Does anyone have a recurring issue in YNAB where certain specific transactions are regularly mis-categorized because the same "Payee" belongs in different categories depending on other factors? I have this issue in a few areas, and I wrote a script to highlight those rows on YNAB so I can pay special attention to them. I'm just wondering if this is the type of thing that would help other people too or not

Has anyone else had issues with ynab importing confusing transactions? I see that for some reason the credit card payment doesn't have a payee on the checking account side, I add it, I see that I now have to two credit card transfers for the same amount and same day, and then I see that one of them has an imported payee indicating it was an investment account transfer (so I then switch it to match the imported payee)

Fan Fest Reflections: Spendfulness Is About More Than Just Stuff Jesse reflects on his interactions with YNAB'ers at the recent Fan Fest in Minneapolis, and how spendfulness manifested in many different ways. One important takeaway for Jesse was that while practicing spendfulness could mean taking a cool international vacation, or buying something fun and interesting (and those are totally valid things to spend money on!), it could also mean having the freedom and peace of mind to take risks and embark on new ventures.   Watch The Jesse Mecham Show on...

shoutout to Aldi's - their store brand has very good imitations of major brands - think Hellman's mayo, Heinz ketchup And their brand of Snackers crackers is pareve! Just don't spend everything you save in the closeouts aisle 😆 I have also become a walking advertisement for Primark, clothes at Walmart prices but much better quality.

You Can Stop Second Guessing with Money We talk about how YNAB is the ultimate weapon against money stressors -- as you gain control over your spending, learn to give every dollar a job, and bring your spending in line with your priorities, the stresses decrease and are replaced by a growing confidence. There are other psychological "costs" of money, such as the anxiety and mental overhead created by second guessing your choices.   Should I buy this? Can I even afford it? Should I have bought that? Is this what we should be doing...

I have a question here. new guy so perhaps this was posted already I am on YNAB for 6 months and its the first time I can say I am a bit in control! I read the article on frum.finance re YNAB reimbursements and am shy to say, tried for 2 hours to replicate the chain and cant get it to work. something is missing in my understanding (or in the wording of the article :)) How do I get to reconcile the CC account after all that? it shows (exactly as per your screenshot) a transaction out (the origianl reimbursable), it shows "as if" the money came in the account from the "money owed to us" account but the money did not actually come in! so I cannot reconcile. in the end, I paid money out and am waiting for the money to come in, so I cant understnad the whle method. what am I missing ?

is there any way to getting YNAB free (other than free month through referrals?

These 5 Simple Questions Beat Your Spreadsheet For some reason when the topic of money comes up, many people immediately want to jump into Excel and start exercising the so-called rational part of their brain. Money seems to demand sober, quantitative analysis, devoid of emotion which obfuscates the mathematical truth of the situation. Yet we rarely make decisions in a purely rational manner; emotion plays a large, if not bigger role, than rational thinking in how we choose to act. And if there's anything you've learned hanging around...

Why Buy Now, Pay Later is the WORST Way to Spend Jesse has ranted about credit cards and their pernicious way of separating you from your money, both literally and metaphorically -- obfuscating the way you spend and distancing your priorities from the point of sale. Today he warns against the newest form of this pernicious spending: buy now, pay later programs. It's like a credit card you don't have to sign up -- just purchase an item, and via an app like Klarna or Affirm, you can split up the cost of that item over several smaller...

Can You Afford to Make Mistakes? Flying airplanes is serious business. Mistakes are costly, not just because of the cost of the aircraft; if you're flying people, their lives are on the line. Jesse knows this better than most, having two brothers who are pilots. One day he overheard them talking shop and narrowed in on a common occurence they had teaching student pilots to fly -- these pilots were afriad of "hooking," that is, making a mistake on a flight and having to redo the assignment.   Jesse realized that everyone,...

How much do people budget for daycamp? What's the typical cost per kid for K-5 grades? In lakewood if it matters but let's assume a typical day camp, nothing exotic or super fancy. My oldest is still pre-school aged, so I have no idea what a typical summer costs once they get past daycare

Is there a general rule for how much I should be spending on rent? I am looking into moving and the additional rent (on top of what the government pays) is a substantial amount of my take home pay

Change Your Plan, Today! Personal finance is personal, as the saying goes, and the only constant in life is change, to employ another saying. On that note, Jesse issues a challenge in today's episode: change your plan! Add a category, put some money in it, delete a category, shuffle some dollars around... just make a change. This is a reminder to yourself that the beauty of a plan is it's flexibility. As life changes, your plan can change along with it.     Watch The Jesse Mecham Show on YouTube: <a...

https://yeshivishhats.com/ has $89 hats. I've bought them and liked them. I haven't seen anything close to this price elsewhere.

