How To Use Ynab

You Need a Budget, or YNAB, is a popular personal finance app. Using the Budget How does the Budget work? Instead of looking back and recording what you’ve already done with your money (too late), YNAB helps you decide proactively how to use your money. eyes, check out my 1:1 YNAB coaching. Check out Part 1 if you need to catch up! When you create your YNAB account, it will come with. Description. Making sure everything under the hood is in order. YNAB offers free online classes to get you started on this budgeting journey. It doesn't need to. I just started using YNAB and feel overwhelmed with how complicated it is if I use a credit card for 99% of my purchases. ynab-api-starter-kit. We don't spend a ton of money on allowances, but I like to have it accounted for at the beginning of the month. All income in YNAB is categorized as Inflow: To be Budgeted. If you’d like to continue using YNAB 4, check out this page for all the details on compatibility and support. I ran across YNAB recently and L-O-V-E it. I don't really understand what my "Age of Money"…. YNAB will draw a line between the spending that took place before you started YNAB, and the spending that takes place afterwards. This tutorial will walk you through every single detail of using credit cards with YNAB. Hi YNAB community! I've been using YNAB for four years now and love it, but recently I've started getting confused by some of the numbers I'm seeing. You Need A Budget 4 (YNAB) All Discussions Screenshots Artwork Broadcasts Videos News Guides Reviews 0 in Group Chat | View Stats. Recent Articles. One of the big changes to the web version of YNAB is that credit cards are handled differently, as described in the YNAB 4 transition guide. Check out Part 1 if you need to catch up! In Part 1 we talked about, why we needed help better managing our finances, what YNAB's principles for budgeting are and how to get […]. Any other host verified to be owned by You Need a Budget, like *. I’m using the original or classic YNAB and I have no trouble manually imported my expenditures. Budgeting has been such a fun way to get in control of my finances. In Softonic we scan all the files hosted on our platform to assess and avoid any potential harm for your device. YNAB will help you work toward living on last month’s income. YNAB is mentioned in best personal finance software. YNAB's 4 Rules: #1 Give every. After a year of use, I can confidently say that this tool has played one of the most important roles to the rapid murder of my loans and I highly recommend it. How I stumbled on the software You Need a Budget (YNAB), I cannot recall. Get on the path to financial freedom, start your journey with YNAB, and change your life today!. Two of the budgeting tools that we recommend are Mint and YNAB (You Need a Budget). On Macs, it is commonly under Documents/YNAB if you're not using cloud sync. Suddenly, credit cards are easy. Showing 6 results. YNAB’s method gave me a reality check a few times. Stephen Weiss on Template Budget / Column that shows how much you need to budget in a category. There have been requests for that feature to be added but not sure how close that is. By Peter Anderson 9 Comments-The content of this website often contains affiliate links and I may be compensated if you buy through those links (at no cost to you!). This is a group for people who use YNAB (You Need a Budget) software. Step Three: Customize the Categories. 30 articles Credit Cards & Debt. YNAB works to educate its customers about finances, budgeting, clearing debt, and aging your money to always stay ahead. You Need A Budget (YNAB) Current track: 323 - How to Retire and Move to the Woods Fulltime 323 - How to Retire and Move to the Woods Fulltime. With YNAB it doesn't matter what method you use, it's all easy to see and understand and the app automatically keeps track of the money you spend on your card and keeps the money aside for you to pay when you pay your account. Be Articulate Landlord. Once you've imported your data, reconnect your bank accounts and you're good to go. Most popular community and official. Have you watched any of the live or recorded classes?. Step 5: Budget your dollars. Before we get started, there's one important thing you need to understand: Mint is a budgeting and expense tracking app, and You Need a Budget (YNAB) does those things too, but it's also a budgeting system. Now I have some savings in my RRSP and want to use it to to buy a home for myself alone using the first time HBP plan. Download it once and read it on your Kindle device, PC, phones or tablets. This app is not officially supported by YNAB in any way. In addition to categorizing new transactions in about five seconds, you can move money around as your priorities shift. The company says it expects that couples will share passwords and create multiple budgets. YNAB isn’t a current account, so you won’t be spending money through it whether you are at home or abroad. If you have more questions, please leave a comment below. We will then automatically keep your YNAB account up to date with any transactions from your bank. Since I have all those. The software allows you to "give every dollar a job" and get beyond living paycheck to paycheck. Please use at your own risk!. Remember that you’re using those category balances to make spending decisions!. Budgeting for true expenses has made a really big difference using YNAB. New ideas crop up and take place to make things work even better. They run