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TraderStav posted:I have a separate category called "To be reimbursed" and put the charge in there. Then I set the remaining (negative) balance to be carried forward to the next month where I mark the corresponding income as "To be reimbursed" to offset it as if it never happened. Essentially taking it out of the budget but tracking the dollars. This is the exact way YNAB recommends you do it, and it works well.
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# ¿ Mar 27, 2015 02:45 |
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# ¿ May 21, 2024 18:59 |
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Just put both of your accounts on-budget, then adjust your budget amounts, then pay bills, record income, and record transactions like normal. Regardless of YNAB, it's less hassle if you just have one checking account, but you can do it either way.
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# ¿ May 8, 2015 20:38 |
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Slimchandi posted:I've been tracking expenditure over the last few weeks with YNAB and enjoying getting the extra control. Never had this level of knowledge about how my money was working. As you spend more time budgeting your money, you'll become more comfortable that the amount you've budgeted to every category, including your throw-away-money category, is the right amount. When you're comfortable with the fact that you've actually budgeted the right amount, you'll be more comfortable spending the money in that category.
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# ¿ May 17, 2015 02:23 |
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That's why an investigation into how a bank handles indemnifying you is important when choosing a bank account. Don't choose a lovely bank. My credit union will make me whole again within 24 hours of reporting fraud.
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# ¿ Aug 31, 2015 20:19 |
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Mr_D posted:Dave Ramsey is a tool, though. These all sound like great additions. I'm certainly willing to pay the developers monthly, as long as they've developed a good product. It's very hard to make a business out of selling a one-time cost product like YNAB wherein you get to the point where your application is pretty polished unless you keep adding feature bloat just so you can justify selling a new version every year. The sooner I can get Adobe Air off my PC the better.
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# ¿ Oct 28, 2015 14:54 |
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Yeah, I don't see the problem here. What if they'd released YNAB5 as a desktop app? You'd have to pay for that. And then YNAB6, 7, 8, 9. Or you could've just stuck with YNAB4...exactly like the situation with the web app/subscription thingy.
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# ¿ Nov 11, 2015 17:31 |
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myron cope posted:I'm excited for YNAB 5 because adobe air is trash and ynab 4 is painful. I mean it's a fantastic program, but it's slow as poo poo. And the dropbox sync is nice when it works, but seems to fail a lot. I agree with this except for the dropbox sync. I've been using it since dropbox sync was introduced and I've never had an issue with it.
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# ¿ Nov 12, 2015 19:46 |
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CarrKnight posted:Something I quite don't understand: last month I allocated 700 in the grocery category. I ended up spending only 575. The idea is that you budget your average spending amount each month. Some months you might spend less and rollover some money, some months you might spend more and use some of your rollover money. I usually just let rollover stuff ride.
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# ¿ Dec 11, 2015 16:56 |
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ilkhan posted:New YNAB still crap, as far as I know. First I've heard of this, care to elaborate?
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# ¿ Dec 28, 2015 17:46 |
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ilkhan posted:doesn't let you rollover negative category balances So how do they expect you to handle reimbursable expenses that span a month boundary?
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# ¿ Dec 28, 2015 18:53 |
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Note that in the pre-subscription world where YNAB just charged for major updates once a year or so, YNAB is more expensive than in the subscription at $50/year world.
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# ¿ Dec 29, 2015 00:28 |
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Sure. But I wouldn't be surprised if they have sales on the new product.
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# ¿ Dec 29, 2015 01:03 |
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rrrrrrrrrrrt posted:I would pay more for a non-subscription version, absolutely. Yes, I was just highlighting that the subscription isn't necessarily a bad value. There's other variables to consider besides just the dollar amount paid.
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# ¿ Dec 29, 2015 21:41 |
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ilkhan posted:I bought YNAB 4 for like $15 2 years ago. I haven't had to pay another dime for usage of it. I don't think you considered my argument at all since your point isn't applicable. They obviously ceased development on desktop YNAB a couple years ago to work on a web subscription thing. Prior to that it was around $60/year to continue buying it and since my argument was that in that world, you'd be spending more on YNAB desktop, your argument that in this other world things worked out differently doesn't really bear on my point.
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# ¿ Dec 29, 2015 23:07 |
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Defenestration posted:This makes me wonder if there is a difficult divide for the developers to bridge, between making this as easy as possible for people who want a painless way to get their money in order, but also anal-retentive high maintenance capabilities for people who use YNAB for micromanaging accounting This is an on-going developer/designer headache for decades for all software.
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# ¿ Dec 30, 2015 02:03 |
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I start fresh every year anyway, which I feel like YNAB recommended at some point anyway.
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# ¿ Dec 31, 2015 02:18 |
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The new YNAB is just about perfect for me except for the missing calculator and I'm put off by the hazy security situation. For me, the bank import is pretty great, because even though I input transactions as they occur, there's two of us, which increases the chance of error, so it's good to be able to reconcile against our bank accounts. The problem in the past has been that it's a hassle to go to our multiple banks websites and download the transaction data and then import it. I'll give it 6 months and look at it again and see if they've addressed the couple of issues I have with it now.
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# ¿ Jan 2, 2016 17:29 |
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# ¿ May 21, 2024 18:59 |
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Handsome Ralph posted:OK, enlighten me then? With regards to bank statements, AFAICT, the difference between nYNAB and YNAB4 is... YNAB4 1. Enter transactions as they occur. 2. (optional) Occasionally go to bank website and download statement to catch missed transactions. 3. (optional) Import said statement into YNAB. 4. Reconcile to bank balance. nYNAB 1. Enter transactions as they occur. 2. (optional) Press "import from bank" to automatically get bank statement to catch missed transactions. 4. Reconcile to bank balance.
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# ¿ Jan 3, 2016 18:57 |