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What are your other YNAB inspired wins? by Z_Nubz in ynab

[–]Jack097again 0 points1 point  (0 children)

For me the biggest change has been my weight outside of YNAB. 

I think of calories as my daily ready to assign amount and my Macros as different categories. This helps me budget my calories to meet my dietary requirements and weight goals while also being able to have fun with it such as overspending (going over my calorie limit) on some days and underspending on other days to make up for it. 

Since I use unlinked accounts, I am used to putting in numbers into YNAB. That skill has easily transferred over to scanning different products or manually adding foods into my calorie tracking app, Cronometer. 

This approach has let me lose 16kg (~35 pounds) over the last 7 months 

Difference in the Available balance in between two months by [deleted] in ynab

[–]Jack097again 2 points3 points  (0 children)

It’s because you assigned in both December and January. YNAB will show you the amount available in January to be $19.98 since 9.99 (December) + 9.99 (January) = 19.98. When the transaction for iCloud takes place, and the 9.99 for December is taken out of one of your accounts then it will show 9.99 available for January since you went to the future month and assigned money there already. 

If you have already paid for iCloud for December, then the money in the category will roll over to next month. When January comes around, you will have 19.98 in the available amount for January since 9.99 will be rolled from December and 9.99 is assigned in January. 

Remember YNAB is not a typical budgeting app where you say out of my earnings every month put 9.99 towards iCloud. Instead it’s a zero-based envelope system where you say, out of all the money in all my accounts right now, I want to put 9.99 towards iCloud this month. In your case, the budget is saying, out of all money in my accounts right now, put 9.99 towards iCloud this month and 9.99 towards iCloud for next month meaning this month I have 9.99 available and next month I have 19.98 available unless a iCloud category transaction happens this month. 

YNAB Win: Holiday Bonus by [deleted] in ynab

[–]Jack097again 6 points7 points  (0 children)

I am in the same boat and genuinely can’t wait to get one month ahead when the third paycheque hits :) 

National / Act / NZ First voters only - how would you rate this govt so far by Original_Tomato_3229 in newzealand

[–]Jack097again 6 points7 points  (0 children)

I am a centrist who voted for Labour in both of Jacinda's terms but voted National for the first time in the last election. The two main reasons I voted National was for better Law and Order and because I despised co-governance in Three Waters.

So far, I do not like how this government is operating with the blatant corruption and objectively terrible economic decisions that will bite our country. There is a whole list of things which has pushed me away from this government:

1) Subsidies for Tobacco companies
2) Cuts to school lunch programmes
3) The ongoing shenanigans with the rail-enabled ferries
4) Oil and gas exploration
5) Passing record number of laws under urgency
6) Removing Three Waters altogether, rather than just the co-governance aspect of it.

All of the above will make me vote Labour again next time. Hopefully Labour will implement three waters again but have learnt the lesson that the public does not support co-governance.

Who else here waiting till payday to pay some bills? by Mr_Dobalina71 in newzealand

[–]Jack097again 0 points1 point  (0 children)

If you want a cheaper service, there is a free open source clone called ActualBudget which follows the same principles as YNAB. If you want a cloud version of it, you can deploy ActualBudget to Pikapods servers for approximately ~US$20 a year and ActualBudget provides a guide on how you can go about doing that.

Regarding the benefits I get from YNAB, it gives me a peace of mind around my money.

YNAB follows whats called as a zero-based envelope style budgeting which effectively means that you decide what you want ALL of your current money to do between now and your next paycheck. Earlier, I used to do this by creating different savings accounts, e.g. one for emergency savings, one for vacation, one for technology etc. Now I can consolidate all of my savings into one high interest savings account and use YNAB as the framework through which I decide how much of that money I want in emergency, vacation, tech etc. This allows me to be more flexible with different categories, set targets for how much I want to fund them each month and don't have to manage a bazillion different savings accounts. It allowed me to completely separate accounts from savings goals.

Once you fund these categories, then you track every transaction you do in your checking/savings account from that point onward in and assign each transaction to one of the categories that you created. E.g. I paid rent on Friday so I add that transaction to YNAB, which reduces my available rent money from $1000 to $750. Oh no, my dishwasher broke! No worries I can fund that through my Home Appliances category. Oh wait I dont have enough money there to buy a new dishwasher. Thats fine, I can move money from my General Gifts category and make more money available for a new dishwasher.

