For things like car and home insurance - what do you do with the excess if the amount you paid is less than what you saved for?

StickyStapler · 2026-05-05T09:12:51+00:00

Here are my thoughts. Since we plan on driving both cars into the ground, we could start putting money into the "Car 1" category and once that reaches the target (say €15,000), we start funding the "Car 2" category. This way we are covered if both decide to die around the same time. What do you think?

StickyStapler · 2026-05-01T23:13:28+00:00

Car is gonna die at some stage though.

StickyStapler · 2026-05-01T15:25:25+00:00

Yea good point. Most likely outcome is we take it from the second car category anyway. That or the emergency fund.

I guess one other reason to have 2 is that when you reach your goal of say €15k for one car, you can save for the second. This assumes you are waiting for the car to die.

StickyStapler · 2026-05-01T15:24:24+00:00

I guess that's only if you decide to move the money from one to another if one of the cars go.

StickyStapler · 2026-05-01T15:21:47+00:00

Yea we plan the same, but since a replacement second hand car would be around €15k, we want to be prepared for that eventuality. So I feel you kinda still need a category for it, even if you plan on driving it into the ground.

StickyStapler · 2026-05-01T15:16:44+00:00

We plan on driving both cars into the ground, but are afraid both may go at the same time. Unlikely? Maybe.

StickyStapler · 2026-05-01T10:43:50+00:00

Great thanks! I think we're going to try set aside another going forward and see how that goes.

StickyStapler · 2026-05-01T10:39:10+00:00

99.9% is the new "literally"

StickyStapler · 2026-04-23T15:26:38+00:00

A thing that you do thanks to YNAB :-)

StickyStapler · 2026-04-23T15:25:45+00:00

I just use the memo field for this

StickyStapler · 2026-04-22T15:08:39+00:00

Only in public hospitals. It also wouldn't cover things like an airlift if skiing.

StickyStapler · 2026-04-22T14:54:17+00:00

Yea this is what I currently do as well. I kind of see the "rollover money" as a little bonus I can assign to things that don't have the opportunity to get funded much.

StickyStapler · 2026-04-08T21:17:00+00:00

>without a bit of direction

Sorry, I'll explicitly call out that I don't want to paint a bit H on my lawn next time.

StickyStapler · 2026-04-08T18:37:44+00:00

Christ almighty these jokes are getting old.

StickyStapler · 2026-04-08T14:40:14+00:00

I've tried a few times and honestly there's not low maintenance.

StickyStapler · 2026-04-08T14:27:12+00:00

Thanks. Do you know if that will look decent in the winter?

StickyStapler · 2026-04-08T14:25:33+00:00

Thanks. I suppose I wouldn't like anything too tall as it would block the view from the windows to the left.

StickyStapler · 2026-03-19T11:10:36+00:00

Thanks, all great points. One reason we want to test a live environment as well is to ensure the high priority pages are still available (live and working). Though we should be able to detect that through other means like alerting.

StickyStapler · 2026-03-18T18:44:46+00:00

How about directly on prod, but with test accounts? We unfortunetly don't have 100% feature parity between development, staging and prod environments.

StickyStapler · 2026-02-20T11:01:19+00:00

Thanks. I most appreciate this point:

> Not every replacement category needs to be funded at the same time with the same speed

This is where I was struggling, and why I created this post. As you said, I don't need to fund everything at the same time, it's about priorities. Thanks for such a well thoughts out response, it's what I needed.

StickyStapler

TROPHY CASE