Spyke

Bueno, he probado este mes (a falta de cuenta oficial por estos lares) y sinceramente le he encontrado la vuelta, pero siento que no es para m铆. No me termina de gustar como casi todas las apps

Bueno, he probado este mes @ynab (a falta de cuenta oficial por estos lares) y sinceramente le he encontrado la vuelta, pero siento que no es para m铆. No me termina de gustar como casi todas las apps de finanzas manejan los gastos con tarjeta de cr茅dito, son pocos pero no logran plasmar temas como los pagos diferidos. Y ah铆 me pierden

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ynabYNABbymadasi

YNAB price increase

Just received an email that the cost of YNAB is increasing (again) to $109/yr effective August 1 for new sign-ups and September 1st for renewals.

Definitely has me checking alternative options again as I don't feel like there have been enough improvements since the last price increase to justify another one already.

View original on lemmy.dbzer0.com
ynabYNABbyroot

YNAB vs Quicken Simplifi

I wanted to start using a budgeting program to better organize my spending/ goals, and basically narrowed it down to 3 --YNAB, Actual and Quicken Simplifi.

I setup a self-hosted instance of Actual and was able to import my spending from my account by exporting from my bank and importing into the app, however this seemed like it might get tedious over time, so I decided to try YNAB.

So far this has been pretty straight forward. I'm still waiting for things to sync up with my linked accounts, but I like it so far. I would try Simplifi but there's no trial period there; though the graphs and UI make it seem appealing.

Anyone here have any experience with Simplifi/ YNAB, and why might you chose one over the other?

View original on lemmy.world

I can't help but feel like I'm doing the exact same busy work in YNAB all the time. Matching up my scheduled transactions to imported ones, like for water/electric/paycheck (things that vary). I wish

I can't help but feel like I'm doing the exact same busy work in YNAB all the time. Matching up my scheduled transactions to imported ones, like for water/electric/paycheck (things that vary). I wish YNAB would just see it's the same Payee (those match) and within a few days and auto-match them. I'll even set min/max ranges or something. It's just such busy work and it could be automated.

cc: @ynab #ynab

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Why does making a Credit Card payment result in funds in "Ready to Assign"?

I've watched the Nick True video that came highly recommended in a bunch of Reddit results (e.g. here), but I still don't understand what's going on.

  1. Have all funds assigned, so that "Ready To Assign" is at zero.
  2. Approve a(n automatically imported) transfer from my checking account to my credit card account (see screenshot). Note that it is registered as an inter-account Payment and not as a regular expense.
  3. Budget view shows an equivalent amount of money "Ready To Assign".
View original on lemmy.world
ynabYNABbydeeroh

Intuit Is Closing Personal-Finance App Mint, Shifts Users to Credit Karma

End of an era. I'm sure many people here started their personal finance tracking with Mint. I certainly did, and I was using it all the way up until switching to YNAB early this year.

The CEO of a competitor, Monarch Money, posted a great article about the shutdown (different from the OP link). The article ends in a plug for Monarch, but he makes a great point about subscription-based services. I'll copy-paste a snippet here.

[...] After 25 years in the technology industry, I鈥檝e seen firsthand how a company eventually becomes its business model. Google is no longer a search company, but an advertising company. Facebook is no longer a social network, but an advertising company. Similarly, Mint and Credit Karma are no longer personal finance companies, but advertising companies.

If you鈥檙e an existing Mint user and wondering how you should best manage your finances going forward, I would strongly encourage you to consider a subscription-based personal finance app instead of a free one.

A subscription-based app:

  • Aligns company interests with your interests. It鈥檚 hard to overstate the importance of this. When you are paying for the service, you are the customer. You call the shots, and the company builds what you want and need. If it doesn鈥檛, you cancel your subscription. This aligns incentives and ultimately leads to a much better user experience. The opposite is true in a free service, where ultimately the advertiser is the customer as they are the ones paying the bills. [...]

