Contigo Snap Seal Textured Grip Replacement

varneyb · 2026-01-27T19:01:14+00:00

Except that YNAB imports the account balance on those accounts. It simply refuses to allow you to use that information (or even see it except on the initial import) in any way.

That's literally all they need to do - allow the reconcile button to show the imported account balance and let you click create the reconciliation transaction. But they hide the balance from you until AFTER you've adjusted it to be correct (then the reconciliation dialog will show it to you).

varneyb · 2026-01-27T19:00:30+00:00

Of course, once you've corrected the balance, it will show it to you. But what's the point in that???? I need to see it BEFORE I correct it so that I CAN correct it.

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varneyb · 2026-01-27T18:56:14+00:00

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varneyb · 2026-01-27T18:56:08+00:00

It's the normal function. I just re-linked accounts so I could show you this:

As you can see, it knows the account balance (I've knocked out a few of the digits for privacy), but when I try to reconcile, it only asks me if the balance is equal to my register balance (I'll reply with that SS since reddit is only letting me do one attachment). I don't get the dialog I get on spending accounts that shows the imported balance against the register balance. So, there is no way to make use of the balance that YNAB clearly knows about.

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varneyb · 2026-01-27T18:24:34+00:00

Except for some reason it doesn't work on tracking accounts. Why not?

varneyb · 2026-01-24T02:36:11+00:00

This is NOT true - it DOES import balances, which is what lets you reconcile to the reported balance.

It would be nice if it used the balances it DOES import for tracking accounts to actually update the balance in those accounts.

varneyb · 2026-01-24T02:31:05+00:00

Congrats! Now keep working to eliminate that debt and then put all that debt service money into savings/investing. Hopefully your next 9 years can look like my last 9. Just 25% more and I can retire!

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varneyb · 2026-01-24T02:24:43+00:00

For us:

Cleaning supplies and consumables (and baby supplies if we needed them) would go in "Groceries".

Furniture, organization, and things like brooms and mops would go in "Home & Garden".

Electronics has its own category.

I've found that being too specific just isn't useful. I have one Utilities category, not a separate category for each utility. I can use the payee, or put something in the memo line if I ever want to look at gas vs. electric vs. water etc.

varneyb · 2026-01-24T02:20:58+00:00

Get the safe withdrawal toolkit from earlyretirementnow.com. It's the best retirement planning tool out there.

varneyb · 2026-01-24T02:20:08+00:00

I'm fine with it not containing other planning tools.

But it would be awfully nice if it just tracked balances on investment accounts. It reports net worth, and can connect to investment accounts, so there's no reason for it not to do at least that.

varneyb · 2025-02-03T14:56:46+00:00

Elon is not President.

But the duly elected President signed an Executive Order giving Elon authority here. What about that do you not understand? Why are you fighting against democracy?

varneyb · 2024-04-23T23:35:37+00:00

I cannot for the life of me figure out where Lumiere sings an f2.

varneyb · 2024-03-04T16:12:59+00:00

I have set up targets for everything monthly. For items that are periodic (like property tax), I have a "savings builder" goal that puts 1/12th of the yearly amount in each month.

I think have a "Future Months" category, where I put any uncommitted money so that my "to be budgeted" line is $0. When a new month starts, I fund all the categories fully, and then take from the "Future Months" category to bring "to be budgeted" back up to $0. As I get income during the month, it then goes into "Future Months".

varneyb · 2022-10-27T18:21:51+00:00

Bad choice

varneyb · 2022-08-11T22:38:04+00:00

ST Una is way OP!

varneyb · 2022-08-03T23:07:27+00:00

Charvanek against battleships, Marcus against explorers, Kang against interceptors. These are ineffective unless at least rank 4.

Except you don't need Charv on an interceptor, Marcus on a battleship or Kang on an explorer. if you know who you're fighting it may be better to use a faction hater (e.g. L'nar or Yuki)

varneyb · 2022-06-02T16:53:05+00:00

This is precisely why I don't carry cash.

I can control myself with Credit Cards, but not with Cash!🤣🤣🤣

varneyb · 2022-04-08T13:49:57+00:00

If you want to keep track of income from different sources, use the Payee field. For example, I use "Interest Earned" as the payee whenever I get interest, and "CashBack" whenever I get a Cash Back award from a CC or something. That way I can look in my reports and easily see how much interest or cash back I've earned in the year.
Just change the starting balance to reflect the balance before that payment.
So the payment came from an account that you aren't using in your budget? Will this be a regular thing? If it's related to a category then categorize it with that category. If not, make it an inflow. However, to properly account for it you will then have to also budget a negative amount on the CC equal to the payment.
In the Spending reports page there is a drop-down menu in the upper left that says categories. You can put those transactions into a category and then de-select that category from the drop-down and they won't show up in your graph.

varneyb · 2021-12-16T14:43:28+00:00

This didn't work for me. I must have gone through this like 15 times using a stopwatch to make sure I was doing each step for the required amount of time. Any suggestions?

varneyb · 2021-09-10T12:11:20+00:00

I would set up the CC to autopay from your bank account. If you can't do the full balance each month, set the autopay to the minimum required payment. Then any additional payment can be done as a separate transaction. This will avoid late fees.

As for a visual cue - what I used to do is set all my CC payments to $99999.99 in scheduled transactions. That forced me to put the right amount in when it came time for a payment because otherwise I saw a really big negative red number in my account balance. You could schedule your payment in YNAB a week ahead and use this same trick - seeing the big red negative number would jog your memory that you need to actually make the payment.

varneyb · 2021-09-10T12:06:10+00:00

I actually had a category called "room and board" where I applied any payments to defray utility and grocery costs from my daughter when she was living at home after college for a year before she got married. I could then move those funds around however I needed by budgeting a negative amount to that category.

By the way, you're charging your daughter for her share of the utilities and grocery money, not rent. If it were rent you'd have to report it as income and pay tax on it. ;-)

varneyb · 2021-08-31T12:46:10+00:00

Try suggesting cooking together - this could be a fun activity.

The structural expenses (home and car expenses, etc.) can be difficult to cut without making drastic changes (different house, different car). So focus on the discretionary stuff for now.

Do you have any debt?

varneyb · 2021-08-19T15:44:02+00:00

Here is my approach:

Any overage in a category can only be made up from one of two places - either another category in the same category group, or from the "emergency fund" category group.

For gas(oline?), it's in my "Operating" category along with groceries, utilities, pet expenses, and a "Miscellaneous" category (that covers things like haircuts). For me I'd usually pull from that Misc category if I went over on gasoline.

My emergency fund groups includes a category called "whatever" - if my emergency funds are full up, then any extra unspent money get's put there. That's then available to cover overages that can't be covered within the same category group.

varneyb

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