It's OK to Move Your Goalposts You've probably heard the term "moving the goalposts," that is, a deceptive argument strategy in which you change the question, the criteria, or the standard by which you are evaluating something. The metaphor comes from sports, and it's a good metaphor for personal finance. Early in our adult lives we make a lot choices because money is scarce -- you choose to live with roommates instead of your own apartment, you skip buying something you want to prioritize schooling or training, for...

That's it, I'm creating a new category under "savings" called "cash reserves". It's too easy to mess up when I zelle my babysitter and YNAB uses the cash that I put in my babysitting category

Can we please get some more YNAB users helping test #C093EMUUC68? Lots of updates recently based on all the waves of prior feedback!

In YNAB, how do I create a delayed start to start saving for a target? Say I have a target of $2000 for camp in June. I don't want to be bugged saving for it until January and I don't want the account to show underfunded in the months before January. Any tips how to accomplish this?

Hi everyone, I’m currently using Monarch for budgeting, and overall, I find it helpful. That said, I’ve been hearing about YNAB, and I’m curious if it’s worth considering a switch. Has anyone here moved from Monarch to YNAB? If so, what differences or benefits did you notice? Was it easier for you to stay on top of your budget, manage debt, or save more effectively? I’d really appreciate hearing about your experience — both the pros and cons — to help me decide if it makes sense to explore YNAB further.

Why Is It So Freaking Hard to Save Money? (And How to Make It Easier) Saving vs spending... there's no question which one is more fun, right? Obviously, spending! By comparison, saving feels like a chore, something you ought to do, the responsible thing to do, but is definitely less fun. After all, you get something when you spend -- an item, an experience, a service. With saving you get, well, just more money in a pile somewhere.   As Jesse points out, no one says "I have a saving problem" but you hear "I have a spending problem" all the time. It's because...

Run Your Money Like a Football Team Football season is nearly upon us, and Jesse is thinking about the pigskin again. And money, of course. When you look at the great sports movies, they usually revolve around a struggling team -- often a team of stragglers and dubious athletes -- and a great coach who motivates them, helps them find their desire to compete, and puts them in positions to maximize the abilities they do have. You can do the same thing with your money. Give your dollars jobs, identify the best places to use your...

I set up a short-term goal in YNAB to save, for instance, for a piece of jewelry. Once I reached the goal and purchased the jewelry, how should I categorize the spending? Do you record it as an expense (e.g., under “Shopping” or “Personal”), or is there a better way to handle purchases that were tied to a goal?

Hi, I am trying to set up YNAB, and it tells me I have $145.86 Overspent in the category Uncategorized Transactions. I can’t see what it’s referring to. Can you give me advice on how to figure this out?

I'm trying to fix an issue in YNAB and need help. They don't seem to have a support phone number, and it's a little too complicated for me to try typing out, much easier to show someone. Are there any experts out there who could lend me 5 mins?

Anyone have experience using the qube money app?

Ok ynab. When creating a target which one would you choose? Refill up to or set aside each month?

I'm thinking about trying out YNAB since I've been slacking off on my spreadsheet method. It seems like most people here are pro YNAB. Are there any other alternatives I should check out also? Thanks!

How's That "No Buy Year" Going? Did you make a resolution to have a "no buy year" this year? How's that going? While Jesse loves the idea of a no-buy year, mainly because he loves to experiment with money and behavior, he admits the concept of it is flawed. A "no buy year" typically means you refrain from making any non-essential purchases so that you can save more money. As Jesse explains, though, saving money really means being good at spending money, and the way you get good at that... is to spend money! Spend money...

Hi, usually when I have a surplus in my categories from a month, it will carry over to the new month, and, default to assigning the full amount for that category’s target. For some reason this month is only showing underfunded as the remaining amounts that are needed to refill each category to its target. Could it be because I started filling some of the categories in advance which I don’t usually do and that broke the YNAB system?

This is a very confusing screen, what is supposed to happen when I type in 80 and press done? Sometimes it adds that amount to whatever is already assigned (making it 130 assigned) and sometimes it overwrites it (making it 80 assigned)