https://boards.hellobee.com/ Pregnancy, Baby and Parenting blog, by Hellobee en Mon, 27 Apr 2026 15:23:18 +0000 https://boards.hellobee.com/topic/ynab-2015-chat-thread/page/6#post-2455075 Tue, 09 Feb 2016 11:32:16 +0000 snowjewelz 2455075@https://boards.hellobee.com/ <p>I would love a 2016 chat thread too! I just started my free trial for the web based one and have lots of questions! </p> https://boards.hellobee.com/topic/ynab-2015-chat-thread/page/6#post-2411492 Wed, 06 Jan 2016 14:48:14 +0000 AprilFool 2411492@https://boards.hellobee.com/ <p>@cmomma17: If it's only out a little I usually just do a fake transaction to even it up since I don't want to start again/lose my data. </p> https://boards.hellobee.com/topic/ynab-2015-chat-thread/page/6#post-2410861 Wed, 06 Jan 2016 08:11:25 +0000 cmomma17 2410861@https://boards.hellobee.com/ <p>Is this thread still active or will there be a 2016 one? I have questions! :)<br /> I have been using YNAB for years, but not following the "YNAB way" exactly.<br /> As a result, I don't think my numbers match up exactly (checking account to YNAB). I want to "reset" so my numbers are correct from here on out, but I'm scared to screw everything up! :)<br /> Any advice? </p> https://boards.hellobee.com/topic/ynab-2015-chat-thread/page/6#post-2403432 Tue, 29 Dec 2015 16:44:41 +0000 DillonLion 2403432@https://boards.hellobee.com/ <p>@TemperanceBrennan: Oh man that article just made the new YNAB super tempting! </p> https://boards.hellobee.com/topic/ynab-2015-chat-thread/page/6#post-2403326 Tue, 29 Dec 2015 15:07:03 +0000 artsyfartsy 2403326@https://boards.hellobee.com/ <p>@gotkimchi: I haven't heard anything about it. We've used YNAB regularly for 2 years straight now. I'll have to look into it! </p> https://boards.hellobee.com/topic/ynab-2015-chat-thread/page/6#post-2403321 Tue, 29 Dec 2015 15:03:53 +0000 TemperanceBrennan 2403321@https://boards.hellobee.com/ <p>The YNAB blog post today has me thinking about the new version. There are a lot of new perks that I like. Not sure it will make me jump the subscription/internet hurdle, but I am intrigued.</p> <p>ETA: Here's the link <a href="http://www.youneedabudget.com/blog/2015/your-finances-will-be-less-tedious-super-focused-and-older-with-the-new-ynab/" rel="nofollow">http://www.youneedabudget.com/blog/2015/your-finances-will-be-less-tedious-super-focused-and-older-with-the-new-ynab/</a> </p> https://boards.hellobee.com/topic/ynab-2015-chat-thread/page/6#post-2401869 Mon, 28 Dec 2015 13:24:51 +0000 gotkimchi 2401869@https://boards.hellobee.com/ <p>The new ynab launches in 2 days. I think I'm going to try it </p> https://boards.hellobee.com/topic/ynab-2015-chat-thread/page/6#post-2349452 Mon, 09 Nov 2015 15:25:56 +0000 .twist. 2349452@https://boards.hellobee.com/ <p>@TemperanceBrennan: I agree. Privacy, I can definitely get over. I don't put any real data in there that could be tracked back to me. People have argued (in the YNAB forums) that you can find ENOUGH info to get an idea about what kind of person you are, religious affiliation, ideologies, charities, hobbies, general spending habits. </p> <p>@gotkimchi: I haven't read enough about their security credentials either. I know that I, initially, wouldn't be connecting my accounts to any of my banks. I'm just NOT ok with that. So, the rest of the privacy issue goes back to just not putting a lot of identifying info in my budget/notes. Which isn't hard. It just... sucks. It's definitely something I'm trying to work on getting over. LOL </p> https://boards.hellobee.com/topic/ynab-2015-chat-thread/page/6#post-2349437 Mon, 09 Nov 2015 15:20:18 +0000 TemperanceBrennan 2349437@https://boards.hellobee.com/ <p>@.twist.: I'm working through the same feelings. The bigger issue for me regarding the internet-only things is less about security (we don't have our account numbers in YNAB) or privacy - but being able to access it on our laptops or tablets when we don't have internet access - when we go to coffee shops and don't connect to internet (where we do our monthly budget meeting) or in the car during road trips (this happens pretty frequently with us). </p> https://boards.hellobee.com/topic/ynab-2015-chat-thread/page/6#post-2349420 