The emergency fund really is only for things that feel like a one-off (or that I hadn’t realized I would need to budget for), and for which the least harmful thing financially to do would be to pay cash and just deal with it. Over time I keep hoping and adjusting my understanding of my true expenses, so I have categories for major car repairs, medical issues, etc. The other thing that helps me is having a fairly specific idea about what I would use an emergency fund for. Or harder to make the excuse to myself, I guess? It’s way easier to justify when it’s just coming out of this vague pot of money for.things. Budgeting a month or two out helps with that problem it’s harder for me (psychologically) to “steal” money from my future self when it has already been allocated.

One thing that really resonated for me was the idea that I had previously been “stockpiling cash” I had some money in savings because I knew that saving was a good thing, but not much because it was easy to borrow out of when I hadn’t given it a specific job. If you see posts or comments that do not belong, please report them and message the mods.Search the subreddit first to see if someone has already asked your question before posting.Off topic comments, attacks or insults will not be tolerated. Follow reddiquette and keep discussions civil, informative and polite.You can also find the tutorials and help topics for YNAB 4, as well as download their previous apps on their Classic website.Īlso check out our wiki! Subreddit Guidelines

Please wander over to some of the following links at YNAB's website: YNAB has a lot of really great support resources that you should probably check out. There is a YouTube playlist by YNAB which acts as a primer for nYNAB as well. Feel free to post your questions, budget strategies & advice.įor veteran users, learn more about the changes to the new rules in the Transition Guide. We welcome any posts here regarding YNAB. This subreddit is dedicated to discussion on the popular budget software You Need A Budget. NYNAB was last updated 10 November 2021 Welcome to /r/YNAB

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Ynab budgeting ahead