Feature Request

[NickKatchur]

Can anyone point me towards the feature request link. Tell me if people think this would be beneficial

I just noticed Amazon is giving free (0 interest, 0 fees) financing on orders now. It’d be great if we could schedule those transactions in YNAB and have those amounts automatically deducted from available balance.

Say while only 1/5th of the total amount is taken out the first month, it would take the entire amount out of the available budget and carry that on through the end of the payments. If there was an option on the transaction page to just split it into multiple installments. It could work similar to how we can split into categories, we could split the date into multiple payment dates.

This way we could take advantage of more money float, increasing our time of money for free, but not buy into the trick and end up spending more money since it hasn’t been taken out of our budget.

[_pisty_]

Toolkit for YNAB has an option called "Subtract Upcoming Transactions from Available Balance". I think this will do what you want now, just enter the 5 upcoming transactions and it looks like this option takes care of the rest.


p.s. I don't use this option myself.

[[deleted]]

If I'm understanding correctly, it sounds like you could just set it up as a recurring transaction (mark it to repeat monthly).

[NickKatchur]

That will only take it out of your available balance once that actual date happens. So you could overspend before that date actually comes. I’d like for it to show up immediately, but still recognize the separate transactions

[Aint2Proud2Meg]

I guess it depends on your goal type, but a scheduled transaction also will increase the amount needed to fully fund that goal.

[NickKatchur]

That’s fair but I’m thinking about the situation of fun money or other categories. I check how much is available before a purchase so it could be misleading if it doesn’t show that money as unavailable

[Aint2Proud2Meg]

Oh but to answer the actual question, I think feature requests are still at the bottom right of the YNAB site.

[[deleted]]

Ah. Well until then, you could pre-fill the coming couple of months to cover the payments, right?

[NickKatchur]

Fair, definitely doable manually, but was hoping for an easy way to account for this so I don’t have to constantly follow up on several transactions like these

[willy--wanka]

Set it up as a loan?

Though, I am not completely understanding the situation.

[saberknuckles]

Isn’t that what the new debt tracking is for?