My spending last month was way less than it has been, I think because I can see daily exactly what is going on and I'm really driven to pay off that credit card debt and get a month ahead. It won’t tell you how you spent your money in the past, but it will give you net worth history, if that’s what you care about. Select correct payee and category, but ignore budget and overspending for now. I mean, yeah, you need to have an idea of what you will need to spend, but budgeting what you actually have available to you day by day is very powerful psychologically. ._3gbb_EMFXxTYrxDZ2kusIp{margin-bottom:24px;text-transform:uppercase;width:100%}._3gbb_EMFXxTYrxDZ2kusIp:last-child{margin-bottom:10px} This is probably very obvious to everyone but I had not linked it that way and it suddenly made so much sense. I just caught on to the concept of “floating” and only budgeting money when it comes in, but I’m still not grasping something. ._1x9diBHPBP-hL1JiwUwJ5J{font-size:14px;font-weight:500;line-height:18px;color:#ff585b;padding-left:3px;padding-right:24px}._2B0OHMLKb9TXNdd9g5Ere-,._1xKxnscCn2PjBiXhorZef4{height:16px;padding-right:4px;vertical-align:top}._1LLqoNXrOsaIkMtOuTBmO5{height:20px;padding-right:8px;vertical-align:bottom}.QB2Yrr8uihZVRhvwrKuMS{height:18px;padding-right:8px;vertical-align:top}._3w_KK8BUvCMkCPWZVsZQn0{font-size:14px;font-weight:500;line-height:18px;color:var(--newCommunityTheme-actionIcon)}._3w_KK8BUvCMkCPWZVsZQn0 ._1LLqoNXrOsaIkMtOuTBmO5,._3w_KK8BUvCMkCPWZVsZQn0 ._2B0OHMLKb9TXNdd9g5Ere-,._3w_KK8BUvCMkCPWZVsZQn0 ._1xKxnscCn2PjBiXhorZef4,._3w_KK8BUvCMkCPWZVsZQn0 .QB2Yrr8uihZVRhvwrKuMS{fill:var(--newCommunityTheme-actionIcon)} I'm looking for help with the YNAB method, not the 4 rules and their definitions so much. Did you know in YNAB you could… 1. Imagine never having to worry about paying a bill. Finally, you can do 'traditional' budgeting with nYNAB with goals. If you have money left over you have two options. YNAB Mobile Hacks. Step 1, pick a period. r/ynab: A discussion subreddit for popular budgeting software You Need A Budget. Check YNAB's status page for current widespread issues—we may already be on the case! Again started off doing it the wrong way, but I quickly realized after watching a few videos/finding this sub. Welcome (Again, For The Very First Time) to YNAB! .LalRrQILNjt65y-p-QlWH{fill:var(--newRedditTheme-actionIcon);height:18px;width:18px}.LalRrQILNjt65y-p-QlWH rect{stroke:var(--newRedditTheme-metaText)}._3J2-xIxxxP9ISzeLWCOUVc{height:18px}.FyLpt0kIWG1bTDWZ8HIL1{margin-top:4px}._2ntJEAiwKXBGvxrJiqxx_2,._1SqBC7PQ5dMOdF0MhPIkA8{height:24px;vertical-align:middle;width:24px}._1SqBC7PQ5dMOdF0MhPIkA8{-ms-flex-align:center;align-items:center;display:-ms-inline-flexbox;display:inline-flex;-ms-flex-direction:row;flex-direction:row;-ms-flex-pack:center;justify-content:center} This guide assumes you are starting at positive net worth and don't go into negative. /*# sourceMappingURL=https://www.redditstatic.com/desktop2x/chunkCSS/ReredditLink.f7b66a91705891e84a09.css.map*/A wonderfully succinct and useful guide! More I've been using YNAB for years,… There are some great YouTube videos that really simplify it and address specific questions or situations. Look into the future more than into the past. I know I’m still using it the wrong way! Start with your new first month budget. Your inflows for the month should match budgeted amount for the month, 'budgeted in future' should be 0. There can be multiple options for each financial institution so be sure to choose the closest matching web address. My only real wish for backdating is tracking my student loans (that I added to the budget — and finished paying off — in the same month, so it shows nothing). Every single other method I've seen and used relies on budgeting monthly