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I mark that kind of money as money within the month. Rent may be due on the 1st of Feb but I need to make sure I have enough before then so my budget sheet shows rent as the last thing that's due and paid for in a month. Any extra will roll over so it doesn't matter too much. Just figure out a way that makes sense to you and how you pay bills.
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Jan 29, 2015 00:13
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Lblitzer posted:Would like an opinion on how to handle cash with a budget. Let's say I pay $100/month for cellphone service but also split it with a friend. He gives me $50 in cash for his split. Should I be budgeting for the whole bill as that's what I do pay and then add the $50 as an income in that Cellphone Bill category? That's how I'd do it
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Jan 29, 2015 19:11
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Lblitzer posted:I just started using YNAB so please bare with me if I'm overly complicating things! If you actually deposit that cash then you could put it down as a $50 inflow. If not, then you could have it as a separate cash account or a category in order to track it. https://www.youneedabudget.com/support/article/handling-cash1
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Jan 30, 2015 18:05
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HonorableTB posted:Okay I'm confused about how to do this. I got paid today, but January isn't over, and I still have expenses for January (last rent payment for Feb plus groceries and such). How do I categorize this income? Income for January or February? If I do it for February, will I have to fudge the transaction dates for everything I buy today to make it jive? I don't want to put another rent payment in February because I'm already going to have two of them that month to pay for March and it will throw my numbers off. Do I set it as income for January? But the problem with that is that I have bills that need to be paid *in February*, but are due before my next check comes in, so they need to be paid this pay period. But I've already paid those bills for January, and adding more money to the categories for January means my numbers for Feb will be off. Budget the money for January and pay the February rent and bills with it. You will have left over money "this month" that rolls over and you can use that money to budget for the bills that need to be paid within the first 2 weeks. For example look at my sheet. I have to have rent paid by the 1st so I budgeted the paycheck I got today to that. I have some extra money leftover for the month that has been rolled over and budgeted to the early bills next month (You can see the 188.42 not budgeted to Jan at the top of Feb) like an estimated electricity and random bullshit. Your March rent will be need to be budgeted and saved at the end of February to apply for March. 
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Jan 30, 2015 18:48
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ilkhan posted:Why do you have an outflow under pre-ynab debt? https://meundies.com/ they are the most comfortable underwear in the god drat world. step up your underwear game The way YNAB does pre-YNAB credit card debt is as a massive outflow. This is my first month using YNAB George H.W. Cunt fucked around with this message at 19:21 on Jan 30, 2015 |
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Jan 30, 2015 19:18
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They have a subscription thing where you get their print of the month
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Jan 30, 2015 19:31
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Bread Set Jettison posted:Rofl thats kind of weird but you know what, I appreciate the honesty its a nice way to get new underwear with fun prints on it. much better than wearing hanes or fruit of the loom all the time 
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Jan 30, 2015 19:37
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spwrozek posted:I just dropped $20 on a pair so you better come through. drat I should have linked the referral and given 20% off
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Feb 4, 2015 23:13
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Should pay off my old credit card at the end of this month and cashed in my worthless reward points. $43.17 check comin' my way.  Really look forward to a citi double cash card once my score is up a bit
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Feb 6, 2015 01:15
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spwrozek posted:By far the best undies ever so thanks for that. Another satisfied customer!
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Feb 14, 2015 18:57
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Bread Set Jettison posted:Lol wheres the referral link. http://fbuy.me/-r-M 20% off George H.W. Cunt fucked around with this message at 02:32 on Feb 22, 2015 |
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Feb 15, 2015 21:20
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Gothmog1065 posted:This. You should have a credit card account (Because you have a credit card!) on budget and the purchases go there. When you pay off the credit card, it's a transfer (not budgeted since you already did that with the purchases). This is what tripped me up with credit cards at first on YNAB. You budget purchases via the categories like normal and put the transaction under your credit card. You'll show a negative balance on the card but once it comes time to pay off you just do a transfer of whatever amount and it all zeroes out.
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Feb 18, 2015 21:43
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Divide your budgeted amount or leftovers by however many weeks are left in the month. You could then add that as a comment
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Feb 18, 2015 22:58
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2 months of using YNAB I've gotten my credit card paid down $1,600 and will have last months statement paid off in full. Slowly but surely my bills are being shifted to earlier paychecks and some already in Step 4.  Now I just need to 
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Feb 24, 2015 20:57
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Probably not but they are nearly half the price. Premium underwear is something everyone should invest in. It's time to ditch your Hanes people
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Feb 26, 2015 20:13
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Use the dude selling it in SA mart for 22ish
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Apr 10, 2015 23:09
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EvilElmo posted:I can't find the thread, do you have a link? http://forums.somethingawful.com/showthread.php?threadid=3599565
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Apr 12, 2015 16:33
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redcheval posted:Okay, cool. I'm pretty new to actually getting my financial stuff organized... I'm using this savings account to build up my emergency savings. Since that's not really money I'm gonna have budgeted out on a month to month basis, is there any reason not to just actually have it be off-budget? Having a chunk of money I'm not going to actually spend and don't want to touch look available to budget is kind of throwing me off. If you have 3 months of living expenses already saved up in that savings account just leave it off budget and dont touch it until an emergency. Utilize those off budget accounts for things like savings.
