19:57
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Teeter posted:Anybody have some tips for reconciling? After:MM/DD/YYYY, Before:MM/DD/YYYY Which will return all transactions between those two dates.
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Apr 8, 2015 20:00
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zamin posted:This is what I would do. That same category also takes care of interest from checking/saving and my tax refund the same way. Yeah I mainly do it this way instead of setting it as income for x month because I want that to only show my actual income, and not all the other incidental inflows I get.
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Apr 8, 2015 20:14
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It took me about four months. It would have been longer but I made up the difference with a chunk of my savings that I then replenished later.
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Apr 29, 2015 20:53
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I do the former. I just reconcile every month on the last day to account for interest on my student loan and changes in my 401k. So, I've been using YNAB for two years now and well:  I attribute much of this to this dumb software.
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Jul 28, 2015 18:22
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Yeah, I get my direct deposit into my checking account and I just transfer most of it once a month into savings minus what I need for my credit card spending and rent that I pay in cash every month. I just draw my one remaining student loan payment straight out of the savings account.
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Aug 31, 2015 17:22
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greazeball posted:My wife is going back to school and so we're looking at the next 12 months with just one income (which is variable) and trying to make a careful plan. We're using our YNAB budget categories to plan our outgoings in a spreadsheet, placing those next to probable incomes and account balances so we can see when the money will potentially run out. So if you dumped like 600 into a category at the beginning of the year you could consider that as needing $60 a month coming into October if you had split that up over the ten months instead.
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Oct 12, 2015 22:44
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I'd really like some sort of excel spreadsheet or app that can take an exported YNAB csv file and generate a bunch more neat looking reports from it. But hell if I can barely figure out how to use VLOOKUP.
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Oct 15, 2015 22:29
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dreesemonkey posted:Well I'm feeling rather pleased with myself. Now I just need to think of more things that I want to examine.  I'd really like a report that shows monthly and average amounts budgeted per category so I can compare it to the income/expense one that YNAB already has. And one with a graph much like the net worth report in YNAB that I can look at the balance of any category over time, for stuff like my savings categories that grow month-to-month, but rarely get spent out of. 100 HOGS AGREE fucked around with this message at 19:57 on Oct 23, 2015 |
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Oct 23, 2015 19:54
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there's a secret keyboard shortcut that can compress down your YNAB budget folder and consolidate all the thousands of .diff files that's in there, that can help the budget load much faster on older budget files, and reduce the size of that folder. It is CTRL+ALT+SHIFT+C I believe it won't let you load prior versions of the budget before you do that though, so definitely back up your folder before doing it.  Took my folder from 63 MB down to 7.8 MB and cut the number of files from like 8k to 80 100 HOGS AGREE fucked around with this message at 16:18 on Oct 28, 2015 |
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Oct 28, 2015 16:13
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I just really can't justify unlimited recurring costs to myself though. If they ever offer a lifetime subscription I might spring for it but I cannot have an open-ended subscription for something like this where if I stop paying I lose access, it just ain't happening. It's a psychological thing for me.
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Dec 29, 2015 21:08
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Yeah man I'm looking at this now and this big blank screen is bothering me, I just can't bear to lose my two years of history in YNAB 4. I'm going to have to wait until this can import old budgets because I don't want to start from scratch.
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Dec 30, 2015 20:14
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They must have not bothered to update the copy on Steam.
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Dec 31, 2015 02:27
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Karthe posted:I don't suppose there's anything about the new YNAB that would allow for account sharing, huh? My girlfriend and I have been using just the one copy of YNAB 4 since May since the license allowed for multiple household users. I haven't seen anything in any of the docs covering YNAB 4 -> nYNAB that suggest it'd be possible. You can have multiple budgets so I don't see why you couldn't. Everything would be accessible to everyone else though.
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Dec 31, 2015 20:24
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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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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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Arthil posted:So I'm in a bit of a panic right now. Do you use dropbox? Can you restore a version of that folder from like yesterday?
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Feb 24, 2016 17:35
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Combat Pretzel posted:Also, this: I'm real stoked for https://financier.io, it is nearly at feature parity with YNAB4, works offline, and the guy pushes out updates like once a week, so I'm excited to see him get to where YNAB4 is and then go past that. He's also pretty responsive on the subreddit for it, every feature request I've asked about he's directly responded to and thrown onto his trello page. While I'm testing it now I just threw the local storage for it from the chrome folder onto my dropbox and symlinked it so I can mess with the same budget at home and at work. (C:\Users\*USER*\AppData\Local\Google\Chrome\User Data\Default\IndexedDB\https_app.financier.io_0.indexeddb.leveldb)  Really all I'm waiting for now is split transactions (that he appears to be working on for the next update) and I'll subscribe to support the guy because it's only a buck a month. Search will probably come soon after along with more reports and that'll be that. And QFX import if you're into that, I guess (I'm not). Also I think he's planning on letting you do custom colors so I'll have my dark mode eventually... I'm really just worried YNAB4 is gonna break eventually and hell if I'm going to like run a VM just for a budget program jesus christ. 100 HOGS AGREE fucked around with this message at 15:06 on Oct 6, 2016 |
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Oct 6, 2016 14:59
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EAT FASTER!!!!!! posted:Financier is great, but I'm having trouble understanding cleared versus uncleared line items? What do you mean? It works the exact same way it does in YNAB4. 
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Oct 6, 2016 19:08
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Rexim posted:I've always been an enthusiastic user of YNAB but the stagnant development is frustrating. I've decided I'm going to try running Financier parallel with YNAB. Shouldn't be too much extra work. Not yet but it's on his todo list.
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Oct 9, 2016 03:40
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https://twitter.com/financier_io/status/800211893705056256
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Nov 20, 2016 06:51
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Randler posted:What's the advantage of Financier over YNAB4? It seems like it's just the same thing in a browser window at a better asking price than nYNAB. well it's actively being worked on by a responsive dev while development on YNAB4 is all but abandoned, for one.
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Nov 24, 2016 22:18
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a dingus posted:Someone needs to come in and make a good alternative because they must be making a killing at the equivalent of $7 a month for a glorified spreadsheet. The Financier dev open-sourced the frontend and it seems he might be more proactive with getting pull requests integrated into the main site. You can even install it to your own server if you want, I did it just to screw around, but I don't mind paying the twelve bucks a year for the convenience of syncing. There's also another dev who developed a mobile web app and has said he's going to get into some development for the main site eventually. Might mean we finally get those scheduled transactions and some new features.
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Jan 20, 2018 16:16
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Could someone export some entries from YNAB4 and let me see the cfv file? I've been using Financier and I want to import my register into budgetwise but I need to slightly edit the poo poo in this because it's not exactly the same. Just the column headers and couple transactions, some reconciled, some not, is all I really need.
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Sep 22, 2018 20:02
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Bank sync seems like an expensive waste of time imo, recurring/split transactions and off budget accounts are way more important. And some nice looking reports, I've been using Financier for the last year and I really miss useful reports. Like literally every single YNAB alternative so far seems to crap out before getting that basic functionality in. The second budgetwise gets the above poo poo I'll buy a lifetime membership. 100 HOGS AGREE fucked around with this message at 15:46 on Oct 6, 2018 |
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Oct 6, 2018 15:38
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i'm on vacation and I decided to just pay cash for everything so I don't have to do a shitload of entries in my vacation category. feels great.
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Dec 4, 2018 16:19
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George H.W. oval office posted:Yea but points! I'm not gonna lose sleep over losing like six dollars of reward points
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Dec 5, 2018 01:38
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