Mon, 09 Nov 2015 15:15:19 +0000 gotkimchi 2349420@https://boards.hellobee.com/ <p>@.twist.: I really agree with the web based! I want web based AND on my computer! I also was reading that some people were concerned they don't have the proper security credentials to keep your information safe - idk too much about that but it will be interesting to see what happens! I agree that the price seems high! I know they also said they won't cripple ynab 4 but idk why they would keep supporting it when they can make so much more money </p> https://boards.hellobee.com/topic/ynab-2015-chat-thread/page/6#post-2349411 Mon, 09 Nov 2015 15:08:59 +0000 .twist. 2349411@https://boards.hellobee.com/ <p>@gotkimchi: Well, I've been reading about it a lot today trying to work through my feelings about it. Haha. As far as I've seen, YNAB is not even close to the most expensive option. With Dave Ramsay's competitor product coming in at $99/year. But it's also not the cheapest (although I've never used the cheapest option, so I can't compare). </p> <p>There are a few issues I have with YNAB5:</p> <p>1. I have known this was coming for a while. I understand why they want a subscription base model. It totally makes sense for them financially as a company. What I don't understand is why they chose the price they chose. They had an INSANELY affordable product, well worth the money and more. Now, they want about that same price PER year. It's a steep jump (almost triple, everything considered). I guess I originally expected $25 - $35/year. Which seems much more reasonable and I don't think it would have scared away so many customers. Not to mention, if I were a new customer, $50/year when I'm trying to cut back and save seems like a total NO on even trying. </p> <p>2. Currency exchange. I don't pay $50, I pay $60+ dollars depending on the exchange rate. Right now, our dollar is so low that I would be paying ~$66.60. So, right there is a lack of consistency from year to year. </p> <p>3. Web based model, ONLY. Now I can't access my budget if I don't have the internet? Now all my info is out there on the internets? Those 2 things don't sit right with me. But, I do think this is something I can get over because I'm already using dropbox. </p> <p>Those are some of the things I'm struggling with. This morning I was a super no about it, but now I'm not sure. Maybe? Maybe after YNAB4 is no longer compatible with my computer software? Can I create an excel spreadsheet that satisfies me like YNAB does? I dunno. Ugh. </p> https://boards.hellobee.com/topic/ynab-2015-chat-thread/page/6#post-2349378 Mon, 09 Nov 2015 14:49:42 +0000 mrsrain 2349378@https://boards.hellobee.com/ <p>You own your version 4 software, so you can keep using it until it's no longer supported by newer technologies. </p> https://boards.hellobee.com/topic/ynab-2015-chat-thread/page/5#post-2349376 Mon, 09 Nov 2015 14:48:41 +0000 mrsrain 2349376@https://boards.hellobee.com/ <p>We'll prob stick with version 4 as long as we can and then reassess our needs. For $59 a YEAR it would have to be pretty incredible for us to use it... </p> https://boards.hellobee.com/topic/ynab-2015-chat-thread/page/5#post-2349367 Mon, 09 Nov 2015 14:45:03 +0000 gotkimchi 2349367@https://boards.hellobee.com/ <p>@.twist.: I agree! There's so much I'd rather spend $50 on! Idk what to use either. I don't like mint. I'm thinking maybe I'll just set up excel basically like ynab? Let me know if you find anything good. I maybe could have stomached $50 for the new version but not once/year </p> https://boards.hellobee.com/topic/ynab-2015-chat-thread/page/5#post-2348968 Mon, 09 Nov 2015 11:17:09 +0000 .twist. 2348968@https://boards.hellobee.com/ <p>@gotkimchi: I did. Totally bummed out. I will use 4 until it craps out and then I don't know what I will do. Honestly, YNAB changed my way of budgeting, to the point where $50/year is not worth it and I will find a cheaper alternative, even if it isn't as nice as YNAB.