https://boards.hellobee.com/ Pregnancy, Baby and Parenting blog, by Hellobee en Tue, 26 May 2026 08:56:43 +0000 https://boards.hellobee.com/topic/who-uses-ynab#post-1549148 Sun, 06 Apr 2014 12:22:04 +0000 regberadaisy 1549148@https://boards.hellobee.com/ <p>@Mrs. Pen: I'm a complete novice! @mrs high heels is the YNAB guru! I'll take a screen shot later. </p> https://boards.hellobee.com/topic/who-uses-ynab#post-1549142 Sun, 06 Apr 2014 12:18:27 +0000 Mrs. Pen 1549142@https://boards.hellobee.com/ <p>@locavore_mama: That was one main reason I disliked mint so much. I didn't want my bank account linked to it. </p> <p>You should come over and teach me hahah </p> https://boards.hellobee.com/topic/who-uses-ynab#post-1549136 Sun, 06 Apr 2014 12:13:20 +0000 regberadaisy 1549136@https://boards.hellobee.com/ <p>@Mrs. Pen: I can respond in better detail when I'm at my laptop. But at each month, next to the month there is a little lightning. If you click on that it give you the option to copy last month's budget to that month.<br /> You can also input the following months income and just not clear it yet. But like at Mrs high heels post mentioned; the program isn't meant to be used that way. </p> <p>I like it because it lets me budget as many categories as I wish. I can input expenses immediately and know how much I have left in each budget category.<br /> I did a excel spreadsheet for a while and honestly it wasn't for me. </p> <p>YNAB has saved me a ton of time. And I like that I don't have to give out any financial information. </p> https://boards.hellobee.com/topic/who-uses-ynab#post-1549088 Sun, 06 Apr 2014 11:04:01 +0000 Mrs. Pen 1549088@https://boards.hellobee.com/ <p>@looch: I actually have an excel sheet set up as well. I am using both right now to toy with what I like best. I have been using the dave ramsey monthly budget sheet that I just print out, and it's worked well too. </p> https://boards.hellobee.com/topic/who-uses-ynab#post-1549075 Sun, 06 Apr 2014 10:54:44 +0000 mrsrain 1549075@https://boards.hellobee.com/ <p>@Mrs. Pen: I hear ya; I used it for a couple of years and still check it occasionally for trends in our spending, but I actually do most of our budgeting/tracking in a google doc spreadsheet. Hope you find something that works for you! </p> https://boards.hellobee.com/topic/who-uses-ynab#post-1549074 Sun, 06 Apr 2014 10:54:26 +0000 looch 1549074@https://boards.hellobee.com/ <p>We use an excel spreadsheet. There are twelve tabs, one per month in the year. When the month is over, the budget becomes the actual spend and we know if we're over or under.</p> <p>My husband manually imports our transactions, so it's not ideal if you want to know where you are at any given point in the month. I wanted to get YNAB, but I just can't justify the spend for a budgeting tool when I have the data already, if that makes sense. </p> https://boards.hellobee.com/topic/who-uses-ynab#post-1549071 Sun, 06 Apr 2014 10:52:08 +0000 Mrs. Pen 1549071@https://boards.hellobee.com/ <p>@mrsrain: I tried using mint and it really wasn't for me personally. I know many who loved it, but I wasn't a fan! I actually used YNAB as a teen when my dad was teaching me about budgeting! But it's changed a lot since then.</p> <p>@Mrs. High Heels: thanks. I don't have a ton of time to learn it, and I'm afraid I may like to stick to a paper budget, which is what we do...but I thought this might save time and effort. </p> https://boards.hellobee.com/topic/who-uses-ynab#post-1549070 Sun, 06 Apr 2014 10:51:57 +0000 matador84 1549070@https://boards.hellobee.com/ <p>I was incredibly confused at first but now I am obsessed! I'm still learning a lot, but I signed up for their emails and by learning the four rule like pp mentioned it helps a ton. </p> https://boards.hellobee.com/topic/who-uses-ynab#post-1549063 Sun, 06 Apr 2014 10:40:56 +0000 mrsrain 1549063@https://boards.hellobee.com/ <p>Not familiar with ynab, but Mint might be a good option for you. It shows you the big picture as well as where you are on your budget at the moment. Pretty easy to personalize. </p> https://boards.hellobee.com/topic/who-uses-ynab#post-1549058 Sun, 06 Apr 2014 10:38:50 +0000 Mrs. High Heels 1549058@https://boards.hellobee.com/ <p>@Mrs. Pen: no, there is no way around it. the main premise of ynab is to budget what you have. i never budget more than one month ahead. i think this is probably the one downside of ynab if you're trying to plan ahead. if you don't already have a "buffer" (living on last month's paycheck), then you will always be in the red at the beginning of the month. the ynab forums, articles, and videos that are on their site are very helpful to help you get started. i'd recommend reading up on their four rules and go from there! </p> https://boards.hellobee.com/topic/who-uses-ynab#post-1549038 Sun, 06 Apr 2014 10:13:43 +0000 Mrs. Pen 1549038@https://boards.hellobee.com/ <p>I just started my trial and decided to input all transactions starting 03/31.... but I am finding it confusing to use. Even though I added the future income, it doesn't show up for future months, so it will say I'm overbudgeted by X amount, but that's because there is no income yet for that month. Is there a way around this? I'd like to be able to see, for future months, income vs what is budgeted. </p> <p>What other tips are helpful for using the program? So far I just find it confusing, but I wonder if it gets easier as time goes on and you have more transactions/income to go off of? </p>