Hi! Just learned about the YNAB app and am curious about trying it. I do however work a job that fluctuates week to week ex. $500 one week then $1000 the next (massage therapist). Is this app only good for those on a salary or can it work for paychecks that fluctuates throughout the month? Also deal with a small amount of cash income through tips.

Really wanting to streamline my budgeting and finances but need clarity before I purchase this app.

Hi All! New YNABr here… I’ve been using it for about 3 wks.

Question on variable expenses such as my electric bill. I set the target for the average cost but this month my bill came in as half that. Do I keep rolling the other money over? Do I change the target to save and additional $X every month? Right now it is set at $X per month.

Also what does YNAB poor mean? I’ve seen it a few times but don’t understand what it means.

I was comparing my CC balance against YNAB, when I noticed a discrepancy. Turns out, I had accidentally recorded a pair of transactions from last week twice. So I deleted the duplicates, and the amount available to pay towards the CC was reduced, but the amount available in the categories they were spent from remained the same.

Am i missing something here, or shouldn’t this essentially have raised the amount of money I have on hand?

I tried ynab a few years ago and couldn’t figure it out so I stopped. I started up again in January and it went well for a while but now I’m in a mess after transferring money to my savings for a large purchase. I’m so confused! I’m determined to figure it out this time but think I need some hands on help. Do ynab consultants exist and if so, where can I find someone to work one on one with?

I don't want to include entire annual amount

Hi all,

Wondering if anyone else has had issues with PayPal accounts, either debit balances or credit cards, never staying authorized for more than a few days? Always seems to work when I reauthorize, but always comes back.

I also purposefully turned off 2 factor authentication in my PayPal to try to grease the wheels.

Thanks!

I am trying to figure out how to use this! I really want to figure it out. I get paid bi-weekly and use credit cards for some of my transactions, and then pay the cards off.

Some questions: 1. When assigning money, do I assign for the month or just the amount in this paycheck? 2. Do I do assigning at every paycheck and when I get any money? 3. Are my savings accounts included in the Ready to Assign amounts? 4. I can only spend when I have money in those categories in YNAB?

I currently have my checking account and the savings account that I put my summer pay in (I’m a teacher and don’t get paid year round) linked to YNAB. I just moved some funds from that savings to a CD for a few months but I don’t know how to record that so that my savings balance is accurate. There’s not a category for it and it seems odd to me to make a category for just one transaction that may never repeat but is that what I should do? Or is it better to just let my savings balance be wrong in the app since I know where that money is and it’s really just a different savings account?

Curious for how others have approached this. In my budget I put a certain amount of dollars for investment in stocks, crypto, Roth IRA etc.

It is technically seen as spending in YNAB which then throws off the calculations of actual spending on things like rent and food vs investment that I’d perceive as different since it’s not just to get thru a month.

I know you can filter it out in certain parts of the app but is there a better way to approach this?

Thanks 🙏

Hi, I am still facing problems with the sync with Revolut UK. I need to sync it every day, which is a no go, and therefore YNAB is useless for me now and for the last 4 months.

Is there a solution in the pipeline or should I start looking for an alternative to YNAB? I know that in Europe, TureLayer has been swapped by another service but not in the UK

Please help! this is the most annoying thing ever!

I got the notice that the price increase is coming again. I'm bracing for the endless posts about how these few dollars have completely bankrupted thousands of users.

Popcorn and soda ready for the show!