In every category, budget exactly the amount you spent. It used to be at the end of the month I was doing a bunch of math on paper trying to make sure the right amount of money was in the right places, that I had money for bills the next month that arrived before the paychecks, and that I wasn't paying more than I could afford on the card. I've been using YNAB since August. Hopefully I am doing it right now! ._2YJDRz5rCYQfu8YdgB_neb{overflow:hidden;position:relative}._2YJDRz5rCYQfu8YdgB_neb:before{background-image:url(https://www.redditstatic.com/desktop2x/img/reddit_pattern.png);content:"";filter:var(--newCommunityTheme-invertFilter);height:100%;position:absolute;width:100%}._37WD6iicVS6vGN0RomNTwh{padding:0 12px 12px;position:relative} Check out our video course all about getting started with YNAB! (Take statement's opening balance, and add up all transactions before that date to add/subtract from it). This tutorial will walk you through every single detail of using credit cards with YNAB. The most important thing about budgeting is starting. For any credit card rewards you redeemed against statement balance, you will need to always manually adjust to unbudget the same amount from cc budget category. If I got the inkling to do that, I could just back date amounts paid from the tracking account? Looks like you're using new Reddit on an old browser. I had been using it for a couple years the wrong way and never knew how much money I actually had to spend! Unless you enjoy headaches and confusion, and your little OCD sky will literally fall if you don't. Last month I had my savings accounts in the tracking accounts part so that I could move my 200 car savings out and have an activity there for it. Find pros, cons, platform features, pricing and more. But because you were simply far enough ahead that the money to pay your bill arrived a few weeks before the bill itself. Don't do it. 7 months of new transactions, plus 5 months of auditing existing transactions and fixing inconsistencies. Go ahead and have some fun with it.IMPORTANT! I've been using YNAB for roughly 4 years on and off (ADHD is a bitch of a thing). Cookies help us deliver our Services. A guide to making your money work for ... and that became YNAB. ._3-SW6hQX6gXK9G4FM74obr{display:inline-block;vertical-align:text-bottom;width:16px;height:16px;font-size:16px;line-height:16px} That savings category is to hold the savings money and keep you from trying to spend it on anything else. For transfers, log them in as transfer from correct account. When you get to real months where you were already budgeting for real, you could reset things to 0. Feel free to post any news, questions, budget strategies, tips & tricks and advice related to YNAB. ._3gbb_EMFXxTYrxDZ2kusIp{margin-bottom:24px;text-transform:uppercase;width:100%}._3gbb_EMFXxTYrxDZ2kusIp:last-child{margin-bottom:10px} So much simpler! You can also take a simpler approach of only doing monthly adjustment transactions for every account, instead of adding every real transaction. In this guide, you’ll learn everything you need to know about YNAB, whether or not it’s right for you, how to set it up, and common pitfalls people face when starting YNAB. So it looked like I had a few thousand dollars to budget when I didn't actually want to spend it. That’s what finally helped me understand. Inflows = Budgeted amount. ._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)} Total control of your money in four simple steps. But then I got a throat-infection from hell and I had nothing to take care of it. If it doesn't, find the problem and fix it. Credit card category balances MUST match cc account balance. Credit cards, if that's what you use daily, will be just a lot of work, and have some ynab-specific quirks. All accounts should be backfilled to about the same start date unless you don't have transfers between your accounts. But the goal for that month is the same. Praise For "You Need A Budget" You’re going to love this book When your financial planner says you need a budget, it’s like a door slamming shut on a happy future. Everything should be at 0 now, except credit cards. I’m not going to give up though because of all the success stories I’ve read. Ever wish you could go back and do something all over again? Every step make sure most categories are 0 except for credit cards (which should always match account balance on end date of the month) and your savings accounts. ._33axOHPa8DzNnTmwzen-wO{display:block;padding:0 16px;width:100%}.isNotInButtons2020 ._33axOHPa8DzNnTmwzen-wO{font-size:14px;font-weight:700;letter-spacing:.5px;line-height:32px;text-transform:uppercase} For example, set a goal to have $20,000 budgeted for a house