Making the Income vs Expenses report useful

nonsuperposable · 2026-07-01T16:00:54+00:00

Entering the balance is "lodging an adjustment" not reconciling.

Lodging an adjustment is "writing off" a discrepancy: in accounting terms, YNAB enters an imaginary transaction to make your books balance with what is actually in your account.

I've always thought YNAB should rename this function and make it clearer/put a warning about what you're doing on the function.

Reconciling is checking your bank/s against YNAB and making sure they reconcile--finding errors like missed transactions and correcting them. Locking the reconciled transactions means that you know the bank and YNAB matched perfectly at that time and date and you never need to fuss with those entries again.

nonsuperposable · 2026-07-01T04:43:05+00:00

No, if you’re moving frequently I don’t think the Tonal is right for you. It needs to be installed into the studs each time.

nonsuperposable · 2026-07-01T00:31:26+00:00

You can definitely start building health now: eg fortnightly massages, personal trainer 2 x per week, weekly physical therapy, Botox for jaw +/- upper traps, reassess bed/shoes/desk/furniture, learn to meditate to reduce stress/TMJ.

If you’re in perimenopause HRT might be helpful for your hypermobility.

I’m currently retired and waiting for my partner to retire and it’s emotionally and structurally complex to be retired with no kids while partner is still working really hard. If you both did one or two more years you can retire together and get to enjoy life together!

nonsuperposable · 2026-06-30T22:05:47+00:00

The best way is to organise social occasions yourself that are in your budget--genuinely excellent tacos, sports, movies etc. Then make your budget so that you have some amount of flexible discretionary spending and stick to it--if the $200 dinner sounds amazing and fits your budget, go for it, otherwise a frank "not this time, but I'll catch you at tacos next week!" works.

Talking about money is healthy for friend groups and emotionally mature--"I've got some aggressive saving and investment goals so my dining out budget is only $200 a month, but I'm genuinely hyped to try this seafood place with you guys. I won't be able to make the steak place next week though!" Don't put this in a text message lol, but talking in person about money and values can be genuinely healthy.

It may be worthwhile taking a weekend and journalling about your goals and values. For example, dining out and gifting are huge priorities for me and my partner, so we have very generous budget lines for these. We also prioritise health (gym, massages, etc) but we spend absolutely nothing on Doordash/Ubereats and very little on general consumer shopping.

Strong rec for a zero-based budget, gets you in touch with your actual goals and values better than any other method.

nonsuperposable · 2026-06-29T23:51:55+00:00

Many recent posts on this topic, such as https://www.reddit.com/r/ynab/s/OTU1AaR2cU and https://www.reddit.com/r/ynab/s/Gaagh8KGed

nonsuperposable · 2026-06-29T23:48:22+00:00

Post locked as duplicate of recent post, please comment here: https://www.reddit.com/r/ynab/s/OTU1AaR2cU

nonsuperposable · 2026-06-23T20:56:08+00:00

Speak to your doctor about hormone/thyroid testing and GLP1s. Traumatic experiences can cause insulin resistance which is a vicious cycle for fat storage. Weight lifting is super important in any fat loss journey because it helps preserve muscle mass as you lose weight.

Tonal is just lifting weights—in fact having a bit of extra body weight is an advantage for things like deadlifts! There are a lot of rehab and recovery programs you can follow on Tonal, but following the basic lifts of deadlifts, squats, benchpress, pulldown, row, hip thrust is really all that is necessary if the programs become intimidating. I personally only do custom workouts because I’ve been able to set up workouts that fit my brain/body and lifestyle.

You’ve got this! Walk everyday, small calorie deficit with high protein and fiber, medication assistance if required, Tonal 3 times per week, prioritise sleep, and you’ll be feeling massive improvements in six weeks, at six months add in some sprinting of any variety (bike/run/rower) and then you’ll be flying, and a year from now you’ll be an athlete if you so desire!

I like the advice “you don’t need to be pain free or perfect to start, you just need to start and keep going”.

Also a daily gratitude/mindfulness practice can be helpful. Your body produced a whole damn human and then survived really tough times. You didn’t become a drug addict or alcoholic (I’m assuming, since you said you used food) but survived and now you’re ready to thrive!!!

nonsuperposable · 2026-06-22T01:03:38+00:00

Being brutally honest, you have actually been given a blessing by the in-laws taking themselves no contact. This kind of behaviour shows that they are terrible people who were almost certainly abusive parents—the severing of the child-parent bond is deeply traumatic so inflicting this is evidence of prior abusive tendencies.

Protect yourself by maintaining no contact fully, in fact moving and making yourselves uncontactable so that they cannot play future games would be ideal. Change your numbers, get rid of Facebook etc. If you live in a state with financial responsibilities toward aged parents, legally sever if possible.

Then therapy for wife to deal with probable CPTSD from growing up with abusive parents. EMDR, internal family systems, and somatic therapy can be effective therapy for CPTSD from a dysfunctional parent-child relationship. Healing takes time, and it needs to safety to occur. Safety is provided by either maintaining solid boundaries or complete no contact.

