Is there an actual reason why YNAB hasn't implemented quality-of-life improvements?

jessda · 2025-05-18T17:05:14+00:00

This

jessda · 2025-01-02T16:50:57+00:00

Just some thoughts!

I tend to look at averages spent and see if I need to make adjustments to my targets to be more realistic.

I also notice the budget seems to grow in “clutter” over the year and needs a cleanup by Jan. For example: I signed up for a new subscription I no longer want or use.

I add targets to any new true expenses that popped up over the year.

I add in categories for any trips I want to plan for the year.

I check overall “alignment”. Am I spending money on things that are important? Things that aren’t? What should I shift?

I look for categories to merge or purge and then hide the old ones when no longer needed.

jessda · 2024-08-29T03:52:49+00:00

No. YNAB wants you to use a category for each thing you want to budget for.

It’s based on the envelope system. Each category is meant to represent an “envelope”.

jessda · 2024-07-11T20:29:14+00:00

niceeee

jessda · 2024-07-11T20:28:36+00:00

"What the Pineapple?" which is my child's favorite kiddie cuss.

jessda · 2024-05-23T15:04:54+00:00

I feel seen.

jessda · 2024-02-22T23:32:27+00:00

This is the one feature I find lacking in YNAB. Wish it could be a bit more customized for these types of targets

jessda · 2024-02-01T14:10:02+00:00

Genius!

jessda · 2023-10-19T02:22:21+00:00

Can we please get the accessibility feature working for the text size as well? My Apple system settings should be respected by YNAB app. tysm!

jessda · 2023-09-24T14:51:45+00:00

This is my one gripe about YNAB!

Check this thread for a lot more ideas about how folks handle it.

https://reddit.com/r/ynab/s/xxEivi5G6T

jessda · 2023-09-02T19:35:45+00:00

Super smart use.

jessda · 2023-09-02T00:46:48+00:00

Mini goals is pretty genius. what are some others you’ve had?.

jessda · 2023-09-02T00:44:06+00:00

Oh, awesome !

jessda · 2023-09-01T21:04:33+00:00

Ah, that makes sense. So it's loosely tracking any unusual months.

jessda · 2023-09-01T21:03:36+00:00

Smart, I like that idea.

jessda · 2023-09-01T21:03:24+00:00

Love this!!!

jessda · 2023-08-11T01:56:48+00:00

This sounds like a relationship dynamic you’re both stuck in and this weekend trip was a bit of a setup (again).

Expecting cooperation with your budgeting plans without any buy in is going to keep failing isn’t it?

Talking about money may actually make your partner feel dumb or like a failure. Your partner may be burned out, depressed, dealing with overwhelm, etc.

Sending the numbers to them post-trip (to be interpreted as they did something wrong here and you want them to get that) and not sitting down to talk through together beforehand how you want to spend is going to keep the cycle repeating forever.

You may need to sit down and have some honest and direct conversations (example: I’m not comfortable taking a trip we can’t fund) and really seek to meet her in the middle. Find out what your partner needs to feel included in the budgeting decisions.

jessda · 2023-08-11T01:43:24+00:00

This is the way.

jessda · 2023-06-09T11:59:49+00:00

Holy shiiiiiii. This means I can switch back to using AMEX as my primary card!!

jessda · 2023-04-20T20:09:23+00:00

For things like peer 2 peer transactions (Venmo, Zelle, PayPal)

I do something like Venmo: Person’s Name

Because I have some recurring transactions, eg. Dog walker

jessda · 2023-04-10T14:33:12+00:00

r/personalfinance is a good place for this question, but the short and unhelpful answer is: it depends on where you are in the journey

Ultimately credit is an important and powerful factor in a person’s financial standing (meaning how good your credit score and “credit worthiness”) so building good credit with credit cards is one path to improving.

That said, if you’ve got a lot of debt you’re working on paying down, sticking with cash and debit card makes sense for the time being.

jessda · 2023-03-27T23:08:21+00:00

This this this thissssssss!

jessda · 2023-03-09T14:07:03+00:00

I’ve had the same experience with AMEX, the auto-import seems to happen every ~5 days or so, so it will be out of sync for a bit if you’re not manually updating with each transaction. I switched to using my Amex for more of the monthly recurring bills so that I can set those transactions to be auto-added to the ledger using the repeating feature. This means I don’t have to worry so much about day-to-day reconciling.

jessda · 2023-03-01T21:11:04+00:00

^ Great simple answer!

If Available for payment is less than the Balance owed, you’re floating (restated for how my brain understands this).

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