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Since we're sharing categories, here are mine. I've been using YNAB for a year and these work pretty well for my current simple financial situation (single, late 20s, renting). I used to have a lot more categories but I've been combining/condensing. Budget Accounts: Debt Student Loans (Pre-YNAB credit card debt also went here) Savings Goals Emergency Fund Vacation Monthly Bills Rent & Utilities Phone, Internet & TV Gym Netflix Infrequent Bills Car Insurance Renters Insurance Membership Fees Monthly Expenses Groceries Gas Household Goods Hygiene & Medication Clothing Haircuts Infrequent Expenses Gifts Medical Bills Car Maintenance Car Fees & Taxes Parking & Tolls Office Supplies Personal Fees Postage & Shipping Discretionary Spending Food & Alcohol Electronics & PC Parts Amusement Books, Games & Music Donations & Charity Poker Travel Plane Tickets Lodging Food Amusement Car Rentals Gas, Parking & Tolls Off-Budget Accounts: 401(k) IRA HSA Individual Student Loans I reconcile my on-budget accounts weekly, and my off-budget accounts monthly.
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Feb 18, 2014 23:46
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I agree that it's worth having a separate cash account to track what is in your wallet. I enter all cash transactions rounded up to a whole dollar amount and don't bother tracking loose change. Simple and easy to reconcile.
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Jan 8, 2015 01:33
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