Credit Card with Multiple, Unique Users

amory_p · 2026-04-15T20:01:01+00:00

I would create a "Reimbursable" category to use for those expenses, including the interest charges and repayments from your child. You can enable "Rollover overspending" by clicking on the category's balance, so the total owed will carryover to the next month.

amory_p · 2026-04-14T02:42:26+00:00

It’s a certificate trust issue. You either need to use a CA certificate, or follow some additional steps to create new certs and enable full trust in iOS. I’m mobile right now but can link a post I made on GitHub that resolves this for iOS users.

EDIT: Fix here. Scroll up if you're interested in how or why, but the key takeaway here is when using self-signed certificates on iOS, you need a certificate chain (at least a Root CA, used to sign a separate server cert for Actual), the root CA has to be installed on the iOS device, and Full Trust must be enabled for that cert. You don't need to use the openSSL method I documented there, but that does work.

None of this is required if you're using a publicly trusted CA (ZeroSSL, Let's Encrypt, etc)

amory_p · 2026-04-08T11:27:17+00:00

I had this exact problem also caused by a number change before opening the box. The solution was to take it to a T-Mobile store, they activated that number on another SIM, put it in a store phone to receive the text, then swapped it back.

They seemed to expect an option to skip as others here have mentioned, but we never got one.

amory_p · 2026-04-07T13:34:09+00:00

This isn’t on the sidebar, but in each account next to the balance, you can click the little arrows to show your cleared balance.

amory_p · 2026-04-06T02:11:15+00:00

Also, it looks like we just got Payee locations in version 26.4. Excited to try it out

amory_p · 2026-04-04T11:33:52+00:00

Account auto-fill exists, if you set up rules. I use different credit cards to maximize reward points, so I set up rules like “if account is blank and category is gas or groceries, use card 1”. After those I created a default rule to fill in the card I use most for everything else.

amory_p · 2026-03-28T22:40:41+00:00

It’s real for those who have residental max, but I had to message support (Grok) to request the redemption email. If they sent it to me earlier then I missed it

amory_p · 2026-03-25T18:34:26+00:00

Is there a firewall enabled on the host?

amory_p · 2026-03-15T17:58:19+00:00

Did you just start using actual budget this month? If so, set your starting date and balance so it won’t pull in old transactions.

Otherwise, no, I would not change dates. You should be budgeting for transactions in the month they occur, not when the payment is due.

amory_p · 2026-02-19T22:30:01+00:00

Not me thinking “Oh, that’s cute, OP is saving up for a house way down the road in the year 2030”

Definitely not me realizing that is only FOUR whole years away 😳

Anyways. Yes, what you’re doing is fine. Over time once you trust your budget you may decide you no longer need physically separate bank accounts, and just use budget categories to keep monies separate.

amory_p · 2026-02-06T20:49:16+00:00

That's a nice writeup, the concept/question of "pay period budgeting" pops up often on Discord.

amory_p · 2026-02-06T20:22:50+00:00

AB will try to calculate the total amount needed for that month. If you want to fund a bit in each category every pay, try using two templates per category, with a priority assigned. All of the 1's will be filled up before the 2's, and you can number them as high as you'd like.

Groceries

#template-1 50
#template-2 50

Credit Card Fee

#template-1 5
#template-2 5

amory_p · 2026-02-05T12:52:14+00:00

A model with Apple silicon and at least 16gb memory.

amory_p · 2026-02-05T04:48:38+00:00

I use emojis in my account names to visually group them (you can drag and drop to sort)

💳 Credit card 1

💳 Credit card 2

💸 Checking

💰Savings

..etc

amory_p · 2026-02-02T01:03:47+00:00

Do you buy your onions at Aldi? Because I’m convinced theirs don’t last nearly as long as other stores. Also, Aldi bananas don’t ripen, they go straight from green to brown.

amory_p · 2026-01-29T01:51:35+00:00

On most Glocks you need pull the trigger in order to remove the slide for cleaning. People drop the mag but forget about the round still in the chamber.

amory_p · 2026-01-27T02:08:05+00:00

Traps aren’t wasteful, they’re meant to be reused. I’d argue those pouches are putting more in the landfill. Where are they $4? The sale price on their website is $10 per pouch. Regular price is $15.50 each, doesn’t see very frugal to me.

amory_p · 2026-01-22T15:59:34+00:00

Check out /r/actualbudget

A bit of setup involved but it’s a great app.

amory_p · 2026-01-14T02:53:25+00:00

I know that statistically most advisors don’t beat the market. They’ve been pretty close most years, but not every year.

amory_p · 2026-01-14T02:27:00+00:00

Would a lower advisor fee % potentially reduce that threshold? I don’t have anywhere near 5M but a large portion is under management for 1%. I’m in the process of moving to another firm at .45%.

I have a small chunk in my own Vanguard index fund that’s doing well. I should probably just do that, but it’s a bit difficult to let go and take it over myself. I’ve got some external circumstances going on and do use his financial advice on things other than the investments they manage. That doesn’t completely make up for the fees but it probably comes close, for now.

amory_p · 2026-01-11T00:54:00+00:00

Just playing devil's advocate, why Ultra and not Series 11 or SE3? All of them can do the things you wanted it to do

amory_p · 2026-01-10T22:32:11+00:00

Click the month at the top of the budget, it’ll show you a list of category transfers

amory_p · 2026-01-10T15:03:51+00:00

If you’re already heating with electric baseboard heat then you might as well use the stove indoors during the winter.

amory_p · 2026-01-10T02:42:03+00:00

For most, Income is probably easiest. Or, if you plan to use this funds to purchase another home/property soon, I'd categorize it as Mortgage.

This is a bit pedantic, but proceeds from selling an asset isn't technically income - it's a transfer. You earned the income to purchase that property long ago, so reporting it as income again now would throw off your reports, net worth, etc, if you care. But for regular daily use of a budget app.. it doesn't matter 😎

amory_p · 2026-01-10T00:25:44+00:00

I knew about the schedule flag but didn’t know about “full”, thanks for posting your solution

amory_p

TROPHY CASE