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A Very Specific Situation
  • Hey I’m so sorry I’ve been a bit negligent of attending to the community needs as I’ve had a family situation to attend to.

    What I will make clear is that you should only budget money you have IN HAND, and never budget money you’re owed and do not have. If you want to use YNAB to track the debt, I personally have a tracking account for money owed to me and make transfers into the category I paid it out of when the money is paid back. I utilize the memos here extensively to explain why the debt was incurred and so on and so forth.

    The problem with keeping it in budget is that you shouldn’t have anything in your budget with a negative balance. Otherwise you can’t trust your budget. YNAB will yell at you if you do this. The money needs to be squared away somehow which is why I’m suggesting you use a tracking account.

    Of course you don’t need YNAB and can just track it externally and then treat the debt payments received as income into your accounts on budget.

    All of this being said, please don’t take on such a massive debt for a friend in the future. It’s a huge liability and can ruin friendships. I can see you’ve handled it appropriately but I can only hope it didn’t get messier than what you’ve already described.

  • What are you playing this weekend? 2023-08-05
  • Currently playing 2 games right now. Absolutely loving them both.

    • The Legend of Zelda: Tears of the Kingdom Easily one of the best games I’ve ever played. I’ve avoided finishing the story to draw out the thematic end to the game (I know you can keep playing afterwards but I want the story ending to be my ending, it’s like saving your last bite of food to be something particular). Currently exploring, I absolutely love exploring in this game. I can’t get enough, even after hundreds of hours in BotW, I’m never gonna be sick of exploring this hyrule map. There are STILL surprises everywhere that makes it feel so very new.

    • Bayonetta 3 This shit goes so hard. I mean what the fuck. I never played 1 and 2 but the amount of creative freedom in each fight, combined with the challenge, the style oozing out of the seams of the game. The core gameplay is so tight and excellent BUT THEN YOU GOT FUCKIN KAIJU BATTLES OVER TOKYO AND THEN SUDDENTLY ITS A 2D STEALTH GAME, AND THEN IT’S A CEL SHADED PUZZLE GAME. AND THEN YOU’RE A FUCKING CHOO CHOO TRAIN. I can’t get enough.

  • What are you playing this weekend? 2023-07-29
  • I know I’m late to the party but I actually beat New Super Mario Bros U Deluxe this weekend! I actually also found certain parts to be challenging but every time I tried to google for guides I found community after community talking about how absurdly easy it was. It was kind of surreal so I just wanted to validate your feelings about the challenge.

    That being said, when I went back to replay older levels…..it was way way way WAY easier and I found that I have progressed over the course of the game to have become pretty competent. The game’s difficulty curve trains you pretty well.

  • Has anyone here completed the "More Money" 30-day challenge?
  • I definitely have seen this trend around tiktok, reddit and YouTube. I haven’t tried it but I feel like if I tried it I would just postpone my nonessential expenses and then go back to my normal mode of operating.

  • Apple Card holders! How do you manage synchronizing?
  • Yep same here. I probably should export but don’t. I just wish that someone had some magical way to convert the Apple Card Mint integration into YNAB. But that’s too many hoops and too many APIs to go through.

  • Biden advisor defends stimulus and inflation surge: 'The real cause was the global pandemic'
  • You can literally graph the total supply of money and see how much money was added into the economy in a short period of time.

    https://fred.stlouisfed.org/series/M2SL

    It was the correct decision to avoid immediate economic catastrophe and I very much support it but it doesn’t mean you can just deny the consequences of that decision. Don’t be a moron.

  • [Community Question] How often do you reconcile your transactions?

    Sorry for the delay! I meant to post yesterday.

    Today’s Question: How often do you reconcile your transactions? Bonus question: Do you primarily rely on sync or do you manually input your transactions?

    1
    [Meta] What would you like to see in this community?

    Hello everyone, I'm so happy to see this community grow. I'd like to always make sure there is some thread where community input can be gathered so that we can allow our little corner of Lemmy to flourish.

    What would you guys like to see in the subreddit community What are your hopes and expectations for a YNAB community?

    Some ideas I'd be personally interested in exploring:

    • General personal finance overall (with relation to YNAB)
    • Money diary posts (I always loved the money diary community on reddit and wished there was a YNAB version of it)
    • Weekly community questions
    • Onboarding guide
    • Reaching out to the YNAB team to setup an AMA (moonshot idea)

    It would also be nice to setup some community 'goals' or 'mission' just so that we can show our community's direct intent.

    Some Ideas for Community Missions/Goals:

    • Advocation for healthy relationship to personal finance
    • Increase and promote community knowledge of the YNAB tool
    • Camaraderie in helping our fellow budgers roll with the punches

    I'm looking forward to hearing everyone's feedback!

    EDIT: Changed subreddit to community

    2
    [Community Question] How long have you been using YNAB for?

    Round 2: How long have you been using YNAB for?

    Bonus questions: was it your first budgeting app?

    Do you also use a spreadsheet?

    0
    Apple Card holders! How do you manage synchronizing?

    I’ve been finding it so incredibly annoying to sync my transactions when life gets busy. Especially reoccurring transactions with variable balances. How do you guys manage? Do you use the export/import tool ever?

    8
    [Community Question] What has been your most unexpectedly helpful category?

    I figure I’ll do something like this every so often.

    What has been a category you created that really became useful to you or provided unexpected value?

    1
    Monthly Budget Categories Thread

    [Meta] Share Your Categories! Fortnightly thread for this week!

    Monthly Categories Thread!

    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. If you choose a bulleted list, you can use nesting as follows (where  ↵  is Enter, and  ░  is a space):

    • Parent 1↵ ░░░░* Child 1.1↵ ░░░░* Child 1.2↵
    • Parent 2↵ ░░░░* Child 2.1↵ ░░░░* Child 2.2↵

    UPDATE: Per the meta community discussion someone recommended this thread be monthly instead of every two weeks. I’ve edited the title and will pin this post.

    0
    Budget Nerds: How To Use Memos in YNAB
    1
    It’s not much but it’s a start

    I’ve been using YNAB for a while and already miss the reddit community. I’m hoping to at least build a small community here of people answering questions, sharing categories, and communicating news. I’ll do my best and keep this community running!

    1
    InitialsDiceBearhttps://github.com/dicebear/dicebearhttps://creativecommons.org/publicdomain/zero/1.0/„Initials” (https://github.com/dicebear/dicebear) by „DiceBear”, licensed under „CC0 1.0” (https://creativecommons.org/publicdomain/zero/1.0/)IA
    iamlyth @lemmy.world
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