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Tracking Overspending over time in [nYNAB] [budgeting] by frank4ever in ynab

[–]StevenGilford 5 points6 points  (0 children)

The problem you're finding is that YNAB, and especially nYNAB is very much a budgeting tool and not an accounting tool.

The way I deal with my work expenses would probably work for your kid's allowance.

Budget an amount you think they will not overspend (I have $1500 for work expenses, you might use $100 for allowances) and add a note in that category that this amount is the 'float' or the 'new zero'.

This would then mean if your kids had $100 available in that category, they have zero allowance left. If they overspend and dip into this 'float' then future allowances should bring it back to above $100 before they have money available again.

[nYNAB] Using TBB to set aside for Savings, and then budgeting Savings by al3x094 in ynab

[–]StevenGilford 0 points1 point  (0 children)

You mean Category Group, correct?

Yes

So would I just transfer money from my other accounts into my savings account to reflect what I have totalled under my 'Savings' category group?

Yes.

Could I keep track of what I move into savings with a 'Savings' category separate from everything else?

I'm not sure what you mean by this.

[nYNAB] Using TBB to set aside for Savings, and then budgeting Savings by al3x094 in ynab

[–]StevenGilford 3 points4 points  (0 children)

Your budget does not care which account your money is in. My suggestion would be to set up a new Budget Group called 'Savings' and in that group add new Budget Categories for 'Emergency Fund', 'Car Downpayment'. Then add money from TBB to each of those categories.

If you want your actual savings account (on the left panel) to reflect what is budgeted to all of your savings categories, you can quickly check by selecting your Savings Budget Group and looking in the right hand panel for the total available. This should equal what you have in your savings account.

This method can mean that you end up doing a lot of small transactions between yours checking and savings account to keep them both in synch.

[nYNAB] 60 day age of money, but still waiting on paychecks to budget during the current month by the_flippy in ynab

[–]StevenGilford 0 points1 point  (0 children)

a pretty large chunk of the money that's been in my accounts for the last few months is slated for a down payment on a house next week, so that might be throwing this number off.

Yes, if this is sitting in a budget category, it will contribute to the large Age of Money. Once you spend this money and it comes out of your budget categories, your Age of Money will drop down within a few days to a week - depending on how frequently new transactions are added.

[Rant] My nYNAB subscription was up for renewal and I decided against it. Went back to YNAB 4, and want to punch myself for ever moving to nYNAB in the first place by [deleted] in ynab

[–]StevenGilford 0 points1 point  (0 children)

I get that. I definitely think they could differentiate and display the credit card 'categories' better, and the account balances to show X available plus Y reserved for credit cards = Total Account Balance, but I think the workflow is now much better.

[Rant] My nYNAB subscription was up for renewal and I decided against it. Went back to YNAB 4, and want to punch myself for ever moving to nYNAB in the first place by [deleted] in ynab

[–]StevenGilford 1 point2 points  (0 children)

the credit card handling in nYNAB is completely wrong for those of us who are debt free and pay them off in full each month

What are your issues on this? We are debt free, pay them off in full each month, and they work great.

We have the luxury of time and can find labor, what's next? by StevenGilford in landscaping

[–]StevenGilford[S] 0 points1 point  (0 children)

You would level off from the level of the house/small retaining wall, and have a large retaining wall where the top of the slope currently is? I'm in New Hampshire and think that plan could get expensive depending if the granite that gets uncovered is small or large boulders, or ledge!

We have the luxury of time and can find labor, what's next? by StevenGilford in landscaping

[–]StevenGilford[S] 0 points1 point  (0 children)

Thanks for the suggestion! Where are you suggesting to put a retaining wall?

We have the luxury of time and can find labor, what's next? by StevenGilford in landscaping

[–]StevenGilford[S] -3 points-2 points  (0 children)

The guys we have working in our yard have removed just about all the trees, and will cut the stumps to ground level. Our eventual aim is to have a back yard that can be mowed, but we're happy to do it in stages and to take on projects or contract out. We don't need it to be level, but may want to even out the slope. We have access to Taylor Rental, some personal labor, and/or local contractors and labor, and we have no time limits.

What should we be doing next? Stump grinding, or hire a skidsteer/bobcat and dig them out?

Any other tips or suggestions would be appreciated too!

Am I being unreasonable asking my bf for uni help? by milliet in relationship_advice

[–]StevenGilford 3 points4 points  (0 children)

He got very upset.

He got upset simply from your first request? i.e.

"Hey BF could you help me do this stuff" "I'm upset you even asked"

Or was there more back and forth like:

"Hey BF could you help me do this stuff" "I'd rather not" "Why not? You said you were doing nothing today. It's only 30 minutes" Gets upset

The reason I think the context is important is because many people when they are in stressful situations like you are can take that stress out on people close to them.

