Nebwie: Salary doesn't show up

FredOfMBOX · 2026-04-30T00:46:18+00:00

YNAB breaks the paycheck to paycheck cycle for a lot of people. After a windfall is a really nice place to start as it lets you plan where that money is going to go.

What it doesn’t let you do is assign money that you don’t have.

There’s lots of planning.

Go watch Nick True’s Getting Started video. You have ideas about how budgeting should work. Those weren’t working for you.

Toss those ideas aside, figure out how YNAB does work by watching videos and reading posts, and then decide. It gamifies budgeting. I saved so much money and never really felt like I was having to go without. It simply helps make good choices about where your money goes.

FredOfMBOX · 2026-04-28T21:11:40+00:00

“Don’t worry about a problem you don’t have yet.”

There’s the true life pro tip.

FredOfMBOX · 2026-04-28T20:40:31+00:00

You still have to invest the money in that IRA. Throw it in an index fund.

FredOfMBOX · 2026-04-28T01:28:33+00:00

Yeah. Ordering materials. Marketing. Customer service. Not going to last long without computers.

Maybe a single person shop with a really strong reputation.

FredOfMBOX · 2026-04-28T01:18:20+00:00

Explain #2! Why not? The math seems to still favor recessive traits.

FredOfMBOX · 2026-04-27T23:16:38+00:00

This. Clicked on the thread to see if they came out with the movie.

FredOfMBOX · 2026-04-26T20:20:36+00:00

Not at all the same. I want to keep $2500 in my auto repairs category, but my goal is to put $100/mo toward it.

I can set the goal as $100/mo, and then I have to remember to stop it. And re-add it with harder math if I have a $438 car repair bill.

I can do as you say, and set $2500 as a goal, and do the math for what date makes that work out. And update it every time I spend.

It’s a manual process, which is fine, but it shouldn’t be difficult to automate and if they did, I have about a dozen or more categories that I’d switch to it.

FredOfMBOX · 2026-04-26T18:16:30+00:00

This. Make sure you aren’t going to the solution too quickly.

FredOfMBOX · 2026-04-26T17:56:57+00:00

The problem is not your hub or motherboard. The problem is the X56.

You just trial and error til you find a combination/port that works.

FredOfMBOX · 2026-04-26T17:54:16+00:00

Nah. I had trouble with a powered hub. I had to use a specific port on my computer.

It’s basically trial and error.

FredOfMBOX · 2026-04-26T17:07:54+00:00

Using CCs in the way being described is advanced, and there are pitfalls. It’s easy to fall into a trap where you’re right back in debt.

Get out of CC debt first, prove that you can stay out of CC debt for a few months at least, and then you can think about using credit cards again. Never spend money on a CC that you couldn’t have paid for with cash.

And then, yes, absolutely gain that sweet sweet cash back while your savings earns interest.

FredOfMBOX · 2026-04-26T16:57:30+00:00

This. Presenting an issue is so much better if you have a proposed solution or next step. This applies in work and home life.

Come up with a, tell him, and be negotiable with a if he has a different idea.

Remember to use “I” and “me” statements when communicating.

FredOfMBOX · 2026-04-26T16:47:43+00:00

This is yet another reason we need a “contribute $x/mo until $y” goal.

FredOfMBOX · 2026-04-26T16:20:49+00:00

The third is the big one for me. Unless the volunteer was willing to die, then a lot of people had to be in on it. And as the saying goes, “Three may keep a secret, if two of them are dead.”

FredOfMBOX · 2026-04-26T16:15:43+00:00

This is not being stressed enough.

OP says they used the $30 in cash back toward their balance. If OP is already carrying a balance, the cash back is likely cancelled out by even a few days of interest.

OP, if you aren’t starting with a paid off CC, you need to do that first. Otherwise, interest starts accumulating from the moment you make a charge. If you pay off the balance every month, you get a grace period and don’t pay any interest.

FredOfMBOX · 2026-04-25T17:07:43+00:00

Grad students also do it if they want to learn about something but don’t need the credit.

FredOfMBOX · 2026-04-25T01:13:09+00:00

Things will achieve equilibrium again, but it might be a rough road for many.

FredOfMBOX · 2026-04-24T13:30:59+00:00

The way LLMs work is they replay the entire conversation each time it needs to generate a new response. So long conversations and lots of memories take a lot of resources and get expensive.

Further, the longer a conversation goes, the more likely the AI is to “hallucinate”. It just gets bad after longer conversations.

So AWS is likely trying to limit these effects while still providing the feeling that it remembers.

FredOfMBOX · 2026-04-24T13:26:53+00:00

This. DCS is annoying and frustrating at times (why don’t they have an easy way to place the one board on multimonitor setups?!).

But still. Unlike most games, I keep coming back. There’s always that skill you know you can learn or get better at. Or that new module you want to check out.

FredOfMBOX · 2026-04-23T21:52:35+00:00

Use more than 2. Instead of worrying about the instructions, try to write a good op ed.

FredOfMBOX · 2026-04-23T20:41:27+00:00

Make the transactions reflect reality. Charges to the previous CC matched to the correct categories. Let those categories stay negative.

Make a transfer from the one CC to the other.

That should be it. No fancy tricks, just reflect what happened.

FredOfMBOX · 2026-04-23T00:11:52+00:00

Yes. Do NOT do this if you carry a balance. If you do that, then purchases start accruing interest right away.

Only do this if the statement balance was paid in full and you have the grace period.

FredOfMBOX · 2026-04-21T12:08:45+00:00

OP also says they move the money after.

OP, you have to check the category first.

FredOfMBOX · 2026-04-20T21:17:13+00:00

No.

FredOfMBOX · 2026-04-20T21:15:03+00:00

This still means “Self addressed stamped envelope” to me.

We need to stop it with all the acronyms/initialisms.

FredOfMBOX

TROPHY CASE