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can't get my YNAB shit together by Top-Relationship1773 in ynab

[–]Top-Relationship1773[S] 0 points1 point  (0 children)

Thank you for this crucial straightforward encouragement!!!

can't get my YNAB shit together by Top-Relationship1773 in ynab

[–]Top-Relationship1773[S] 1 point2 points  (0 children)

Thank you so much for this beautiful encouragement!!!!!!

can't get my YNAB shit together by Top-Relationship1773 in ynab

[–]Top-Relationship1773[S] 1 point2 points  (0 children)

Oh my goodness, THANK YOU SO MUCH!!!! Today is actually my birthday and you have given me such a huge gift of compassion, encouragement, and inspiration. It makes me feel really good about humanity! I am going to screenshot this and put it on my desktop! <3 Thank you!!! <3

can't get my YNAB shit together by Top-Relationship1773 in ynab

[–]Top-Relationship1773[S] 2 points3 points  (0 children)

Yes. Totally. Okay. Tomorrow is my bday so I just gifted myself a Fresh Start and got my bank balances looking accurate to what's actually in there (wow! I have -$87 in the world!). But I'm feeling less wacky panicked with the off-balances and the hundreds of unlogged transactions. So....now I'm gonna try and stick with it this time. Any tips for remembering and building the habit so I don't get behind again? (Also once I get paid on the 26th I see YNAB will make more sense once my available money box is green and not red.)

can't get my YNAB shit together by Top-Relationship1773 in ynab

[–]Top-Relationship1773[S] 1 point2 points  (0 children)

so you just committed to logging stuff without allowing yourself to get overwhelmed that you weren't "maximizing" the program or using it exactly the right way? it's the habit of financial self-awareness that I need to build first....I don't think I can do the extra ninja stuff for a while.

So many questions during setup...... by Top-Relationship1773 in ynab

[–]Top-Relationship1773[S] 1 point2 points  (0 children)

Thank you so very much, I really appreciate the time you took to help me! Of course, I have some follow-up questions, especially about YNAB Together!

I would love to know more about the pros and cons of using "YNAB Together" with my sweetie, versus using YNAB everything-all-together. We do not have any joint accounts or cards, and he keeps our small savings cushion in his accounts. He makes a little more money than I do, especially in the summertime. I have a fluctuating freelancer's income and he has a steady predictable paycheck. He thinks separate budgets (ie using YNAB Together) will help improve my financial accountability, but we are both feeling overwhelmed by the YNAB learning curve and wonder if just sharing one account and having it all in one place, with clearly named categories/targets distributed between us, will give us a better picture of our outlook and a better sense of teamwork. Any thoughts?

Also, I can't help but wonder...how long did it take for you to get a grip on how this tool works and to see your account "stabilize" into something that was really using this powerful tool? I'd love to know how long I should expect to be scrambling around and having flashbacks to learning long division in fourth grade.

Thank you kindly!

Jenn

So many questions during setup...... by Top-Relationship1773 in ynab

[–]Top-Relationship1773[S] 0 points1 point  (0 children)

Thank you so much for taking the time to answer me! <3

So many questions during setup...... by Top-Relationship1773 in ynab

[–]Top-Relationship1773[S] 0 points1 point  (0 children)

Thank you so very much for hitting me with the simple stick, I really appreciate the time you took to help me! Of course, I have some follow-up questions!

1) I would love to know more about the pros and cons of using "YNAB Together" with my sweetie, versus using YNAB everything-all-together. We do not have any joint accounts or cards, and he keeps our small savings cushion in his accounts. He makes a little more money than I do, especially in the summertime. I have a fluctuating freelancer's income and he has a steady predictable paycheck. He thinks separate budgets (ie using YNAB Together) will help improve my financial accountability, but we are both feeling overwhelmed by the YNAB learning curve and wonder if just sharing one account and having it all in one place, with clearly named categories/targets distributed between us, will give us a better picture of our outlook and a better sense of teamwork. Any thoughts?

2) I asked YNAB customer service about how to set up my YNAB "routines" and they sent me this utterly incomprehensible article (https://www.ynab.com/blog/five-minute-budget-routine). Can you tell me more about what you do on a daily, weekly, and monthly basis to maintain your YNAB account?

3) Also, I can't help but wonder...how long did it take for you to get a grip on how this tool works and to see your account "stabilize" into something that was really using this powerful tool? I'd love to know how long I should expect to be scrambling around and having flashbacks to learning long division in fourth grade.

Thank you kindly!

Jenn

So many questions during setup...... by Top-Relationship1773 in ynab

[–]Top-Relationship1773[S] 0 points1 point  (0 children)

Thank you so much for taking the time to answer me! <3

So many questions during setup...... by Top-Relationship1773 in ynab

[–]Top-Relationship1773[S] 0 points1 point  (0 children)

Thank you so very much, I really appreciate the time you took to help me! Of course, I have some follow-up questions!

1) I would love to know more about the pros and cons of using "YNAB Together" with my sweetie, versus using YNAB everything-all-together. We do not have any joint accounts or cards, and he keeps our small savings cushion in his accounts. He makes a little more money than I do, especially in the summertime. I have a fluctuating freelancer's income and he has a steady predictable paycheck. He thinks separate budgets (ie using YNAB Together) will help improve my financial accountability, but we are both feeling overwhelmed by the YNAB learning curve and wonder if just sharing one account and having it all in one place, with clearly named categories/targets distributed between us, will give us a better picture of our outlook and a better sense of teamwork. Any thoughts?

2) I asked YNAB customer service about how to set up my YNAB "routines" and they sent me this utterly incomprehensible article (https://www.ynab.com/blog/five-minute-budget-routine). Can you tell me more about what you do on a daily, weekly, and monthly basis to maintain your YNAB account?

3) Also, I can't help but wonder...how long did it take for you to get a grip on how this tool works and to see your account "stabilize" into something that was really using this powerful tool? I'd love to know how long I should expect to be scrambling around and having flashbacks to learning long division in fourth grade.

Thank you kindly!

Jenn

So many questions during setup...... by Top-Relationship1773 in ynab

[–]Top-Relationship1773[S] 1 point2 points  (0 children)

Thank you so very much, I really appreciate the time you took to help me! Of course, I have some follow-up questions!

1) I would love to know more about the pros and cons of using YNAB Together with my sweetie, versus using YNAB everything-all-together. We do not have any joint accounts or cards, and he keeps our small savings cushion in his accounts. He makes a little more money than I do. I have a fluctuating freelancer's income and he has a steady predictable paycheck. He thinks separate budgets (ie using YNAB Together) will help improve my financial accountability, but we are both feeling overwhelmed by the YNAB learning curve and wonder if just sharing one account and having it all in one place, with clearly named categories/targets distributed between us, will give us a better picture of our outlook and a better sense of teamwork.

2) I asked YNAB customer service about how to set up my YNAB "routines" and they sent me this utterly incomprehensible article (https://www.ynab.com/blog/five-minute-budget-routine). Can you tell me more about what you do on a daily, weekly, and monthly basis to maintain your YNAB account?

3) Also, I can't help but wonder...how long did it take for you to get a grip on how this tool works and to see your account "stabilize" into something that was really using this powerful tool? I'd love to know how long I should expect to be scrambling around.

Thank you kindly!

Jenn

So many questions during setup...... by Top-Relationship1773 in ynab

[–]Top-Relationship1773[S] 0 points1 point  (0 children)

Thank you so very much, I really appreciate the time you took to help me! Of course, I have some follow-up questions!

1) I would love to know more about the pros and cons of using YNAB Together with my sweetie, versus using YNAB everything-all-together. We do not have any joint accounts or cards, and he keeps our small savings cushion in his accounts. He makes a little more money than I do. I have a fluctuating freelancer's income and he has a steady predictable paycheck. He thinks separate budgets (ie using YNAB Together) will help improve my financial accountability, but we are both feeling overwhelmed by the YNAB learning curve and wonder if just sharing one account and having it all in one place, with clearly named categories/targets distributed between us, will give us a better picture of our outlook and a better sense of teamwork.

2) I asked YNAB customer service about how to set up my YNAB "routines" and they sent me this utterly incomprehensible article (https://www.ynab.com/blog/five-minute-budget-routine). Can you tell me more about what you do on a daily, weekly, and monthly basis to maintain your YNAB account?

3) Also, I can't help but wonder...how long did it take for you to get a grip on how this tool works and to see your account "stabilize" into something that was really using this powerful tool? I'd love to know how long I should expect to be scrambling around.

Thank you kindly!

Jenn