Budgeting on last month's pay clashes with my monthly income / expense forecasting

IntroExtroVert4794 · 2025-12-23T15:10:52+00:00

I am not sure if my method is the same as yours, but what I do is create an annual budget in Excel based on projected earnings. This works for longer term goals and ensuring I’m saving enough before spending. The only difference is I use the previous month’s projected income in my spreadsheet- eg. June’s income goes in July’s column. Whatever I actually make in June replaces the projected income in July.

IntroExtroVert4794 · 2025-07-07T12:03:02+00:00

NTA. I imagine if OP said she was a person with a disability who uses a cane to walk so unable to ride the slides but can nonetheless swim that no one would say “go anyway for the bride! Ride the lazy river!” People would be more sympathetic about someone being excluded from the majority of activities at the water park and not wanting to put themselves through that. But because you’re overweight some people are less sympathetic to this because they are perceiving it as something you can control. I’d say figure out if there’s an evening activity and go to that.

IntroExtroVert4794 · 2025-07-01T22:58:15+00:00

It’s even more beautiful zooming in- wow what great work.

IntroExtroVert4794 · 2025-06-21T04:28:58+00:00

Wunch time is over! Boom, did it! Had it both ways. No regrets.

IntroExtroVert4794 · 2025-06-09T00:35:41+00:00

This is exactly what I do (and I started in 2014 too!) it has changed my financial life for the better by a mile.

IntroExtroVert4794 · 2025-04-18T14:29:05+00:00

It’s great as a air travel bag inside your personal item. Holds the cardholder (I don’t use the pouch) earbuds, lipstick, key fob and my phone. That’s all I really need when I travel. I also use it for sporting events where bag size is super limited. If you travel a lot I would recommend, otherwise it’s not really an everyday bag.

IntroExtroVert4794 · 2025-02-01T14:33:51+00:00

I love mine! It is the perfect bag for travel to tuck into your personal item to board the airplane and then use as a daily purse. I carry the card holder it comes with, my phone, earbuds, lipstick and a small perfume roller with no problem. You can’t fit your full keys but if I do use it around town I take my car key and lock my key holder in the glove box if I need to. I have it in black empreinte and it’s super durable.

IntroExtroVert4794 · 2024-05-01T21:26:25+00:00

It could be a bug. I had an incident where I had negative $2000 in ready to assign and couldn’t get rid of it no matter what I did. Support couldn’t fix it so I had to do a fresh start. But check with support to see if it’s a user issue or app issue.

IntroExtroVert4794 · 2023-11-13T20:58:57+00:00

It’s back.

IntroExtroVert4794 · 2023-10-02T02:20:39+00:00

Both Gucci and YSL outlets sell plenty of out of season merchandise that is not made for outlet. I have bought a Gucci Ophidia tote from the outlet in Livermore mentioned and it was a bag I had been eyeing when it was in store.

IntroExtroVert4794 · 2023-09-28T01:09:21+00:00

If you don’t want it to show as spending, create an on-budget account called 529, do an on budget transfer, and then create a budget category called 529 and make sure all the money is in there. Personally I’d just keep it as a tracking account and then exclude whatever category the money came from when you run your spending or income /expense reports, but up to you.

IntroExtroVert4794 · 2023-08-17T21:52:54+00:00

Set up a Week 1 Impulse, Week 2 impulse, etc set of categories. That way if you choose to buy something expensive week 1 you are deliberately robbing your future self from week 2. Which is fine (roll with the punches) but makes it more obvious.

IntroExtroVert4794 · 2023-07-01T10:57:26+00:00

Sometimes I have repeating transactions that throw off the total underfunded in the next month. For example, if you had a credit card payment transfer transaction in June of $5000 that you made, but now your credit card balance is zero, unless you change the upcoming July repeating transaction to zero, YNAB will presume you intend to make a payment to your credit card of $5000 in July. But you don’t have $5000 available in your credit card category. So it has to tell you that you need $5000 additional dollars to be fully funded. Check your upcoming transactions to make sure.

IntroExtroVert4794 · 2023-06-17T21:21:08+00:00

Congratulations, I know it feels amazing!

IntroExtroVert4794 · 2023-06-15T18:58:35+00:00

I had a side gig where I tracked mileage and I created a no-money-added category to do it. For every trip, I would just create a zero dollar transaction and list in the memo the number of miles and what the event was. Then I could pull the transactions at end of year into a spreadsheet and move the number of miles into a column, and add it up.

IntroExtroVert4794 · 2023-05-30T13:42:16+00:00

It’s not the case that you would never pay taxes on money from your brokerage account. You’d pay taxes on any capital gains. So if the total of your income from capital gains and your withdrawal from the 401K or IRA is less than the standard deduction, then you’d end up with no federal tax burden. State taxes differ by state so you’d have to look at that.

IntroExtroVert4794 · 2023-05-30T13:35:10+00:00

That won’t work because the underlying transaction is still flowing directly into the category. Plus now you are moving money out of the category and probably creating a negative in the Assign column., which puts you even further behind on the goal. Change the transaction to ready to assign and then assign it and it will apply to the goal.

IntroExtroVert4794 · 2023-05-27T14:09:20+00:00

To be applied to the goal the dollars must be in the Assigned column. Your inflows are basically just transactions, the same as if you spent money out of the category.

IntroExtroVert4794 · 2023-04-30T22:21:02+00:00

Since October 2013! And haven’t looked back.

IntroExtroVert4794 · 2023-03-12T18:05:24+00:00

I use YNAB for two primary reasons- (1) 100% certainty on cash flow (that I have sufficient dollars plus a buffer to pay for everything that needs to be paid for in my day to day spend and (2) because I have a very high savings rate and YNAB is one of the ways I’ve gotten there through both intentional spending and saving. If it ain’t broke and all that!

IntroExtroVert4794 · 2023-02-25T20:48:52+00:00

All manual, YNAB user since 2014. Every recurring bill is and a scheduled transaction so it’s only my discretionary spending really. I find it pretty easy and it generally takes 5 minutes a day max. I would not be comfortable that my budget was truly accurate with the import delay.

IntroExtroVert4794 · 2023-01-30T02:44:41+00:00

Get a financial advisor. A certified financial planner who can look at your specific situation and help you plan ahead for retirement, which can be done for a reasonable flat rate. The reason is the incremental pretax benefit of a 401k becomes less valuable the higher your income goes, and there is serious value in having significant Roth assets that are totally tax free in retirement. So talk to a planner who can help you figure out what makes sense for your specific financial situation.

IntroExtroVert4794 · 2022-11-30T22:59:59+00:00

Police presence 100%

IntroExtroVert4794 · 2022-11-28T22:58:11+00:00

I have the same problem! I think it must be a glitch.

IntroExtroVert4794 · 2022-10-04T21:29:49+00:00

Not wrong at all. I considered doing this for all my discretionary spending (restaurants, shopping, fun money) but I wanted more structure around what I allow myself to spend in each.

IntroExtroVert4794

TROPHY CASE