down payment and YNAB will help you track your progress. I just caught on to the concept of “floating” and only budgeting money when it comes in, but I’m still not grasping something. Learn how to add emojis in YNAB, use the quick budget lightning bolt, search on mobile, and more! .Rd5g7JmL4Fdk-aZi1-U_V{transition:all .1s linear 0s}._2TMXtA984ePtHXMkOpHNQm{font-size:16px;font-weight:500;line-height:20px;margin-bottom:4px}.CneW1mCG4WJXxJbZl5tzH{border-top:1px solid var(--newRedditTheme-line);margin-top:16px;padding-top:16px}._11ARF4IQO4h3HeKPpPg0xb{transition:all .1s linear 0s;display:none;fill:var(--newCommunityTheme-button);height:16px;width:16px;vertical-align:middle;margin-bottom:2px;margin-left:4px;cursor:pointer}._1I3N-uBrbZH-ywcmCnwv_B:hover ._11ARF4IQO4h3HeKPpPg0xb{display:inline-block}._2IvhQwkgv_7K0Q3R0695Cs{border-radius:4px;border:1px solid var(--newCommunityTheme-line)}._2IvhQwkgv_7K0Q3R0695Cs:focus{outline:none}._1I3N-uBrbZH-ywcmCnwv_B{transition:all .1s linear 0s;border-radius:4px;border:1px solid var(--newCommunityTheme-line)}._1I3N-uBrbZH-ywcmCnwv_B:focus{outline:none}._1I3N-uBrbZH-ywcmCnwv_B.IeceazVNz_gGZfKXub0ak,._1I3N-uBrbZH-ywcmCnwv_B:hover{border:1px solid var(--newCommunityTheme-button)}._35hmSCjPO8OEezK36eUXpk._35hmSCjPO8OEezK36eUXpk._35hmSCjPO8OEezK36eUXpk{margin-top:25px;left:-9px}._3aEIeAgUy9VfJyRPljMNJP._3aEIeAgUy9VfJyRPljMNJP._3aEIeAgUy9VfJyRPljMNJP,._3aEIeAgUy9VfJyRPljMNJP._3aEIeAgUy9VfJyRPljMNJP._3aEIeAgUy9VfJyRPljMNJP:focus-within,._3aEIeAgUy9VfJyRPljMNJP._3aEIeAgUy9VfJyRPljMNJP._3aEIeAgUy9VfJyRPljMNJP:hover{transition:all .1s linear 0s;border:none;padding:8px 8px 0}._25yWxLGH4C6j26OKFx8kD5{display:inline}._2YsVWIEj0doZMxreeY6iDG{font-size:12px;font-weight:400;line-height:16px;color:var(--newCommunityTheme-metaText);display:-ms-flexbox;display:flex;padding:4px 6px}._1hFCAcL4_gkyWN0KM96zgg{color:var(--newCommunityTheme-button);margin-right:8px;margin-left:auto;color:var(--newCommunityTheme-errorText)}._1hFCAcL4_gkyWN0KM96zgg,._1dF0IdghIrnqkJiUxfswxd{font-size:12px;font-weight:700;line-height:16px;cursor:pointer;-ms-flex-item-align:end;align-self:flex-end;-webkit-user-select:none;-ms-user-select:none;user-select:none}._1dF0IdghIrnqkJiUxfswxd{color:var(--newCommunityTheme-button)}._3VGrhUu842I3acqBMCoSAq{font-weight:700;color:#ff4500;text-transform:uppercase;margin-right:4px}._3VGrhUu842I3acqBMCoSAq,.edyFgPHILhf5OLH2vk-tk{font-size:12px;line-height:16px}.edyFgPHILhf5OLH2vk-tk{font-weight:400;-ms-flex-preferred-size:100%;flex-basis:100%;margin-bottom:4px;color:var(--newCommunityTheme-metaText)}._19lMIGqzfTPVY3ssqTiZSX._19lMIGqzfTPVY3ssqTiZSX._19lMIGqzfTPVY3ssqTiZSX{margin-top:6px}._19lMIGqzfTPVY3ssqTiZSX._19lMIGqzfTPVY3ssqTiZSX._19lMIGqzfTPVY3ssqTiZSX._3MAHaXXXXi9Xrmc_oMPTdP{margin-top:4px} Since topic of backfilling transactions gets brought up occasionally, I'll share my experience doing it in a form of a guide, which I hope you find useful. Another tip is to begin with a separate, new budget file, so you really don't screw up your main file - you can always make your new file your main file if you find you did it right. Pretty convenient, huh? Making sure everything under the hood is in order. You would just transfer it to another category to do that. Really, it's a waste of time. Step 2 - transaction history. 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. Not setting transfers as transfers because I misunderstood how to handle monthly savings goals/contributions. You have some inconsistency in your budget, and it really, seriously bugs you. Yeah, it happened to us too. 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 ;) ). Your reward is that your transaction history is correct. ._3bX7W3J0lU78fp7cayvNxx{max-width:208px;text-align:center} I put aside 200 a month for our cars but I have only just figured out that I can leave it accumulate in the car category 'available' column and don't need to account for that money with an 'activity'. Here were some of my main mistakes: Not budgeting the balances of my savings accounts that I wanted to remain saved (when I initially imported the accounts). 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. Integromat gives you the ability to integrate reddit, YNAB, Zendesk Guide with many other services. Fell off the wagon, then came back and tried nYNAB. 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Just a lot of work, and have fun convincing your spouse that you will fund early last statement,! Can also take a simpler approach of only doing monthly adjustment transactions for account... Their definitions so much sense use daily, will be just a lot about what helps budget. If it does n't, find the problem and fix it convincing your spouse that 're!