</p> <p>ETA: Honestly, I don't know what I'll do. :( </p> https://boards.hellobee.com/topic/ynab-2015-chat-thread/page/5#post-2348962 Mon, 09 Nov 2015 11:15:27 +0000 TemperanceBrennan 2348962@https://boards.hellobee.com/ <p>@gotkimchi: I missed that update. Thanks for the heads up. I don't think I would pay $50 a year for additional features. I am curious about the additional features though! </p> https://boards.hellobee.com/topic/ynab-2015-chat-thread/page/5#post-2347629 Sat, 07 Nov 2015 16:02:40 +0000 mrswin 2347629@https://boards.hellobee.com/ <p>@gotkimchi: Yeah I just read the update. I will keep YNAB 4 and wait until 5 has been released for a while to decide if the new features are worth moving over to the subscription model </p> https://boards.hellobee.com/topic/ynab-2015-chat-thread/page/5#post-2347600 Sat, 07 Nov 2015 14:58:21 +0000 gotkimchi 2347600@https://boards.hellobee.com/ <p>Did anyone see that the new version is going to be subscription based. $50/year. I'll keep using the old one or find something else - I can't see $50/year for something I could do on paper, especially now that I have a good feel for what I'm doing </p> https://boards.hellobee.com/topic/ynab-2015-chat-thread/page/5#post-2329951 Thu, 22 Oct 2015 08:24:18 +0000 T.H.O.U. 2329951@https://boards.hellobee.com/ <p>Thanks for all the help! I think I've got an ok system going and I'm really try to stick to it. In the past I didn't get it set up just right (was still learning) and hopefully this time I can make it work. </p> https://boards.hellobee.com/topic/ynab-2015-chat-thread/page/5#post-2326125 Mon, 19 Oct 2015 16:32:26 +0000 birdofafeather 2326125@https://boards.hellobee.com/ <p>@T.H.O.U.: i think you sorted it out, but the categories are for allocating money and you don't enter anything as a transaction unless money is spent, or in the case of paying off a credit card bill, i transfer from one account to the other as a transaction. </p> <p>in terms of talking about a buffer, are you actually planning on using that money for christmas spending? i would try as hard as i could to have categories that carry over, like christmas, so it's earmarked for that and then other savings for what i need to save for. so what i do is figure out how much i want to spend on christmas stuff and then split the difference over the months i have left until i am actually spending on that. i do take from that category budget if needed for overspending, but i want to be somewhat realistic about it so i'm not just constantly blowing another category and then ending up with nothing in my christmas category come december.</p> <p>@2farmmoms: i totally agree with what @TemperanceBrennan: said about nothing feeling guilty, especially in regard to clothes or "extras" for me once i have assigned my money a job. instead of a huge pot of money, i have little pots that are set aside for clothing or eating out and then there's less to argue about, at least for DH and i. </p> https://boards.hellobee.com/topic/ynab-2015-chat-thread/page/5#post-2326091 Mon, 19 Oct 2015 16:09:10 +0000 T.H.O.U. 2326091@https://boards.hellobee.com/ <p>@My Only Sunshine: So "step 4" on YNAB lets me dip into that "buffer" account which I have named christmas savings. Is there a way to deduct my overages from that buffer? I can't subtract from that buffer amount in Sept. because then it says I have money to budget but I've also overspent.</p> <p>- Nevermind, I figured it out. I "budgeted" a Negative amount in the following month (month 2/October) so that I'm back to 0 to budget. </p> https://boards.hellobee.com/topic/ynab-2015-chat-thread/page/5#post-2326087 Mon, 19 Oct 2015 16:06:19 +0000 My Only Sunshine 2326087@https://boards.hellobee.com/ <p>@T.H.O.U.: If I overspend in one category, I reallocate the money from other categories during that same month. So if I budgeted $100 for kid clothes but end up spending $150 because she grows like a week, I add $50 to the kids clothes budget so I'm not in the red, and I remove that $50 from another category's budget, like eating out. Does that make sense? I do it all in the same month so I don't have any overspent in the next month. </p> https://boards.hellobee.com/topic/ynab-2015-chat-thread/page/5#post-2326086 Mon, 19 Oct 2015 16:06:13 +0000 TemperanceBrennan 2326086@https://boards.hellobee.com/ <p>@2farmmoms: Using YNAB can actually makes you feel less guilty