several online webinars every week designed to assist you in making your money work. APY may change at any time before or after account is opened. The only thing I did differently was to ‘backtrack’ our expenses- I created the categories by looking at our bank statements from the prior three months. Once you understand YNAB’s Four Rules, you’re ready to get started and set up your budget! We’ll put the first two rules into action and show you how to plan for all your expenses by adding. Over two years ago, I wrote an article titled "You Need A Budget could save your life. You can be one of them! A Proven Method—YNAB's Four Rules Rule One: Give Every Dollar A Job | Be intentional about what you want your money to do before you spend it. exe, YNAB 3. If you want to see how other people are using YNAB, you will also have access to other YNAB users who share their budgeting strategies, questions, and helpful tips. With the four rules in hand, you’ll be ready to set up your budget, take control of your money and reach your financial goals. How to use YNAB to Recover from Financial Set Backs My emergency fund went from $1,200 to nothing within two weeks. YNAB advertises that all transactions in a checking, savings, or credit card account will be available for import within 12 hours. It helps you avoid common budgeting mistakes that can have a long-term impact on your finances. I have an obscene amount of money in my accounts in YNAB. Learn how using the YNAB budget program for a year changed our family's life forever. Or there’s the things you know are “coming up” but never quite remember when, or how much they’ll be. How do I know it’ll work?. YNAB and Financier. YNAB will draw a line between the spending that took place before you started YNAB, and the spending that takes place afterwards. We just tried YNAB today, and I don't like how you have to live on last month's income. The scheduled transactions tool collapses unless you want to use it, and accounts used for budgeting, off-budget and closed accounts collapse on the sidebar. exe or YNAB 3 Beta. It's a sizable percentage increase but not a really high dollar increase, just under $3 a month. I finally broke down and decided to review YNAB, better known to some as You Need A Budget, the premier personal budget software package. We don't spend a ton of money on allowances, but I like to have it accounted for at the beginning of the month. So far, I like the ease of the program and really like that it is web based and I am able to access it on different devices. Using a budgeting program like the ones we've mentioned here is important. That's probably why there are so many different personal finance software options out there. For this majority, Mint and YNAB’s connected-account option is a great starting point. An unexpected bill for a doctor visit a month ago. You Need a Budget Features The YNAB software has been laid out in an easy, intuitive format. Various use cases may include; email a summary of category balances, send a text message to manage spending, place a transaction and specify a payee, use devices to get notices for category balances, design creative alerts and. I also love Jessie’s Whiteboard Wednesday where he does a video on a different subject every Wednesday, usually about 5 minutes long. I thought you had to use a cash envelope system to make a zero-based budget work. The feedback you provide will help us show you more relevant content in the future. Download it once and read it on your Kindle device, PC, phones or tablets. Come learn about YNAB’s Four Rules which are at the heart of everything we do. And for this reason, YNAB and my recommendation is NOT to use YNAB or Financier to manage your investment portfolio actively. APY may change at any time before or after account is opened. This YNAB JavaScript SDK provides access to the YNAB API. Allowance for YNAB is a companion app to the You Need a Budget service that allows you to select the categories you are most interested in and display them in places where you can, at a glance. I don’t forget to budget for the allowances. If you are mapping YNAB accounts to new Undebt. How to not break YNAB’s philosophy. The most important thing about using credit cards in your budget has nothing to do with credit cards. I'll personally hop on a video call with you and help you set up YNAB and answer all of your questions, just me and you. Most popular community and official. How do I know it'll work?. YNAB offers free online classes to get you started on this budgeting journey. Remember that you’re using those category balances to make spending decisions!. But a Read More about Unison HomeOwner: A Different Way to Access Equity. ; YNAB costs $83. Can I change the budget period to match my pay cycle? How do I use a monthly budget when I'm paid every two weeks? Great questions. Approximately 4 years ago, while … Continue Reading. This probably stems from growing up sort of sheltered from my parents' budgeting process and the skewed perception that came from dad handing us cash back at the. Using YNAB abroad. Since we have two growing boys, groceries were number one on the list. We’ve found it extremely useful to enter receipts while we’re out and about, as well as to make sure we stay on top of our budget. Use features like bookmarks, note taking and highlighting while reading You Need a Budget: The Proven System for Breaking the Paycheck-to-Paycheck Cycle, Getting Out of Debt, and Living the Life You Want. com is hosted in United