share. Sync YNAB from your Australian Bank accounts automatically. If you would like to track income sources, use different Payees (they'll even be listed separately on your Income v Expense Report! YNAB does NOT allow you to budget money that you don’t have, and is a “Zero-Based” budgeting system that is built to assign every dollar to a category. This is the heart and soul of YNAB. First, I wanted to just have a refresh and streamline a bit and second I wanted to make it a little more fun for myself. Even if I put my income as recurring, it is not considered when I move month forward. But it seems I have no way to plan ahead, only now. Post Your YNAB Categories. If you would like to track income sources, use different Payees (they'll even be listed separately on your Income v Expense Report!). This remains one of my biggest concerns with web-based YNAB: I can export my data, but I cannot accurately import the data that I exported. save hide report. I'm always looking for a better setup since I love organizing this stuff. Keep your YNAB (You Need A Budget) account up to date and stop overspending your categories. All income in YNAB is categorized as Inflow: To be Budgeted. Here's my current setup: Picture. No. 94% Upvoted. But your situation may be more complex, and we're here to help you handle it in YNAB. When I overspent on groceries for the month, I had to move money from another one of my budget categories to make up for it — which is the third rule. I have my categories with goals, and I can't miss if I go over budget. It is a VERY well organize budgeting system, that works the way your money works in REAL LIFE. While I struggled with overspending on my categories at first (especially on eating out), I made some lifestyle changes that made meeting my goals easier, and eventually relaxed my budget in some areas (such as coffee). I decided that my budget needed a bit of a refresh for a couple reasons. Around 150 Aussie banks supported. This thread is archived. So I'm just curious how other people structure their Categories/Master Categories. Now I get it; YNAB rules tell me to only work with the money I have.... but it seems that planning far ahead to see if we are in a positive trend or not is difficult. YNAB was definitely an eye opener, and I immediately started a plan to pay off my debt. Budget. Despite several unexpected expenses during both months of my experiment, I managed to save an extra $600 using YNAB’s method. 44 comments. ). For example, let’s say you have a joint checking account with someone, and you both own the $1000 in that account.
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