(As well as a few other bullets that follow). Worth the read too.

https://news.ycombinator.com/item?id=38105299Open linkView original on lemmy.sdf.org
ynabYNABbyfer0n

YNAB iOS Shortcut: add transactions, file import, transaction automation & Splitwise integration

This shortcut lets you:

  • Add transactions (works with Siri)
  • Import bank files (csv/qif)
  • Automatically create a transaction if you pay with your phone on iOS 17鈥榮 (transaction automation)
  • Add transactions automatically to Splitwise

Download Shortcut

Each of these is optional ofc.

Setup

  • Download Pythonista and open it once (sadly not free)
  • Generate an access token for your account here: YNAB dev settings, copy it and paste it during the setup
  • Run the shortcut and follow the instructions

I鈥檓 happy to help if you run into any issues :)

https://routinehub.co/shortcut/6322Open linkView original on lemm.ee
ynabYNABbycoys25

Another newbie question: handling reimbursements

Hi all, Another newbie question here. I manage our family's cellphone plan, which is $199.90/month for 5 lines (two in our household, 3 from other family members). The other family members reimburse me using Venmo each month.

So, I set up a category with the target amount of $199.90, due on the date that our cell phone bill is due, as per YNAB's recommendations. At the beginning of the month, I assigned $199.90 to that category. Then, when our family members' venmo payments came in, I categorized those as inflows to the cell phone account. Now, waiting for the bill, I see:

  • $199.90 in "assigned"
  • +$120 in "activity"
  • $319.90 in "available"

All of this makes sense to me. But, it seems like now I should be able to re-assign $120 to another category. If I try that, though, it suddenly shows the category as underfunded, despite the fact that I still have $199.90 available.

Am I misunderstanding how assigned / activity / available work? Why, after $120 of inflow, is YNAB still requiring me to keep $199.90 assigned?

View original on lemmy.world
ynabYNABbycoys25

(New to YNAB) - what does your day to day workflow look like?

Hi all - new to YNAB - our family just got things set up. I think that we have a good grasp of the basic mechanics (we both work in jobs that interact with budgets, and just haven't applied this to our own finances rigorously before!)

But I'm wondering how you integrate YNAB into your life - what does your workflow look like? In other words: what do you do each day? With each paycheck? At the beginning of the month? How often do you sit down and review the big picture and set new goals, etc?

It would be great to hear about your rhythm and cadence for making this part of your routine, for those of us who are figuring it out for the first time!

View original on lemmy.world
ynabYNABbyfer0n

App to split bills for e.g. different categories (or people)

This has been a little side project for me and I thought some of you fellow YNABers might appreciate it: SplitBill for iOS.

It鈥檚 a really simple app that lets you snap a picture of a receipt and then split the transactions into different cards. Could be categories (if you want to split the transaction into different categories in YNAB) or people.

I hope someone here finds it useful :)

View original on lemm.ee
ynabYNABbyEnterOne

A Very Specific Situation

I'm hoping some budgeting expert out there can tell me the best way to record some relatively unusual events in YNAB. I don't know how to simplify this without risking misunderstanding, so here's the situation. Let me break it down:

BEFORE THE LEASE:

I had made purchases on behalf of a friend over several years, and just gave her her own budget category to look back at what she owed me and what she repaid. I could use Reports to add the transactions up and see a total.

Then, I took on responsibility for a substantial car loan on her behalf by signing for it, under the agreement that she'd be making the payments. I say substantial because it also contained the negative value of a car she still owed money on. It was underwater from the start by design. I used the nifty Loans feature to keep track of what I owed the lienholder, although I had no expectation of having to make any payments myself; this loan was for my friend to repay.

When it became clear to me that my friend wasn't going to be making any payments on this loan, I felt pressure to get out from under it. I traded in assets, both the car the loan was for, and my own car, which I owned outright (and loved), to approach a zero-value starting point to lease a car for myself. It was the only solution I could come up with.

AFTER THE LEASE:

The operation was a success, and I am now making payments on a leased car for myself. Now my carless friend owes me鈥攏ot the bank鈥攖he difference between the value of the loan and the value of the car it was for. That's on top of her existing debt, which is preserved in the budget category I made for her.

I don't know how to document this situation in YNAB, though. What do I do with the loan section? Is a lease a loan for budgeting purposes? Do I create an asset tracking account or keep using my friend's budget category to keep track of this now-massive debt? Any thoughtful suggestions on handling this would be super helpful.

View original on lemmy.world