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# budgeting
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    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...
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    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?
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    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?
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    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?
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    Anyone have experience using the qube money app?
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    Ok ynab. When creating a target which one would you choose? Refill up to or set aside each month?
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    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!
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    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...
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    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?
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    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)
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    Any recommendations for groups and subgroups in YNAB that give me a head start, without ending up with 100 groups?
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  • l
    Question about recording loans in YNAB What’s the best way to handle situations where I loan money out? • Example 1: My son asked me to use my credit card for a purchase, and he’ll pay me back. • Example 2: Lending money to help cover a family simcha, and relatives are repaying me in portions. • Example 3: Covering something for siblings, with them reimbursing me later. How do you record these types of transactions in YNAB so they stay accurate and don’t mess up the plan?
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    Hi, By error, I deleted my starting balance of the CC how can I get it back?
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    Hi @mysterious-tomato-10057, does frum.finance still consider applicants for the free YNAB license? I submitted the application through the workflow
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  • a
    Ever Thought About Money at 3AM? Money shouldn't keep you up at night, and it doesn't have to! Giving every dollar a job and asking yourself five questions about what your money needs to do not only grows your bank account, it gives you peace of mind (and better sleep)     Watch The Jesse Mecham Show on YouTube: https://www.youtube.com/@jessemechamshow   Got a question for Jesse? Send him an email: <a...
  • l
    Newbie YNAB question - my kids school has a program where you give them a lump sum and they put it on to my account at the local grocery store. I put in a large amount every few months and am wondering what the best way to deal with it in YNAB. I don't want to categorize it as a grocery transaction since it covers groceries for a few months and it would mess up how I track monthly spending. Another option is to make an account in YNAB for this money and use it as sort of a cash account, manually tracking every time I shop at the grocery. Does anyone have a better idea? Thanks!
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    Does anyone here use by simplifi by quicken? What are the pros/cons to ynab?
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    How do you allocate money left over in one month to the next month in YNAB?
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    Money Doesn't Have to Control You When you don't have a plan for your money, it can feel like money is in control of your life. That can be a terrifying feeling! YNAB can not only help you set a plan for your money, but reclaim control of your money, and control over your life.     Watch The Jesse Mecham Show on YouTube: https://www.youtube.com/@jessemechamshow   Got a question for Jesse? Send him an email: askjesse@ynab.com (<mailto:askjesse@ynab.com>)   Sign...
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    My YNAB Ready to Assign is way higher than my bank account. Is there a quick way to figure out what's going on other than wading thru dozens of transactions?
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    In YNAB, under “Cost to Be Me” → September’s Targets, is there a way to see how that number is actually calculated and from which categories it’s pulling?
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  • a
    Stop Worrying about Your Kid Getting Into Yale It's no secret, college is expensive. But if you haven't looked in a few years, college has gotten really expensive, especially certain schools with a lot of name recognition and clout. Jesse has a senior in high school, so as he's been helping with the college application process, he's been pondering: is college worth it? And more importantly, is every college worth it?   As Jesse balks at the eye watering price of Yale (over $100k a year now), he urges listeners to really check in with...
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    How to Stop Worrying About Money (If You're Not a Billionaire) When worry creeps in to your money, the knee jerk response is to think: "I just need to make more money, that will solve my problems." But as Jesse shares in a humorous conversation with his daughter, it's interesting how quickly you can spend more and more money in your mind. Unless you're a billionaire, money has a way of becoming stressful when you're only solution is to need more and more of it.   Jesse's approach when worry creeps in? Double down on YNAB. Go back to giving every dollar a...
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    Money Is the Medium, Money Is You | Jesse Live from Fan Fest Minneapolis 2025 In June 2025 at YNAB Fan Fest Minneapolis, Jesse gave a talk about how money is a medium -- not just of exchange, but, ultimately, of you. When you really examine what it is that money does in the world, it is a thing which translates your energy and effort (required to earn the money) into tangible goods and services. When you draw a throughline between your work and your spending, money just falls away. It's simply a medium for you to express yourself in the world.   Sign up for YNAB Fan...
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    I have a CC with cashback. The money doesn't seem to go anywhere. At the end of the statement, the amount I spent on the card exactly gets debited from my checking account. The reward amount just seems to be something showing on my statement. I assume at somepoint later it will get to me? But in the meantime, how do I deal with this. It's not spendable money so I can't do RTA, and it doesn't reduce my statement balance
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    Changing The Rules of Money | Dave Crombleholme Live from Fan Fest Minneapolis 2025 In today's episode, Jesse hands over the mic to YNAB team member Dave Crombleholme, who presented at the Minneapolis Fan Fest in June 2025. Dave is perhaps most famous for his idea of the Wish Farm at YNAB, but he's also spent a long time wrestling with the word budget. In Dave's presentation, he outlines various iterations of the YNAB rules over the years, explains why the concept of rules never sat right in the first place, and how trying...
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    Jesse Is Taking a Short Break: Stay Tuned! Jesse is taking a short break while he's on the road. He'll be back in a couple weeks!   Follow Budget Nerds on YouTube: https://www.youtube.com/channel/UCuIUGmbCDklkDCDm-cQqv2g     Watch The Jesse Mecham Show on YouTube: https://www.youtube.com/@jessemechamshow   Got a question for Jesse? Send him an email: askjesse@ynab.com (<mailto:askjesse@ynab.com>)  ...
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    Anyone have a yomtove outline budget list. Chanukah (candela, oils, ect) Purim shalach manos ect...I know everyone spends different by the line items are more or less the same
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    I’m looking at budget share and seeing the rent/mortgage numbers around $1500-3000. Maybe a self selecting group. In north Jersey decent homes are 800k+ easy. No where close unless you put 50% down and even then with property tax your above that. Thread in Slack Conversation
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    Hi, In YNAB, can you see the total amount of Targets for the Month?
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