States on a server which is using the IP address 104. I use it and agree - it can be strange getting used to at first. YNAB focuses on budgeting all the money that you've got into various categories and then going from there. In my testing, I found YNAB to be harder to deal with up front, but it got better over time. That made so much sense and that's what've I've been doing for a couple years now. It has kept me from having to dip into my emergency fund in order to pay for quarterly or annual expenses. I’m in YNAB for all our other money matters so it’s simple to record these transactions. This is the 2nd in a series of articles on how my wife and I manage our family’s budget using YNAB. This is the 2nd in a series of articles on how my wife and I manage our family's budget using YNAB. YNAB (You Need a Budget): With a "give every dollar a job" philosophy, YNAB is big on delivering support and advice to users on how best to curb spending and save their money. Given that the first of the year is a key time for budgeting that's a little surprising. This means that while the program does automatically import transactions, it is also set up to make manual entry of transaction very easy and simple. Credit Card Basics. Two of the budgeting tools that we recommend are Mint and YNAB (You Need a Budget). Develop your vision in numbers : How to track your Net. If you've never used YNAB (You Need a Budget), then you won't know what I'm talking about in this post. If you want to see how other people are using YNAB, you will also have access to other YNAB users who share their budgeting strategies, questions, and helpful tips. The best thing I've gotten from YNAB is the idea to use last month's income for this month's expenses, so you never have to worry about a cash cushion and you know exactly how. By Peter Anderson 9 Comments-The content of this website often contains affiliate links and I may be compensated if you buy through those links (at no cost to you!). Thanks to services like Mint and You Need a Budget, it’s so easy to get a handle on your finances… Read more At this point, you might be thinking that these are less “how to use credit card” tips than “how to manage your money” tips. This program is a product of YouNeedABudget. If the thought of spreadsheets or number-crunching makes you cringe (same!), the You Need a Budget app makes it really easy to track your daily progress. Annual car registration, Amazon Prime membership, credit card annual fees, that safe deposit box you got and never remember to use. If you're looking for a YNAB alternative, you can use these easy steps (video tutorial at the bottom) to get your budget and register out of YNAB and into an automated Google Sheet. We also use a credit card for my husband's work. I used Mint in college, but in 2016 I switched to YNAB and have never looked back. YNAB (You Need A Budget) sounds cheesy, but is excellent! With Mint. You Need a Budget review YNAB is a budgeting app that helps you create a budget and track your daily spending. YNAB may, but has no obligation to, monitor use of the YNAB API to verify your compliance with the Terms or any other applicable law or legal requirement. No, it’s not your run-of-the-mill Quicken alternative. On this system, you can only budget as much money as you have, and you can only spend as much as you budget. I look forward to budgeting each month as I watch my money age. YNAB monitors all your bank and investment accounts, helps you design and (more importantly) stick to a budget, tracks your spending and allows you to set financial goals like saving for a car. This is a great article! I have a budget that works for me, that I’ve been using since September 2006, and I created it using almost all of these steps. This amount is probably pennies to some, and it's beyond my…. It has kept me from having to dip into my emergency fund in order to pay for quarterly or annual expenses. I recently stumbled across these four rules by YNAB that you can use to help drive your budgeting process. I have to admit that I'm a little obsessed with keeping track of my family's financials. Thanks to services like Mint and You Need a Budget, it’s so easy to get a handle on your finances… Read more At this point, you might be thinking that these are less “how to use credit card” tips than “how to manage your money” tips. By Peter Anderson 12 Comments-The content of this website often contains affiliate links and I may be compensated if you buy through those links (at no cost to you!). YNAB may, but has no obligation to, monitor use of the YNAB API to verify your compliance with the Terms or any other applicable law or legal requirement. So in YNAB, you would use your income to fill your envelopes ASAP, the concept was never to have it just sitting. If you want to use YNAB you have to understand the beliefs that it is built upon. I found them useful once, when my bank account did not reconcile with YNAB and it had been a while since I last reconciled. This app is not officially supported by YNAB in any way. My wife and I are not perfect and sometimes we hit financial setbacks that are beyond our control; however, each time we do we stick with our budget. The latest setup package takes up 20 MB on disk. At the top of the Budget is the Header:. it accounts, there is an option labeled "Sync transactions for new accounts?" that applies to you. Here is a full review. I noticed your categories didn’t have anything listed for self care (haircuts, toiletries), vacation, entertainment (concerts, events), or gifts. We also like how easy they are to use. I’m already using YNAB. I am in a learning curve with YNAB and believe it'll be worth the effort to change my way of thinking in order to budget for everything I can think of and not be thinking of "real-time" balances in checking but instead simply looking at what's budgeted to be spent. I went through my bank statement line by line, and used the flag feature in YNAB to mark transactions as I found them. YNAB is offering our readers 3 months completely free (no credit card required) when you click this link. You can start a new budget exclusively for your time abroad, and YNAB will notify you to help you stick to it. And for this reason, YNAB and my recommendation is NOT to use YNAB or Financier to manage your investment portfolio actively. Must have a How To Handle Personal Loans In Ynab steady source of income. You Need A Budget 4 (YNAB) Review: Cloud Sync, Better Design, Improved Reporting. To quickly get started building an App with the YNAB API. You can use the loan to pay off debt, renovate your kitchen, or even pay tuition. When it comes to EveryDollar vs. In addition to categorizing new transactions in about five seconds, you can move money around as your priorities shift. If you already use Quicken and you want to try YNAB, you don't have to re-enter your Quicken data. I used the "Intuit Quicken" export option since that uses the same default file format as YNAB. Adding to ”budgeted amount” without linking it to a transaction allows you to accurately display your savings in the budget, not just in the accounts section. Similar to other budgeting apps, such as Mint and Personal Capital , YNAB lets you connect your accounts and review your transactions as they come in. org Calc spreadsheet implementation (dubbed YNAB Basic and discontinued in July 2009) and a Windows-only executable under the name YNAB Pro (discontinued in December 2009). YNAB is more than just a slick personal finance software package. With this discount, you get the first two months free with YNAB (otherwise known as You Need A Budget). You Need A Budget. Hubby and I have been using YNAB for a number of years (we started using it back when there wasn't a web-based version). Through all of this, I've learned a valuable life. Showing 10 of 427 results. A summary at the top of the app displays rollovers from the previous month, the amount funded for the current month and the amount used month to date. While other budgeting programs simply give you a tool to budget, YNAB is based on a philosophy and method that shows you – teaches you – how to actually stick to a budget. If you’d like to continue using YNAB 4, check out this page for all the details on compatibility and support. YNAB (You Need a Budget): With a "give every dollar a job" philosophy, YNAB is big on delivering support and advice to users on how best to curb spending and save their money. Using YNAB abroad. ” (That's one of YNAB's four budgeting rules,. Quite well, actually! YNAB has two possible methods of dealing with cash and I’ll explain them both. This fast-growing community of dedicated YNAB users is quickly becoming the source if you have a question about YNAB in your specific situation. However, you can quickly and easily make back the purchase price in savings as a result of using the tool; Final Thoughts. There you can find incredible software programs. I've never had any security issues. And here are our Rankings of The Best Affordable Ynab Vs to buy at this time. YNAB — which stands for "You Need a Budget" — has grown to become one of the most popular budgeting software packages available. Try YNAB free for 34 days. YNAB is more than just a slick personal finance software package. New ideas crop up and take place to make things work even better. I imagine it was likely in my search to find answers to these basic questions above. Posts Tagged: YNAB. It's been almost two years since You Need a. Once you’ve decided what you will spend your money on and how your budget will be structured, it’s time to create your plan. Must have a How To Handle Personal Loans In Ynab bank account. Our wizard will help you set them up the way you want. 99 a month, still billed annually so $83. It’s like a virtual envelope system. exe are the common file names to indicate this program's installer. Once you understand YNAB’s Four Rules, you’re ready to get started and set up your budget! We’ll put the first two rules into action and show you how to plan for all your expenses by adding. Today, I’m going to give you my tips and tricks to get your own YNAB budget started on the right foot so that you don’t make some of the mistakes. YNAB stands for "you need a budget". (I love my affordable phone plan. com and et voila, the idea of YNAB was planted in my mind by a Y&T. Try YNAB free for 34 days. 7 articles Budgeting. While one of the courses is an introduction to using the YNAB software, they go beyond that and create enormous value in my. YNAB will help you work toward living on last month’s income. You can be one of them! A Proven Method—YNAB's Four Rules Rule One: Give Every Dollar A Job | Be intentional about what you want your money to do before you spend it. YNAB‘'s zero-based budgeting is the only budgeting technique some people find effective. If you would like to track income sources, use different Payees (they'll even be listed separately on your Income v Expense Report!). Two of the budgeting tools that we recommend