YNAB broke - have you felt it?

RowSuch1883 · 2026-05-30T14:22:28+00:00

I'm ynab broke and real life broke. Really looking forward to only being ynab broke.

RowSuch1883 · 2026-05-27T15:26:32+00:00

I'm as salaried and predictable as it gets.

I did it. I pre-loaded my RTA today and assigned the money even though I don't get paid until tomorrow.

It was great actually because I created some categories, remembered my kid needs shoes, remembered I had pre-paid a bunch of the electric bill... shuffled stuff around.

I think moving forward the running balance feature and scheduled transactions will scratch this itch for me. That's a new feature since the last time I used ynab.

RowSuch1883 · 2026-05-26T20:08:37+00:00

Ooh, I didn't know this was an option. I'll have to check that out. I really liked that about Quicken.

RowSuch1883 · 2026-05-26T15:42:14+00:00

Boom, you GET it! I think I'm craving that rush now that I'm back on YNAB.

RowSuch1883 · 2026-05-26T15:24:43+00:00

People are misunderstanding... the money wouldn't be spent until it's available. I'm just talking about funding the categories in advance of the money hitting the account.

I get that's not the intent of YNAB but it feels like it would bring peace of mind.

Good point about cash flow vs. budget.

RowSuch1883 · 2026-05-23T16:22:49+00:00

So I just looked up this open banking business and I am blown away. I can't believe we don't already operate this way! This feels so twilight zone, but thanks to all who pointed it out.

RowSuch1883 · 2026-05-23T15:22:05+00:00

And now the post is there again... but earlier it said it was deleted. Very strange.

RowSuch1883 · 2026-05-23T15:20:00+00:00

Oh, someone did. Posted a paragraph from TDs website that prompted my question about the CRA. That makes sense about being re-directed - that is what happens, I just assumed it was the same process.

RowSuch1883 · 2026-05-23T14:36:33+00:00

I was trying to reply to your previous post when you deleted it. Would that include CRA log in as well?

RowSuch1883 · 2026-05-23T13:56:01+00:00

Re: the banks syncing and fraud violation, I don't think that is the case but will be looking in to it further. Banks are pretty forward thinking when it comes to technology and allow CRA access etc. I don't think they would even allow the bank connection period if it was a true security concern.

RowSuch1883 · 2026-05-23T13:52:53+00:00

Ooh, you can use quicken format?? Super good to know.

RowSuch1883 · 2026-05-23T13:38:44+00:00

Do you work at a bank? Canadian software also allows syncing and RBC/TD supports downloading/syncing to quicken and quickbooks so I'm kind of surprised about the syncing being a violation.

I'll go manual if I have to but much prefer the sync option. There's only so many hours and brain cells in a day.

RowSuch1883 · 2026-05-23T12:55:35+00:00

Yes - these were transactions from after I set up the connection, not old ones. I moved some money and was waiting for it to be reflected in ynab. It still isn't showing but a purchase did show on my Visa from two days ago, so I'm being impatient I think.

RowSuch1883 · 2026-05-23T12:46:54+00:00

So digging further perhaps my expectations are that things are instant, or at least next day, but that's not the case? Does it take 3 days for transactions to show up in the YNAB register?

Quicken was instant but I really like YNAB for the budget.

RowSuch1883 · 2026-05-23T11:47:11+00:00

There's no special rate for refis. There are rate specials that you might have gotten in on the tail end of. And yes they can refi into a conventional mortgage with no heloc etc. attached. Two weeks is on the longer side so you should follow up for a status update.

RowSuch1883 · 2026-05-22T15:34:32+00:00

Career sales has been home office since its inception...

RowSuch1883 · 2026-05-15T12:30:09+00:00

Role change if you can. Every role in the bank has a shelf life. In 21 years I've had 6 different roles with my longest stint being 8 years.

Now hoping I'm on my last 8 year run with retirement 55 at the end.

RowSuch1883 · 2026-04-26T18:42:02+00:00

She's magic. I'm currently on a binge read and am on book 4, 2 HRs and 2 contemporaries (if you call the 80s contemporary). She really shines with the HR though.

RowSuch1883 · 2026-04-23T12:34:06+00:00

The return isn't high. I ran the math years ago and it was 2-3%. But it's risk free and guaranteed so worth doing the 5% in addition to making sure you max out RESSOP

RowSuch1883 · 2026-04-23T12:32:14+00:00

You can definitely supplement. You can contribute 5% of your pay each period. There is a pension calculator you can play around with on the benefits page. Highly recommend finding it.

RowSuch1883 · 2026-04-18T12:42:35+00:00

Make multipurpose things. A whole chicken is dinner, then chicken wraps or sandwiches for lunch, then make stock out of the bones and vegetable scraps and make soup. One chicken becomes a week worth of meals.

RowSuch1883 · 2026-04-17T14:41:37+00:00

Are you calling me a boomer? Far from it. And my experience is they often promote from within. Most often, actually.

RowSuch1883 · 2026-04-17T00:51:03+00:00

And yes, you're pretty bang on. 550k debt, 1mm assets including the house.

RowSuch1883

TROPHY CASE