about spending money. If you stick your head in the sand and refuse to take a look at where your money is going, you will feel guilty about *every* purchase. When you use the mindset that goes along with YNAB, you can spend the money you have in your category without feeling guilty. Try explaining this to your wife and maybe she will get on board. There have been a few blog posts on the YNAB blog that talk about getting a resistant partner on board. </p> <p>Good luck! </p> https://boards.hellobee.com/topic/ynab-2015-chat-thread/page/5#post-2326084 Mon, 19 Oct 2015 16:03:51 +0000 gotkimchi 2326084@https://boards.hellobee.com/ <p>@2farmmoms: how we started was my husband had a set amount he got out of each paycheck and he used for his own stuff like his car and gas and food etc. all the other money goes in the budget and we use that for bills and household things. That let him spend his money and me not worry about it </p> https://boards.hellobee.com/topic/ynab-2015-chat-thread/page/5#post-2326082 Mon, 19 Oct 2015 16:01:53 +0000 gotkimchi 2326082@https://boards.hellobee.com/ <p>@T.H.O.U.: in overspent categories I either reallocate money (so I'll lower eating out to up groceries) or I forward it to the next month. So if I overspend 25 in gifts I'll forward it to next month and it will automatically deduct. So next month I budget 100 for gifts but i only have 75 available to spend </p> https://boards.hellobee.com/topic/ynab-2015-chat-thread/page/5#post-2326076 Mon, 19 Oct 2015 15:54:04 +0000 Mrs. Turtle 2326076@https://boards.hellobee.com/ <p>@T.H.O.U.: Yeah maybe so. I'll keep trying to have the conversation and explain that its not that I think we are doing a bad job, just that I'd like to be more organized and see where the money is going more clearly. This is hard. </p> https://boards.hellobee.com/topic/ynab-2015-chat-thread/page/5#post-2326075 Mon, 19 Oct 2015 15:51:52 +0000 T.H.O.U. 2326075@https://boards.hellobee.com/ <p>@2farmmoms: Would she even be willing to just turn in receipts to you? Then at the end of the week or month you could enter them all? </p> <p>Many people view a budget as limitations. But it doesn't have to be. They say you have to switch your focus on budgeting so that you can save and prioritize the things that are really important. But if for her shopping at the expensive grocery store is important,then she may be resistant with you trying to limit that. </p> https://boards.hellobee.com/topic/ynab-2015-chat-thread/page/5#post-2326073 Mon, 19 Oct 2015 15:49:54 +0000 Mrs. Turtle 2326073@https://boards.hellobee.com/ <p>@T.H.O.U.: Thanks. That makes sense and I know it will be challenging with cash, but I'm not sure how to deal with how resistant she is. Maybe I need to explain it better, but I get the impression she doesn't want to even talk about it. I'm not sure how I'd track all the transactions if she's not playing along. </p> https://boards.hellobee.com/topic/ynab-2015-chat-thread/page/5#post-2326070 Mon, 19 Oct 2015 15:47:11 +0000 T.H.O.U. 2326070@https://boards.hellobee.com/ <p>@2farmmoms: Hi! For us, when starting a "budget" the best way was to really just spend as normal but track everything. This meant getting everything set up either with cash receipts or using a card and bank account log. </p> <p>Then at the end of the month do some reconciling (which is what I'm struggling with). If you have variable income that can be tough but it can be done.</p> <p>Another approach with cash is to use the cash envelope system. So you put your $100 budget for groceries in a grocery envelope. If you need more money thats fine, but you have to pull it from a different cash envelope. When the cash is gone its gone. </p> https://boards.hellobee.com/topic/ynab-2015-chat-thread/page/5#post-2326066 Mon, 19 Oct 2015 15:45:27 +0000 T.H.O.U. 2326066@https://boards.hellobee.com/ <p>@My Only Sunshine: So whats the best way to fix this? I think this is the problem I was trying to figure out earlier. For the areas that I overspent, whats the best way to reconcile them? I read on the tutorials its best to rebudget. </p> <p>I guess, in some categories, can I lower my budget the next month (like my personal slush fund)? </p>