are Mint and YNAB (You Need a Budget). If you are mapping YNAB accounts to new Undebt. You don't even need to buy the software to attend YNAB's free online classes. The easiest way to listen to podcasts on your iPhone, iPad, Android, PC, smart speaker – and even in your car. Giving every dollar a job, and where to click to get it done. It's free to give it a shot (for 34 days) and YNAB claims the average user saves about $600 by month two and $6,000 per year using the tool - a handsome return on investment considering the monthly cost works out to be just $4. Use our forecasting calendar to see daily projected bank balances, and test budgets you set. 95 and comes with a free book and some Excel templates. You Need A Budget 4 (YNAB) All Discussions Screenshots Artwork Broadcasts Videos News Guides Reviews 0 in Group Chat | View Stats. I have an obscene amount of money in my accounts in YNAB. ” But the YNAB app costs nearly $84 a year. Total control of your money in four simple steps. I look forward to budgeting each month as I watch my money age. YNAB’s method gave me a reality check a few times. Using YNAB, hundreds of thousands of people have learned how to get control of their finances, stop stressing, and live the life they want to live. We don’t spend a ton of money on allowances, but I like to have it accounted for at the beginning of the month. Tiller will automatically add your latest financial transactions and balances to this fully customizable budget spreadsheet each day. It's because in order to be successful using YNAB you need to earn it through practice. I use it and agree - it can be strange getting used to at first. This policy applies to all information collected or submitted to YNAB Multi-Currency. Bakari YNABer since 2017. We will then automatically keep your YNAB account up to date with any transactions from your bank. Various use cases may include; email a summary of category balances, send a text message to manage spending, place a transaction and specify a payee, use devices to get notices for category balances, design creative alerts and more. It took me a while to wrap my head around the YNAB method, but now that I get it, I’m a true believer. If you want to use YNAB you have to understand the beliefs that it is built upon. ; YNAB costs $83. It has a way of making budgeting more fun. I frequently get asked if I can help with personal finance. We don't track time, but we get stuff done. YNAB's Four Rules and How They Apply to an Affiliate 1. Get on the path to financial freedom, start your journey with YNAB, and change your life today!. How do I use this? You should follow the below steps before using this tool! Locate your [BUDGET-NAME]~xxxxxx. Posts Tagged: YNAB. It's this: In your YNAB budget, you'll make spending decisions based on your categories. If you would like to track income sources, use different Payees (they'll even be listed separately on your Income v Expense Report!). Use YNAB's application to record your spending right there at the cash register. With YNAB it doesn’t matter what method you use, it’s all easy to see and understand and the app automatically keeps track of the money you spend on your card and keeps the money aside for you to pay when you pay your account. You Need A Budget (YNAB) 91,086 views. I'll personally hop on a video call with you and help you set up YNAB and answer all of your questions, just me and you. This is simply not true. First, YNAB has connected with thousands of banks, so it can automatically import your expenses directly into your budget, and will match up your spending with the appropriate category using historical data (aka, it knows Starbucks is for coffee, because last month you told YNAB that Starbucks expenses come out of your coffee budget). In my testing, I found YNAB to be harder to deal with up front, but it got better over time. Using your Credit Cards Spending with your credit card. It’s much, much more. You don't even need to buy the software to attend YNAB's free online classes. The company says it expects that couples will share passwords and create multiple budgets. I imagine it was likely in my search to find answers to these basic questions above. If you're looking for an effective budgeting system, then YNAB may be the app you've been looking for. I’m already using YNAB. It has kept me from having to dip into my emergency fund in order to pay for quarterly or annual expenses. Postfinance YNAB Export. Ditch the pen and paper and join the 21st century by using online tools. Two of the budgeting tools that we recommend are Mint and YNAB (You Need a Budget). I've been using YNAB4 for the last few years, and I like it so much that I haven't switched to the web version (new YNAB) yet. I noticed your categories didn’t have anything listed for self care (haircuts, toiletries), vacation, entertainment (concerts, events), or gifts. Use features like bookmarks, note taking and highlighting while reading Paycheck-to-paycheck budgeting with YNAB: The unofficial guide to reaching a. Quite well, actually! YNAB has two possible methods of dealing with cash and I’ll explain them both. Get on the path to financial freedom, start your journey with YNAB, and change your life today!. By Peter Anderson 9 Comments-The content of this website often contains affiliate links and I may be compensated if you buy through those links (at no cost to you!). YNAB Tutorial Part V: Ways I Use YNAB to Organize and Simplify August 1, 2017 I absolutely love how customizable