Are there specific videos that helped you "get" YNAB? I want to be excited about it, but I'm really struggling with how to get in a groove. I find myself getting so frustrated with it!!!
How long did it take you to figure it out?
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They actually have their own training webinars which is what I used. I took them all over the course of a week or two:
https://www.youneedabudget.com/classes/That really helped, but overall just using it two months helped me get it the most after that - you really need to witness the rolling over of categories in order to understand it I think.
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@winter_wonder: Are you using the nYNAB (web-based one?). This link will be the quickest way to get started and setup - https://www.youneedabudget.com/learn/lunchbreak/
I also think the most confusing thing for most people to understand is how credit cards work and how to handle returns/reimbursements. I would read/watch all of these:
Guide: http://docs.youneedabudget.com/category/135-credit-cards-debt
Intro video on cc's: http://www.screencast.com/t/6J0I9rZM4pcw
Paid in full cards:
https://vimeo.com/youneedabudget/review/166968946/32454794b0Handling returns:
https://vimeo.com/youneedabudget/review/155143940/515a881339 -
@winter_wonder: Here are step by step instructions I gave a friend of mine when she asked about how to setup YNAB:
1. Input the starting balances on all your accounts on the left hand bar. Your credit cards will automatically pop up as categories in YNAB under the master category "Credit Card Payments". This will always be there as long as you continue to use credit cards.
2. Fill in the "Budget" column in your cc categories. It needs to match the starting balance you have on each of your accounts. You only need to fill in the "Budget" column the very first month you use YNAB. In future months, the "Available" column will automatically match the numbers of your credit card on the left hand side.​After you setup your credit card categories, go ahead and setup the rest of your master and sub-categories, and budget those out.
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It took me about about a week or two to "get" YNAB. Now, I've been using it for 3 years now, and I can't live without it. I watched some videos on YouTube to just get the hang of it first.
I'm using the Classic YNAB, and not the web based one, so not sure if it's the same. I would just input all of your accounts (checking, savings, etc), and only input current or upcoming bills. Do not input any past bills! For example, today is 8/9/17, and you may feel like inputting your rent/mortgage since it was due on 8/1, but if you already paid it and you're starting YNAB today, do not input that rent/mortgage. Cuz YNAB is only using the current money you have right now. Hope this isn't too confusing.
Good luck!
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@HappyBaker: I need to commit to take some of those classes, thank you!
@mrs. high heels: That first link you posted was extremely helpful, thank you for taking the time to post all of those links. I'll dive into the credit card info more tomorrow night. Yes, I'm using the web version.
@disneybee: I'm using the web-based version, I'm not entirely sure how different it is. Your advice about sticking with the current bills (not previous) is helpful. That was one thing that was messing me up before because I thought I should be budgeting for the mortgage payment even though it already came out.
I really want to stick with this and do a better job of budgeting. Thanks guys!
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I actually found Reddit to be the most helpful!
It was a huge learning curve for me too but once I really got it, it's been great. So don't give up!
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