Question about recording loans in YNAB
What’s the ...
# budgetingl
little-ocean-75525
09/09/2025, 3:51 PMQuestion 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?
m
mysterious-tomato-10057
09/09/2025, 3:52 PMg
gorgeous-computer-9973
09/09/2025, 3:59 PMI use a tracking/asset account
m
mysterious-tomato-10057
09/09/2025, 3:59 PMThat is one of my suggestions
g
gorgeous-computer-9973
09/09/2025, 3:59 PMCorrect
gorgeous-computer-9973
09/09/2025, 3:59 PMI think it’s a lot easier if it stays out of budget
l
little-ocean-75525
09/09/2025, 4:00 PMThanks
little-ocean-75525
09/09/2025, 5:05 PMHi,
I did option 2. It shows me my CC balance is $0.00, and my account "money owed to us" has a balance of -$1000. In my plan, it shows I have available -$1000 for my CC payment.
I did it right? Why is MY cc balance $0 if i didnt pay it yet?
m
mysterious-tomato-10057
09/09/2025, 5:07 PMdid you touch the credit card? No step should involve the credit card here
l
little-ocean-75525
09/09/2025, 5:08 PMThe money i layedout was by swiping my CC for $1000
m
mysterious-tomato-10057
09/09/2025, 5:09 PMi understand but the transfer into the non-tracking account was between two bank accounts?
l
little-ocean-75525
09/09/2025, 5:10 PMWhich two bank accounts?