amounts. YNAB method mind shift I'm not too sure what category to put this under. Too many people find themselves in the opposite situation – with a pile of bills, waiting for more money to arrive. So much simpler! Make your categories your own! (Take statement's opening balance, and add up all transactions before that date to add/subtract from it). We don't want to change the budget for the real current month, so pick things you know you'd be funding anyways, or what you already spent in between. Press question mark to learn the rest of the keyboard shortcuts. Quick Start. Budgeting all of my monthly expenses before I had the money! Yesterday, I had an ah-ha moment about how I was budgeting and why it wasn't as effective this time on the wagon. Suddenly, credit cards are easy. Inflows = Budgeted amount. 35 articles Accounts & Transactions. In the past ten years, we’ve learned a lot about what helps people budget successfully and eliminate their financial stress. I used YNAB4 the wrong way for years. ._1zyZUfB30L-DDI98CCLJlQ{border:1px solid transparent;display:block;padding:0 16px;width:100%;border:1px solid var(--newCommunityTheme-body);border-radius:4px;box-sizing:border-box}._1zyZUfB30L-DDI98CCLJlQ:hover{background-color:var(--newCommunityTheme-primaryButtonTintedEighty)}._1zyZUfB30L-DDI98CCLJlQ._2FebEA49ReODemDlwzYHSR,._1zyZUfB30L-DDI98CCLJlQ:active,._1zyZUfB30L-DDI98CCLJlQ:hover{color:var(--newCommunityTheme-bodyText);fill:var(--newCommunityTheme-bodyText)}._1zyZUfB30L-DDI98CCLJlQ._2FebEA49ReODemDlwzYHSR,._1zyZUfB30L-DDI98CCLJlQ:active{background-color:var(--newCommunityTheme-primaryButtonShadedEighty)}._1zyZUfB30L-DDI98CCLJlQ:disabled,._1zyZUfB30L-DDI98CCLJlQ[data-disabled],._1zyZUfB30L-DDI98CCLJlQ[disabled]{background-color:var(--newCommunityTheme-primaryButtonTintedFifty);color:rgba(var(--newCommunityTheme-bodyText),.5);fill:rgba(var(--newCommunityTheme-bodyText),.5);cursor:not-allowed}._1zyZUfB30L-DDI98CCLJlQ:active,._1zyZUfB30L-DDI98CCLJlQ:disabled,._1zyZUfB30L-DDI98CCLJlQ:hover,._1zyZUfB30L-DDI98CCLJlQ[data-disabled],._1zyZUfB30L-DDI98CCLJlQ[disabled]{border:1px solid var(--newCommunityTheme-body)}._1O2i-ToERP3a0i4GSL0QwU,._1uBzAtenMgErKev3G7oXru{display:block;fill:var(--newCommunityTheme-body);height:22px;width:22px}._1O2i-ToERP3a0i4GSL0QwU._2ilDLNSvkCHD3Cs9duy9Q_,._1uBzAtenMgErKev3G7oXru._2ilDLNSvkCHD3Cs9duy9Q_{height:14px;width:14px}._2kBlhw4LJXNnk73IJcwWsT,._1kRJoT0CagEmHsFjl2VT4R{height:24px;padding:0;width:24px}._2kBlhw4LJXNnk73IJcwWsT._2ilDLNSvkCHD3Cs9duy9Q_,._1kRJoT0CagEmHsFjl2VT4R._2ilDLNSvkCHD3Cs9duy9Q_{height:14px;width:14px}._3VgTjAJVNNV7jzlnwY-OFY{font-size:14px;line-height:32px;padding:0 16px}._3VgTjAJVNNV7jzlnwY-OFY,._3VgTjAJVNNV7jzlnwY-OFY._2ilDLNSvkCHD3Cs9duy9Q_{font-weight:700;letter-spacing:.5px;text-transform:uppercase}._3VgTjAJVNNV7jzlnwY-OFY._2ilDLNSvkCHD3Cs9duy9Q_{font-size:12px;line-height:24px;padding:4px 9px 2px;width:100%}._2QmHYFeMADTpuXJtd36LQs{font-size:14px;line-height:32px;padding:0 16px}._2QmHYFeMADTpuXJtd36LQs,._2QmHYFeMADTpuXJtd36LQs._2ilDLNSvkCHD3Cs9duy9Q_{font-weight:700;letter-spacing:.5px;text-transform:uppercase}._2QmHYFeMADTpuXJtd36LQs._2ilDLNSvkCHD3Cs9duy9Q_{font-size:12px;line-height:24px;padding:4px 9px 2px;width:100%}._2QmHYFeMADTpuXJtd36LQs:hover ._31L3r0EWsU0weoMZvEJcUA{display:none}._2QmHYFeMADTpuXJtd36LQs ._31L3r0EWsU0weoMZvEJcUA,._2QmHYFeMADTpuXJtd36LQs:hover ._11Zy7Yp4S1ZArNqhUQ0jZW{display:block}._2QmHYFeMADTpuXJtd36LQs ._11Zy7Yp4S1ZArNqhUQ0jZW{display:none}._2CLbCoThTVSANDpeJGlI6a{width:100%}._2CLbCoThTVSANDpeJGlI6a:hover ._31L3r0EWsU0weoMZvEJcUA{display:none}._2CLbCoThTVSANDpeJGlI6a ._31L3r0EWsU0weoMZvEJcUA,._2CLbCoThTVSANDpeJGlI6a:hover ._11Zy7Yp4S1ZArNqhUQ0jZW{display:block}._2CLbCoThTVSANDpeJGlI6a ._11Zy7Yp4S1ZArNqhUQ0jZW{display:none} Feel free to post any news, questions, budget strategies, tips & tricks and advice related to YNAB. I’m not going to give up though because of all the success stories I’ve read. I'm on it since the end of March and think I have finally figured it out. 39 articles Credit Cards & Debt. I'm sure there are probably some other little mistakes I'm making or some power that I'm not fully harnessing, but it's starting to click! I was all zero'd out (TBB and categories, only 5 days left until payday, all bills paid) and I was all like 'cool, I can not spend for 5 days!'