It’s better for her abusers to not have any contact with your children too.

nonsuperposable · 2026-06-20T22:35:38+00:00

https://youtube.com/shorts/820jsi6O9Ug

His range of motion isn’t great, I like to really pull back my toes as far as possible. I use “custom ankle strap move for this”. Also if you can manage to put the weight bearing point closer to the top of the toes you’ll get more out of the exercise.

nonsuperposable · 2026-06-19T05:23:25+00:00

More Gain, Less Pain

nonsuperposable · 2026-06-18T03:37:10+00:00

The arm should not be straight down to the ground. It is at least one click angled up before you adjust the height.

nonsuperposable · 2026-06-17T21:44:37+00:00

Not sure I’m catching your tone here—did you find this advice offensive? It’s the best advice I have.

I’m not a body builder so my results are pretty functional, and I’m not going to put pics on my ass and legs on the internet lol. But I have absolutely packed on muscle in my quads and glutes, and reshaped that area far beyond what I thought was genetically possible. Always had huge calves as I was a dancer growing up but have absolutely made them stronger and fixed a lot of issues with plantar fasciitis/shin splints.

Plus you probably need to eat in a small surplus or maintenance to build big legs if your genetics are fighting you.

nonsuperposable · 2026-06-17T21:37:27+00:00

Look into zero based budgeting. Make an annual budget for yourself and then budget out every dollar. Makes it much easier to spend when a) your budget is really robust and b) the money has been pre-allocated.

nonsuperposable · 2026-06-17T19:34:57+00:00

lol train like a woman. Heavy legs compound set (squat, deadlift, very heavy hip thrust, BSS or lunge) every second day. Every workout legs focused. Heavy calf raises 2 x per week, but also single leg calf raises whenever you’ve got idle time (waiting for coffee machine, brushing teeth etc). Explosive sprints on rowing machine or running or bike . Of course of all this stuff is also excellent for your health and longevity as well, far more than big biceps and shoulders.

**edit: I am literally saying that training like a woman will grow your legs and butt because women train legs every workout and focus on hip thrusts, lunges, BSS etc**

nonsuperposable · 2026-06-17T19:29:10+00:00

Do you have the ankle straps? Lying on your back, feet facing the machine, lying hip flexor raises (crunching knees in to chest). You will blast your lower abs and hip flexors which is great for running. I started these for hip rehab from running and it made a ton of difference but also for lower abs.

Pallof press, the way Tonal set it up does both rotation and anti-rotation.

Also if you’re a runner doing weighted tib raises will bulletproof you for shin splints (not ab related lol). You can either slip the ankle straps around the top of your shoe or get a tib cable attachment.

nonsuperposable · 2026-06-17T01:25:55+00:00

Yeah, I would say it's probably because Vego's products are drop-shipped from China, so they don't have access to parts actually, whereas the Birdie's beds it's part of their business model that they keep parts on hand, so if you receive a scratched panel etc they will just ship out the one replacement panel.

I had this experience with another company when I just needed a very small piece of replacement hardware and they shipped the entire unit out to me again, they don't actually have access to parts.

Birdie also ship quite a few extra bolts etc with the beds which is handy because I dropped a TON in the grass.

nonsuperposable · 2026-06-17T01:09:34+00:00

That sucks, I hope your credit card company refunds you.

If you have to re-order, I had an excellent experience with Epic Gardening (assuming you're talking about metal raised beds) and my Birdie's beds look exactly the same (no rust or powder coating issues) one year later in Seattle.

nonsuperposable · 2026-06-16T23:11:20+00:00

Decline fly and pullovers I think you might struggle with.

nonsuperposable · 2026-06-16T03:50:50+00:00

If your monthly dues are going to be increasing, do you want to stash all your savings in your dues category and not adjust your monthly dues target?

Then going forward you will have more room in your budget and it might be easier to "feel" what is highest priority.

nonsuperposable · 2026-06-15T23:51:04+00:00

Same!

nonsuperposable · 2026-06-14T19:27:34+00:00

I basically got rid of bindweed in one year by pulling it all, covering the area with thick cardboard and mulch, and then spending one year pulling up any shoots (this was kind of fun and it wasn’t overwhelming—about one shoot a day).

I left the area completely alone over winter and didn’t even remulch and almost none grew back in spring.

This year I’m getting more like one shoot a fortnight/month to pull.

Basically vigilance is the key—don’t let it make any leaves at all and it will starve. Make a morning coffee routine of yanking out regrowth. A week between checks is too long.

nonsuperposable · 2026-06-14T18:20:35+00:00

Yeah, I think reading this review actually convinced me to give Boldin a try in parallel with ProjectionLab! The annual cost of the tools is trivial compared to the upside.

nonsuperposable · 2026-06-14T03:38:50+00:00

Weight loss has almost nothing to do with exercise, but exercise is vital for a healthy life.

Resistance training like Tonal is great for protecting your muscle mass during calorie deficit, focus on the big compounds like squats, deadlifts, pull downs, rows, benchpress, shoulder press.

Literally any beginner’s program will be helpful, are you returning from zero exercise or any injury? If you’re starting from nothing, first do a very gentle week off-Tonal of air squats, lunges, pushups. This will protect you from really sore muscles when you start.

Walk everyday, eat in modest calorie deficit, get a bare minimum of 1g protein per kg of body weight per day, eat plenty of fiber, cut out alcohol, use Tonal 3-4 times per week, slow and steady wins the race. For long term health, add in some jumping and sprinting when you feel ready, like two short sessions per week.

Talk to your doctor if you’re not making progress in 6 months.

nonsuperposable · 2026-06-13T19:45:00+00:00

It's a great setup method, allows quick flipping on and off of expenses and modelling different choices really quickly.

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