YOU NEED A BUDGET FORUM HOW TO
YOU NEED A BUDGET FORUM SOFTWARE
YOU NEED A BUDGET FORUM TRIAL
YOU NEED A BUDGET FORUM PC
YOU NEED A BUDGET FORUM PLUS

The main issue for me was that you HAD to run your 'budget month' from the 1st to the 1st. I trialled it last year but whilst I was initially wowed I just couldn't get along with it. Just export your budget sheet as CSV, copy the contents and paste it cold into cell A1 on the first sheet and the excel sheet does the rest. Some kind soul on the YNAB forum actually invented a spreadsheet to analyse your budget using YNAB exported data that works really well. Using other tools like the snowballer I can then figure out and apply values to the correct categories to pay off the debts.

I know it might have to change, but as ballpark figures, it works well. I have forecast the budget right up to the end of the year this way although it isnt rigid. When I actually get paid, I categorise that income in the correct month and delete the 'fantasy' income transaction - effectively swapping the placeholder for a real transaction. You can forecast easily by adding un-cleared transactions for the coming months to represent income. Stick with it and use the forums as the people there are ace and all the free support information is amazing. It is hard to get your head around the methodology of YNAB and a lot of people want to forecast which YNAB isn't really built for but you can kind of do it, I haven't felt the need at all though. I have all of my Car, House etc insurance amounts building up so that when they are due I can go and pay them in one lump sum thus saving money. Watched a couple of videos and went to 2 webinars which are all free btw and bam the light bulb went off and since June last year I have followed the YNAB method and have gone from that 1500 to having over 10k in the bank, paid off a 0% CC and am half way to paying back 6k I owe my dad.

So as others I happily setup my budget accounting for all expenses for that month and then promptly found that didn't work as I wasn't following the 4 YNAB rules. I wasn't in debt as such and had 1500 sitting in the bank but I always panicked when the CC bill came in and never saved up for things like Car Insurance so paid more by having to go the direct debit route. I think I heard of YNAB on here actually and went to investigate and got the trial. I'll add my Yell of HELL YES to the others lol. Definitely spend your trials period searching around, there are lots of YNAB bargains to be found.

YOU NEED A BUDGET FORUM PC

I got my YNAB copy through the MAC website, it was greatly reduced and I have a Windows Pc and it worked perfectly. It truly is an EXCEL spreadsheet on Steroids as a pp stated. All I need to do is lay out my budget with WEEK 1, WEEK 2 etc and put bills coming out in those weeks in sub-categories. I watched al their video tutorials and search their forum and they answered it perfectly.

YOU NEED A BUDGET FORUM HOW TO

We get a weekly wage and I was puzzled for a while on how to lay out the budget in YNAB for weekly pay. Just because you have money in the bank doesn't mean you can necessarily afford to buy x, y or z. YNAB teaches you to check your BUDGET to see if you can afford things rather than checking your Bank Statement. I signed up for YNAB in January and as you can see from my signature I have killed off nearly a quarter of my debt already. I have been on and off this site since 2007 trying to kill off my debt with very little success.

There were a couple of tips in the webinar that were really useful. I had a browse of the forums, signed up to the emails and did the introductory free webinar.

YOU NEED A BUDGET FORUM PLUS

Plus with a variable income it's actually really helpful to only enter what we actually have in our hot little hands For me this is really good as I can't start mentally spending money we don't have. The other thing that took me a while to figure out is that it's not really about forecasting, you'd need to do that separately.

YOU NEED A BUDGET FORUM SOFTWARE

It's definitely more a system than just a software budget, not everyone will got on with it! It seems pretty much like envelope budgeting/ piggy banking, with a couple of notable additions eg having one months income as a 'buffer' so you are always one month ahead in terms of allocating income. I have now found a spread sheet and that seems to be working fine, but I feel all left out!!Įnjoy YNAB, lots of folk speak very highly of it.

YOU NEED A BUDGET FORUM TRIAL

I signed up for the free trial after hearing people rave about it.but couldn't get my head around it at all.

You need a budget forum