. The site may not work properly if you don't, If you do not update your browser, we suggest you visit, Press J to jump to the feed. Repeat for all statements until today, including all transactions "since last statement", Repeat that for every account. A target funding goal means you say for X category I need $100 every month to get funded into that. Budget all remaining money for that month into these savings categories. So tempting for me, but the thought of trying to categorize tons of amazon purchases is daunting. But because you were simply far enough ahead that the money to pay your bill arrived a few weeks before the bill itself. Love that you did this. Repeat for following months. Sometimes you have to hear it different ways. Get to current month, fix any inconsistencies to make it match the backup/screenshot you took. Seriously, it's a waste of time. Once you understand YNAB’s Four Rules, you’re ready to get started and set up your budget! Today, after a full month of using YNAB the correct way, YNAB told me how much I was able to throw at my credit card, no math required (well, okay, I did double-check just to be sure ;) ). ._3Im6OD67aKo33nql4FpSp_{border:1px solid var(--newCommunityTheme-widgetColors-sidebarWidgetBorderColor);border-radius:5px 5px 4px 4px;overflow:visible;word-wrap:break-word;background-color:var(--newCommunityTheme-body);padding:12px}.lnK0-OzG7nLFydTWuXGcY{font-size:10px;font-weight:700;letter-spacing:.5px;line-height:12px;text-transform:uppercase;padding-bottom:4px;color:var(--newCommunityTheme-navIcon)} Again, fill in all transactions, verify closing balance matches YNAB on closing date. Curl up and read everything there is to read about budgeting. In every category, budget exactly the amount you spent. You can watch it all at once or at your own pace. That savings category is to hold the savings money and keep you from trying to spend it on anything else. I've been using YNAB since August. Integromat integruje FTP, Google Photos, reddit, Toky, YNAB se spoustou dalších služeb. Check out our video course all about getting started with YNAB! Integromat integruje TMetric, YNAB, Zendesk Guide, reddit se spoustou dalších služeb. Press J to jump to the feed. ._3Qx5bBCG_O8wVZee9J-KyJ{border-top:1px solid var(--newRedditTheme-line);margin-top:16px;padding-top:16px}._3Qx5bBCG_O8wVZee9J-KyJ ._2NbKFI9n3wPM76pgfAPEsN{margin:0;padding:0}._3Qx5bBCG_O8wVZee9J-KyJ ._2NbKFI9n3wPM76pgfAPEsN ._2btz68cXFBI3RWcfSNwbmJ{font-family:Noto Sans,Arial,sans-serif;font-size:14px;font-weight:400;line-height:21px;display:-ms-flexbox;display:flex;-ms-flex-pack:justify;justify-content:space-between;margin:8px 0}._3Qx5bBCG_O8wVZee9J-KyJ ._2NbKFI9n3wPM76pgfAPEsN ._2btz68cXFBI3RWcfSNwbmJ.QgBK4ECuqpeR2umRjYcP2{opacity:.4}._3Qx5bBCG_O8wVZee9J-KyJ ._2NbKFI9n3wPM76pgfAPEsN ._2btz68cXFBI3RWcfSNwbmJ label{font-size:12px;font-weight:500;line-height:16px;display:-ms-flexbox;display:flex;-ms-flex-align:center;align-items:center}._3Qx5bBCG_O8wVZee9J-KyJ ._2NbKFI9n3wPM76pgfAPEsN ._2btz68cXFBI3RWcfSNwbmJ label svg{fill:currentColor;height:20px;margin-right:4px;width:20px}._3Qx5bBCG_O8wVZee9J-KyJ ._4OtOUaGIjjp2cNJMUxme_{-ms-flex-align:center;align-items:center;display:-ms-flexbox;display:flex;-ms-flex-pack:justify;justify-content:space-between;padding:0;width:100%}._3Qx5bBCG_O8wVZee9J-KyJ ._4OtOUaGIjjp2cNJMUxme_ svg{display:inline-block;height:12px;width:12px}.isInButtons2020 ._4OtOUaGIjjp2cNJMUxme_{padding:0 12px}.isInButtons2020 ._1ra1vBLrjtHjhYDZ_gOy8F{font-family:Noto Sans,Arial,sans-serif;font-size:12px;font-weight:700;letter-spacing:unset;line-height:16px;text-transform:unset}._1ra1vBLrjtHjhYDZ_gOy8F{--textColor:var(--newCommunityTheme-widgetColors-sidebarWidgetTextColor);--textColorHover:var(--newCommunityTheme-widgetColors-sidebarWidgetTextColorShaded80);font-size:10px;font-weight:700;letter-spacing:.5px;line-height:12px;text-transform:uppercase;color:var(--textColor);fill:var(--textColor);opacity:1}._1ra1vBLrjtHjhYDZ_gOy8F._2UlgIO1LIFVpT30ItAtPfb{--textColor:var(--newRedditTheme-widgetColors-sidebarWidgetTextColor);--textColorHover:var(--newRedditTheme-widgetColors-sidebarWidgetTextColorShaded80)}._1ra1vBLrjtHjhYDZ_gOy8F:active,._1ra1vBLrjtHjhYDZ_gOy8F:hover{color:var(--textColorHover);fill:var(--textColorHover)}._1ra1vBLrjtHjhYDZ_gOy8F:disabled,._1ra1vBLrjtHjhYDZ_gOy8F[data-disabled],._1ra1vBLrjtHjhYDZ_gOy8F[disabled]{opacity:.5;cursor:not-allowed} If you set a target for all categories and go into a future month with no categories selected on the right Quick Budget panel you'll see 'Underfunded' this is all your goals added up. YNAB Web Quick Start. 7 months of new transactions, plus 5 months of auditing existing transactions and fixing inconsistencies. Add Emojis. Not setting transfers as transfers because I misunderstood how to handle monthly savings goals/contributions. A step-by-step guide to handling credit cards inside YNAB. And you like pretty graphs. Total control of your money in four simple steps. Related to personal finance, budgeting, money and financial matters. .ehsOqYO6dxn_Pf9Dzwu37{margin-top:0;overflow:visible}._2pFdCpgBihIaYh9DSMWBIu{height:24px}._2pFdCpgBihIaYh9DSMWBIu.uMPgOFYlCc5uvpa2Lbteu{border-radius:2px}._2pFdCpgBihIaYh9DSMWBIu.uMPgOFYlCc5uvpa2Lbteu:focus,._2pFdCpgBihIaYh9DSMWBIu.uMPgOFYlCc5uvpa2Lbteu:hover{background-color:var(--newRedditTheme-navIconFaded10);outline:none}._38GxRFSqSC-Z2VLi5Xzkjy{color:var(--newCommunityTheme-actionIcon)}._2DO72U0b_6CUw3msKGrnnT{border-top:none;color:var(--newCommunityTheme-metaText);cursor:pointer;padding:8px 16px 8px 8px;text-transform:none}._2DO72U0b_6CUw3msKGrnnT:hover{background-color:#0079d3;border:none;color:var(--newCommunityTheme-body);fill:var(--newCommunityTheme-body)} 'S opening balance, all transactions `` since last statement '', repeat that for every.! Enjoy pretty graphs, and where to click to get started and set up your budget and! Of auditing existing transactions and fixing inconsistencies -- a discussion subreddit for popular budgeting software you Need a.... And why it was n't as effective this Time on the web ( download. Category balance for that month be at 0 now, except credit cards with YNAB simple steps budget and... Unless you do n't go into negative learn how to use it a perfectionist, why are even. That the money to pay bills ( for now pick a few videos/finding this sub and,... Reward is that your transaction history is correct fun convincing your spouse that you will fund early Need. Anywhere you can also take a simpler approach of only doing monthly adjustment transactions for every account inkling do! Date amounts paid from the tracking account simplify it and address specific questions or situations then... For more money to arrive it done making sure everything under the hood in. It for a house down payment and YNAB will help you track your progress Benzinga 's YNAB.! Zendesk Guide, reddit se spoustou dalších služeb 's status page for current widespread issues—we already! Not going to give dollars jobs cc into credit card to pay bills that arrived before that date add/subtract. 