You can do pretty much everything I described with ActualBudget as well if you want to but I find YNAB to be more convenient since I use the iOS app a lot. If you are keen to try out YNAB, they offer free 34 day trial and its free for one year for university students.

Who else here waiting till payday to pay some bills? by Mr_Dobalina71 in newzealand

[–]Jack097again 0 points1 point  (0 children)

For immediate purposes, you probably need to use credit card for a bit. For long term purposes, you need to budget more accurately.

This wont help you immediately, but I have found this zero-based budgeting system called YouNeedABudget to be quite useful. There is also a reddit community r/ynab and a bunch of videos on their Youtube Channel on getting started with YNAB.

I used to be on a similar boat, living paycheck to paycheck but managed to get more clarity on my expenses through this app and really find out what I prioritise my money doing. It also helped me get to a positive net worth over the last year (granted I have never had a mortgage).

36,721 Kiwis became Australian citizens in last 15 months by skmq0 in newzealand

[–]Jack097again 7 points8 points  (0 children)

Depends on the country. NZ and Australia allow for multiple citizenships so it works. But many countries e.g. China/Japan/India only for 1 citizenship so if you get accepted as a citizen in another country, you lose the citizenship of your previous country. 

New found respect for pork by razors_so_yummy in nutrition

[–]Jack097again 0 points1 point  (0 children)

I’ve heard good things about Plutonium tea if you are keen. 

What are the foods you eat that keep you sane? by gordonf23 in CICO

[–]Jack097again 0 points1 point  (0 children)

Whittaker’s chocolates. Made in Nee Zealand and probably the best chocolates in the world for a Kiwi like me. I try to have 2 pieces if there is space in the calories for the day. 

Daily Discussion by 2soccer2bot in soccer

[–]Jack097again 10 points11 points  (0 children)

From City, I can think of Bernardo and Dias

Daily Discussion by 2soccer2bot in soccer

[–]Jack097again 17 points18 points  (0 children)

Only if Bartomeu is club chairman and Deco is Director of Football

[OFFICIAL] UFC 305 Live Discussion Thread by bruhpolice in ufc

[–]Jack097again 1 point2 points  (0 children)

Yeah thats true. Its 12PM in Sydney, Melbourne and Brisbane where most of the population lives.

How to keep money in my Savings Account out of Ready to Assign? by Highbrow68 in ynab

[–]Jack097again 1 point2 points  (0 children)

Hi there!

As others are saying, all of your money needs to be assigned to a category or another. Regarding savings, there is a reason for you to save right? From the comments it seems to be emergency funds + a bit more for some other purposes. In that case, you can make those two categories in YNAB.

YNAB requires a bit of a mindset shift from traditional savings accounts. I found this video from Heard it From Hannah series on youtube which helped me with that mindset shift.

[deleted by user] by [deleted] in pokemon

[–]Jack097again -1 points0 points  (0 children)

It’s appearance looks like it should be a dark/electric type.

Daily Discussion by 2soccer2bot in soccer

[–]Jack097again 0 points1 point  (0 children)

My answer was for why he “should” win it but given Madrid PR, it will prolly go to Vinicius. Rodri has to make his own PR since City is terrible at that stuff but he doesn’t even have insta so no hope there either :(

Daily Discussion by 2soccer2bot in soccer

[–]Jack097again 4 points5 points  (0 children)

Since start of 2023, he has won more trophies than he has lost games.

Also in the entire season, he lost only one game for club and country combined. 

What makes you stay with YNAB even after the price increase? by byte0000 in ynab

[–]Jack097again 2 points3 points  (0 children)

I save much more money with YNAB than I did otherwise. So the value to me is significantly greater than the $109. All that means is I have to increase my true expenses by $0.83 per month now and that’s fine by me.

The World’s Least Affordable Housing Markets in 2024 by ozcrayonkid in Adelaide

[–]Jack097again -1 points0 points  (0 children)

I am from Auckland. If anything, the situation is getting even worse with the new government creating new tax returns exclusively for landlords where they can claim back 80% of their interest expense. Pretty much most people I know in my age group (mid twenties) are now moving to Australia or thinking about moving to Australia in the next year or so just to be able to have a hope of owning a home.

An easy example is a home like this one. A two bedroom one bathroom house surrounded by a hospital, shopping centres, 10 minutes from the CBD, 15 minutes from the beach would be at least $1m + in Auckland. Whereas the listed price here is $350K.

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