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This might be worth adding to the OP - enrolled students can get a year of YNAB for free: quote:Do you really give students YNAB for free? I've just sent my info in and will report back if there's any issues.
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Sep 20, 2019 16:57
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Tayter Swift posted:Are credit cards still a train wreck with the new YNAB? I haven't had any issues with credit cards. I have 2 with a rolling balance which I also use for purchases. I watched their video, and then another one I found on Youtube, and it makes sense to me.
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Oct 3, 2019 09:52
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I do both and match the manual ones later when they import. I love the system, especially with how flexible it is for how you use it.
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Jan 19, 2020 00:44
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The auto import has been broken for my credit union for a few weeks now and I hate it. YNAB is working on it and hopefully it gets fixed soon.
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Feb 27, 2020 18:25
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Slimy Hog posted:I don't get what problems people have with credit cards. I've always set things up the way that YNAB wants them and have never had a problem I haven't had any issues with credit cards either. I watched the YNAB videos about using them, and also this guy on Youtube has a bunch of videos about how to set stuff up that are really well laid out: https://www.youtube.com/watch?v=2Ix0Jibc0Lw
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Apr 16, 2020 15:39
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FateFree posted:There is literally only one gotcha with credit cards: if you pay in full and get cash back, the cash will go to the credit card category and you have to move it out. Everything else works fine unless you are using it wrong. I think this explains why I don't have the issue others are having. I have my cash back set up to deposit into my checking account, not back onto the credit card, so I can move the money like a regular payment or use it for something else straight from the checking account.
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Apr 19, 2020 09:28
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I had to send two messages about my credit union no longer linking, and it took about 3 months to fix it, but they did eventually fix it. Hopefully they fix yours too!
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May 12, 2020 02:29
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Partycat posted:I heard nothing back but the transactions I manually keyed in for May have disappeared from all my unlinked accounts, including the entire "wallet" account that I created for pocket cash. What the actual heck! How strange.
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May 19, 2020 16:05
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Today I officially paid my bills one month ahead on the app. I am...beyond excited! 
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Aug 28, 2020 00:30
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That's a long way away for me but I haven't felt that crummy clinging to the last dollar feeling in months. Whoop whoop!
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Aug 28, 2020 04:09
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Being one month ahead is way more confusing than I anticipated! I never realized how many habits I developed because "what about that bill coming at the end of the month," and spend a good chunk of my time reminding myself that I already have those bills paid for. What a world!
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Oct 1, 2020 17:18
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I did a fresh start based on people's experiences in this thread and I have to say, it did encourage me to rethink my monthly goals and clean out a bunch of gunk. Plus resetting my "to be budgeted" felt awesome as I saw just how much I have between all of my accounts! A good way to start the new year 
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Jan 5, 2021 19:39
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CmdrRiker posted:How detailed to people keep their budgets? I budget with a fixed/variable/sinking fund spreadsheet, and some of my sinking funds are very detailed. I think most people just keep a surplus of misc and when, say, Nintendo Online needs to be renewed they just deduct it from that rather than a Nintendo Online sinking Fund of $2 a month. Same with other stuff like your dental visits, which ideally are free cleanings twice a year, but, maybe this year you needed a filling. I think I am overthinking it. Do people do this? I budget everything, even the $1.08 monthly app, as its own category. It helps me with remembering what's coming. I also include the due date in the descriptions.
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Oct 31, 2022 22:50
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TheCenturion posted:Before YNAB, I used Microsoft Money, then MoneyDance. I really like how you describe the other types of software. I used one provided by my bank before YNAB, and this is exactly how it worked - seeing the after rather than considering the before. YNAB budgeting got me through a period of unemployment where I had zero income for two months (graduate students aren't eligible for unemployment after we graduate, isn't that great???). I understand the cost is a turnoff for lots of folks, but it has been an awesome tool for a terrible money manager like me. I feel like I should also mention, I have never had an issue with my credit card accounts. I have used YNAB both for paying off large balances over time, and for paying off the card as I go.
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Nov 7, 2022 18:10
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I was a graduate student so I was fortunate to receive a year free. It has more than justified the cost for me over the years, but I'm not about to guess what the total cost means to other people and your funds. For anyone who's interested but doesn't have the funds, I'm happy to invite you as a group member. The pros are that you can create unlimited budgets like a main user. The cons are that I can see your budget - I wouldn't look, but I could, so I get if that's an absolutely not. But if anyone wants to use YNAB as one of my group members, send me a PM.
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Jan 30, 2023 17:50
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You can just remove the goal for the month and add it to July as well. That's what I've done in the past. It effectively skips the current month.
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Jun 23, 2023 14:50
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Mid-Life Crisis posted:I don’t notice anything in dark mode Same here, had no idea what this was about.
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Oct 18, 2023 12:05
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In this case I would assign $100 to "candles" and then log a $100 debit in the CC account, which I select the candles category for. If I then pay the credit card off, I log a $100 transfer from checking to the credit card. So basically the $100 is deducted from the candles category via the credit card purchase, then $100 is transferred from checking to the credit card for the credit card payment.
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Jan 21, 2024 02:57
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gohuskies posted:I just don't know how much exactly I should plan to be in my "groceries" or my "hookers and blow" envelopes yet. "Rent" and "utilities" are comparatively easy. But I guess maybe just do a month and see how it shakes out and adjust from there? If you're anything like me, you will always need way more for groceries than you think. Always.
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Feb 22, 2024 18:52
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| # ¿ May 4, 2024 16:21 |
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If you set up a goal by a certain month, it will split that goal monthly until the due month. Personally this is a major reason I still use YNAB, but you can delete the goal and enter it for June if you want. You can also snooze the goal for April and then May.
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Apr 16, 2024 21:01
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