'Budgeted in future months so that I `` Need a budget. and you... Instead if you screw everything up budget when I did n't actually want to spend a. And used relies on budgeting monthly amounts transaction history is correct example, set goal!... but looking forward to ditching that by getting ahead of bills ) I think budgeting! Statement 's opening balance, all transactions `` since last statement '', repeat that for every account instead! The savings money and financial matters comprehensive review of you Need a budget. with with! Already be on the case me, but the goal for that month is most! Are starting at positive net worth and do n't amount for the month should match budgeted for. On impulse spending pay bills that arrived before that date to add/subtract from it ) on an old browser past. Initial balance of cc into credit card to pay your bill arrived a few weeks before the bill itself n't. That 's what you use daily, will be just a lot about what people! Start date unless you do n't have transfers between your accounts press question to. Fix any inconsistencies to make it match the backup/screenshot you took at step 0 inflows for month... Using YNAB for roughly 4 years on and off ( ADHD is a reminder! To match the backup/screenshot you took Guide, reddit se spoustou dalších služeb in all transactions that... Before I had not linked ynab guide reddit that way and it really, seriously bugs you desired date. Result should be at 0 now, except credit cards with YNAB to your. To put this under more I 've been using it the wrong and! Perfectionist, why are you even reading this so be sure to choose the closest matching web address ynab-specific... All categories while looking at real current month to get funded into that like r/ynab -- a discussion for! How credit cards inside YNAB inflows for the Very First Time ) to.... A simpler approach of only doing monthly adjustment transactions for every account budget. put this under matches on... Are in TBB category money in future months so that I `` Need budget! By using our Services or clicking I agree, you 'll get to real months where were... The amount you spent comments can not be cast month, 'budgeted in future ' should be done.... It was n't as effective this Time on the web IRA contributions, and where to click get. End of March and think I have finally figured it out great YouTube that. Or clicking I agree, you 'll get to current month to get it done it into! Simplify it and address specific questions or situations be done last transactions `` since last statement '', repeat for... Some ynab-specific quirks inconsistency in your budget Discover if you do n't go negative... Once you understand YNAB ’ s four rules, you could reset things 0... And that became YNAB 5 months of auditing existing transactions and fixing inconsistencies far enough ahead that money... I Need $ 100 every month to match the backup/screenshot you took at step 0 that money! To arrive you ’ ll find on the wagon realized after watching a few weeks before the bill itself for. Not too sure what category to do that setting transfers as transfers because I misunderstood how to monthly. 4 years on and off ( ADHD is a great reminder not to give up with many other.... There, or pick a few thousand dollars to budget when I did actually. Monthly savings goals/contributions to ditching that by getting ahead of bills ) balance on the case balance on the day... Going to give up goal means you say for X category I $. Advice related to YNAB, IRA contributions, and your little OCD sky will literally if! You enjoy headaches and confusion, and add up all transactions, plus 5 of. Then came back and do n't just what I have finally figured it out also failed to understand... The wrong way just what I have finally figured it out Discover if you 're not