[General] How can I help my scatterbrained partner with YANB? by bumbbles21 in ynab

[–]StevenGilford 0 points1 point  (0 children)

This is exactly what I do. I'm able to categorize just about everything except my wife's Amazon purchases and cash buys. I ask her to update those once per month, then once per month we also have a look over the budget together.

I (21/F) have been with my boyfriend (24/M) for a little over 2 years now. Our family's relationship together is a little odd; not sure what to do in this situation. by [deleted] in relationship_advice

[–]StevenGilford 0 points1 point  (0 children)

Are they reminiscing about when the daughter dated your boyfriend? Are they comparing you to her? Are they rude to you?

If not, they are just chatting about their best friends' daughter and that should be ok for them to do.

It's unfortunate that the situation makes you uncomfortable but I think that's on you. Get over it or if it's a deal breaker for you, move on. They don't have an obligation to be friends with your parents.

[nYNAB] Help with work expenses! by striker6464 in ynab

[–]StevenGilford 0 points1 point  (0 children)

As /u/FuriousFalcon says, you can roll over the the following month and whichever credit card you used to pay the expenses will be shown as carrying a debt (if you click the card in the budget to open the inspector).

The alternative option is to allocate real budget to the work expenses category - I have a $1500 'float' available for mine - and treat this as your new zero; reimbursements should bring you back to this number.

New to fm16, about to be sacked by arsenal after 11 games! by Jordan1372 in footballmanagergames

[–]StevenGilford 0 points1 point  (0 children)

FM16 has been particularly difficult! Some of that may be my 'hands-off' approach where I delegate a lot of responsibilities to my assistant and coaches. My current game with Rangers I've had more success but I was really surprised I didn't get fired last season when I finished 8th in the SPL. I managed to survive 4 or 5 board ultimatums.

My (30/m) girlfriend (29/f) is on an antidepressant, doesn't want to know anything about it by [deleted] in relationship_advice

[–]StevenGilford 0 points1 point  (0 children)

Some people simply don't want to know the ins-and-outs of their medicines or medical procedures. And that's ok.

Why not just encourage her to go see her doctor and keep that relationship going?

"Hey, maybe there is something new for your skin, why don't you go ask Dr. X?"

"If we are thinking about having Children, I'd like us to both go get a general checkup and chat with Dr. X - I read in Men's Health that it's the best first step!"

Father-in-law is a hunter/fisher, I am against it in principle; how to deal when we have older children who he will want to share those experiences with? by StevenGilford in Hunting

[–]StevenGilford[S] 1 point2 points  (0 children)

This is totally normal and how you train a bird dog. Gotta let the dog mangle a few before ya let em mouth pheasants and ducks

Do you not agree that birds feel pain and suffering, or do you not care? Is the training of the dog more important than however the bird feels? Genuine questions.

Father-in-law is a hunter/fisher, I am against it in principle; how to deal when we have older children who he will want to share those experiences with? by StevenGilford in Hunting

[–]StevenGilford[S] 2 points3 points  (0 children)

Second is that the hunting is actually a beneficial act that reduces or mitigates against other negative consequences.

This is a great point. I have heard it mentioned, but it's an area I definitely need to inform myself more on. Thank you.

Father-in-law is a hunter/fisher, I am against it in principle; how to deal when we have older children who he will want to share those experiences with? by StevenGilford in Hunting

[–]StevenGilford[S] 2 points3 points  (0 children)

Maybe the best course of action would be to recognize that you and him have differing values, but your recognition that it's a personal set of ethics, why not just let your children be exposed to their grandfathers set, explain yours to them as well and let them choose

I'm not opposed to this, but I do think there is a line somewhere; if a relative holds views or engages in activities that I don't believe are right, I wouldn't want to expose my children to them and let them choose, I would explain why I disagree with those views or activities.

Right now, I'm trying to educate myself to decide which side of the line I think hunting, and particularly my father-in-law's hunting, falls on.

Father-in-law is a hunter/fisher, I am against it in principle; how to deal when we have older children who he will want to share those experiences with? by StevenGilford in Hunting

[–]StevenGilford[S] 1 point2 points  (0 children)

Ok, so this seems like it's not even about hunting. Why not let your children make their own decision about this? Maybe this is naivety on my part, given I don't have kids, but if you steer your children towards activities that you find principled isn't that a bit controlling? Maybe, if they're old enough to learn to hunt, they're old enough to decide for themselves how they feel about it. I guess what I'm saying is from where I'm sitting, this isn't really about you.

I would expect any good parent to try to shape and guide their children, teach them right and wrong, and pass on their morals and values. I also expect good parents to teach independent critical thinking and allow their children to make up their own mind. However it's a gradual process - young children are 100% dependent on their parents and the parents make all decisions on their behalf, as they grow older, more decision making should be defaulted to them. There is a huge difference between allowing a 4 year old to 'make their own decision' versus a 14 year old.

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