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Jun 1, 2015 18:39
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Irritated Goat posted:It's positive because it's paid off and usable if we need it. As far as the discrepancy, I have no idea. I'm not able to change that amount to match what it should be. Would it be better to re-watch the CC video and change all of those? Fresh start might be the best idea. A CC is never positive because it is not actual money. Hell that way of thinking is what gets people in trouble to be begin with. A CC should be 0 with a very temporary negative balance because ideally you already have money on hand to pay for whatever you use the CC for. Obviously when you're trying to get out of debt that isn't the case but moving forward only use a CC for what you can already pay for with your checking account.
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Jun 12, 2015 19:22
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Step 4 is a pretty nice feeling but I think I'll only be truly happy when that little networth line is above $0
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Jun 12, 2015 19:38
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baby puzzle posted:Why is my "available to budget" so high? It clearly comes from my initial bank balance but I would be broke soon if I budgeted and spent 20x my income in one month. Why doesn't "available to budget" come from my income instead? The number just isn't useful to me right now. How do I make it more useful? Your "available to budget" is money that you have on hand at that current moment since that is all you can really budget for. If you have $5,000 available to budget and only use $2,500 in a month then you budget for that then either use the rest to save or put towards future months. If you don't have enough money to cover for the entire month then budget the soonest and highest priority bills until more money comes along that allows you to budget more and more. George H.W. Cunt fucked around with this message at 03:22 on Jun 14, 2015 |
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Jun 14, 2015 03:17
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There's a good rewards card thread here in BFC.
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Jun 30, 2015 21:58
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My referrals have run dry so this is excellent news
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Jul 26, 2015 16:21
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I thought I read somewhere that they don't do the steam sale anymore. Might be better off using the guy in SA mart
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Oct 26, 2015 04:51
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http://forums.somethingawful.com/showthread.php?threadid=3599565 I used that guy a while ago but I'm not sure on his current inventory. http://forums.somethingawful.com/showthread.php?threadid=3528291 There's that guy who does a flat 15% off though
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Oct 26, 2015 06:30
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If anyone gets into the YNAB beta as a new user id love to hear the thoughts about it. Not thrilled about monthly payment but in interested to see the new features
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Oct 27, 2015 05:27
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Oh cool new YNAB is unveiled/released in two days. http://www.youneedabudget.com/blog/2015/the-new-ynab-lands-in-two-days/ quote:For the next little while, this little blog is going to get a little crazy as it relates to this little thing we’ve been working on for more than two years. Ok, there is nothing little about it.
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Dec 28, 2015 15:46
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YNAB doesnt go on steam sale anymore
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Dec 29, 2015 18:10
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http://www.youneedabudget.com/blog/2015/your-finances-will-be-less-tedious-super-focused-and-older-with-the-new-ynab/ I'm liking some of the new features. I was just messing with Mint today seeing how much I could save if I payed extra on a loan. While I don't think it will show how much I will save totally based on interest calculations, it does give me a "you will may off at this date" which is nice.
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Dec 29, 2015 20:50
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http://www.youneedabudget.com/learn/guide/transition-guide Looks like you can import your YNAB 4 data
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Dec 30, 2015 23:15
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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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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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 Positive net worth as of this friday.
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Mar 28, 2016 13:45
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I got a modest increase at a new job in July but after retirement was taken into account my take home was more or less the same. I think the biggest factor into getting ahead is budgeting for 4 weeks in a month and that "extra paycheck" every couple of months padding that step 4.
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Mar 28, 2016 14:30
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http://www.youneedabudget.com/blog/post/a-status-report-on-reports-some-other-things Kinda just wish they left direct import alone and went onto at least making it worthwhile to go from YNAB4.
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Apr 7, 2016 15:02
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I'm still using YNAB 4 but is there a way to send the rest of available monies to the next month? I know that it does it automatically but I'd like that "Available to Budget" to read zero.
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Apr 7, 2016 22:19
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They just need to hire the guy who is making the free version
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Oct 16, 2016 22:32
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That net worth line cracking 0 was probably the single greatest achievement since hitting step 4. People are crazy if they don't use reports.
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Oct 25, 2016 16:54
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I'm unemployed at the moment and will start pulling from my savings. Do you do that transfer from savings to checking as an income even though it isnt really true income?
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Jan 6, 2018 05:31
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TheCenturion posted:If the savings account is on budget, i.e. the bank account is listed as a 'budget account' and you have a budget category labelled 'Long Term Savings' or whatever, you just remove money from that budget category, then budget it to whatever. You should also enter a transfer from the savings account to the checking account so that the account totals all reflect reality, as well. This is what I ended up doing that made the most sense in my head.
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Jan 11, 2018 03:34
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