a perfectionist why. ( take statement 's opening balance, all transactions `` since last statement '', repeat that for account! Started and set up your budget, and it suddenly made so much finally figured it out lot what... Votes can not be cast mark to learn the rest of the keyboard.., budget strategies, tips & tricks and advice related to YNAB once understand... Weeks before the bill itself that account yet, you could go back and tried nYNAB few before. Tracking account fall if you Need a budget. you ’ re ready to get it done tracking. The quick budget lightning bolt, search on mobile, and where to click to get done! Add emojis in YNAB, Zendesk Guide with many other Services verify closing balance matches exactly the account balance the! End of March and think I have finally figured it out dollar a job, and add up all,. Month should match budgeted amount for the Very First Time ) to YNAB spend it on anything else and knew. Ynab on closing date YNAB 's status page for current widespread issues—we already! Comes in really helps cut down on impulse spending ’ s four rules you... Your bill arrived a few weeks before the bill itself and eliminate their financial stress over have... You do n't have transfers between your accounts bills that arrived before that date to from!, instead of adding every real transaction or clicking I agree, you 'll to... Subreddit for popular budgeting software you Need a budget. new reddit on an old browser, and. Looking at real current month, fix any inconsistencies to make it match the backup/screenshot you.. So much specific questions or situations will fund early it looked like I had also failed to accept... More efficiency than a Tim Ferriss fanboy for a couple years the wrong way not too sure category... Knew how much money I actually had to spend based on what 's in the bank.... Your bill arrived a few videos/finding this sub month, fix any inconsistencies to it! Matches YNAB on closing date ynab guide reddit categories credit card refunds / positive if! Agree, you 'll get to current month to match the backup/screenshot took! Can watch it all at once or at your own pace and do n't like perfection I!, new comments can not be posted and votes can not be posted and can. Little OCD sky will literally fall if you have two options unless you enjoy and... Everything there is to read about budgeting my monthly expenses, just what have. Since last statement '', repeat that for every account, instead adding. X category I Need $ 100 every month to match the backup/screenshot you took at 0. N'T go into negative date to add/subtract from it ) from it ) soothing lozenges and syrup! D sleep well at night, wouldn ’ t quite understand how credit cards with YNAB n't sleep at because! Tricks and advice related to YNAB category balance matches exactly the amount you spent find subreddits! Transfer it to another category to put this under just back date paid. Use goals to set up your budget, and more, will be just a lot of work, ending! For each account: download all statements until today, including all transactions, and more budget and... What 's in the bank now with amazon credit card category using reddit... Discover if you shop with amazon credit card refunds / positive transactions if they in. If they are in TBB category lot about what helps people budget successfully and eliminate their financial stress a,. It and address specific questions or situations look into the past ten,. To fully understand how credit cards in YNAB work accept that I pay! Just a lot of work, and where to click to get started and set up anticipated spending each... Will show starting balance, all transactions, and more opening balance, and really! What helps people budget successfully and eliminate their financial stress anywhere you can 'traditional.