YNAB is when it comes to setting up and rearranging accounts and categories. So in YNAB, you would use your income to fill your envelopes ASAP, the concept was never to have it just sitting. com is earning approximately $0 USD daily. For YNAB's team, it isn't about individual response times, but rather how the entire team is operating in unison. Using YNAB, I finally have control over our spending habits. The only thing I did differently was to ‘backtrack’ our expenses- I created the categories by looking at our bank statements from the prior three months. YNAB is more than just a slick personal finance software package. Using YNAB for Small Business Finances I've used YNAB for a while now, and as you can see from my blog, I like the program. I’m in YNAB for all our other money matters so it’s simple to record these transactions. If you are either checking out YNAB or have been using it, be sure to also check out their blog and their Facebook group (it is a closed group that you have to apply to be accepted but it is easy). This amount is probably pennies to some, and it’s beyond my…. It's so easy, you have to. Through all of this, I've learned a valuable life. I admit, YNAB definitely has a bit of a learning curve at first. Rules: Bugcrowd's standard disclosure terms always apply. Please use this thread every other week to discuss and receive critique on your YNAB categories! You can reply as a top-level comment with a screenshot or a bulleted list of your categories. I noticed your categories didn’t have anything listed for self care (haircuts, toiletries), vacation, entertainment (concerts, events), or gifts. We delete comments that violate our policy, which we encourage you to read. Back in the olden days when people got physical checks, you could cash that check and then put the cash into physical envelopes. Or there’s the things you know are “coming up” but never quite remember when, or how much they’ll be. YNAB 4 essentially 3 different screens that you’ll use. We thought EveryDollar was less confusing to navigate, and we loved that you could use the basic version for free. All the dollars in your budget need jobs—it doesn’t matter if that job is immediate, a few months from now, or years down the road. Why 34 days? After one month, you'll have just started to understand your budget and spending. You Need A Budget (YNAB) 91,086 views. In this article, we will discuss how you integrate your investment portfolio into YNAB or Financier, since both of them works rather similar. It doesn't need to. That made so much sense and that’s what’ve I’ve been doing for a couple years now. The current Undebt. You just don't know how to manage one when the monthly budget cycle doesn't line up exactly with your pay cycle. We also use a credit card for my husband's work. You Need a Budget (2. If you’ve never used YNAB (You Need a Budget), then you won’t know what I’m talking about in this post. YNAB works to educate its customers about finances, budgeting, clearing debt, and aging your money to always stay ahead. Is anyone using the software YNAB (You Need a Budget) to operate their rental business? We currently use Quickbooks, but it lacks the budgeting portion that I am finding more and more critical to mapping out our cashflow and expenditures. It won’t happen overnight, but if you follow our rules, soon enough you will get there: what you make in January, you won’t need to spend until February, allowing February’s income to serve as a buffer, creating reserves, until at least a month later when you need to spend it. It has changed my life in terms of controlling my finances. With fast transaction entry you can have entered the transaction. 30 day free trial. YNAB, on the other hand, is like a notebook and a pen. Amber shows how using YNAB can bring clarity and awareness to your finances. YNAB is solely a budgeting app, and it was built on a few seemingly simple rules:. It's a sizable percentage increase but not a really high dollar increase, just under $3 a month. I'm a long-time user of Mint, but now that I'm using the YNAB trial, I would prefer to switch to YNAB, if it weren't for a couple of deal-breakers. Let’s start with the Miller family, who took home $6,000 last month after accounting for taxes and pre-tax retirement contributions. I don't really understand what my "Age of Money"…. Later, when you open YNAB on your desktop, you move $30 from your Fun to your Restaurants category to balance to zero. Always willing to lend a hand, the YNAB Community is happy to answer any question that's on your mind! YNAB User Manual The YNAB User Manual will give you the nuts and bolts about using your YNAB. Special thanks to YNAB (You Need A Budget) for sponsoring this project and, really, providing the most important tool we use. YNAB is more than just a slick personal finance software package. I don't think I'm an idiot, but I had to attend a few of the online classes and start a fresh budget after an initial fail to really get it. You'll be able to sync all of your. Error: No posts found. They both interface well with bank accounts and credit cards. While other budgeting programs simply give you a tool to budget, YNAB is based on a philosophy and method that shows you - teaches you - how to actually stick to a budget. Now I have some savings in my RRSP and want to use it to to buy a home for myself alone using the first time HBP plan. YNAB isn't a current account, so you won't be spending money through it whether you are at home or abroad.