YNAB OCUKers & 2025 Budgeting!

Diddums said:
Each to their own, there are a million things I can do a lot better than you, and a million things you can do a lot better than me. I pay for the things I suck at, just like you do. Yes you could do the research yourself and faff about replacing an aux belt on your car, or you can pay someone to do it. This is no different. I choose to pay someone because I can't be arse learning all the other ways myself.

And you can accuse me of being anything in the world, but you can't accuse me of being vulnerable (anymore) :D
Click to expand...

I thought your heart was open :confused:
 
[FnG]magnolia said:
This is the worst thread of the year and it's not even mid January yet.
Click to expand...
I was about to agree and say it's because you haven't posted yet, but upon checking, bad news I'm afraid.

:edit: I half take it back, forgot just how bad the above is :p
 
Last edited:
Question.

When I load up the homepage, the balance at the top is wrong.

If I go to my accounts it's correct, but it's wrong at the top on the main page.

Any idea why?
 
Diddums said:
Question.

When I load up the homepage, the balance at the top is wrong.

If I go to my accounts it's correct, but it's wrong at the top on the main page.

Any idea why?
Click to expand...
Do you use credit cards? It automatically assigns money to the CC's in your budget every time a new transaction is added to make sure you always have enough to cover it each month / can't over-budget. It's caught me out a few time over the years.
 
Hellsmk2 said:
Do you use credit cards? It automatically assigns money to the CC's in your budget every time a new transaction is added to make sure you always have enough to cover it each month / can't over-budget. It's caught me out a few time over the years.
Click to expand...

Yes, but only my main bank account is connected ATM. I'm getting irritated with it already, I want to delete everything I've done so far, including any transactions, then for it to show my current bank account excluding overdraft and then I can start it properly.

Are your CCs linked?
 
Any one can budget, but budgeting alone doesn't save money...
I could budget 10k a month for coke and hookers and only get paid 2k a month.

The most simple little maths, no thinking way of budgeting and I've been doing this for decades now is to have two accounts.
one accout for all your bills, etc... and then have "pocket money" account for takeaways, going out, non essentials...

The next step would be to throw credit cards in the mix, have two... one to pay for everything that gives you cash back/rewards, you were going to spend the cash anyway so why not get something back in return. But this card must be paid off in full every month. The other card is interest free card for large purchases so you can spread the cost of stuff without adidtional costs. like car insurance that makes you pay that bit extra for monthing payments. Keep an eye on when the interest free period is over and just make sure you pay it off before moving to a new card. You don't want to stack debt.

If you hardcore about saving money, read.. You money or your life... It's dated now and a lot of the same principles are in financial help books and there are lots that could be used in it to help you change the way you think about cash and spending it.
 
Diddums said:
Yes, but only my main bank account is connected ATM. I'm getting irritated with it already, I want to delete everything I've done so far, including any transactions, then for it to show my current bank account excluding overdraft and then I can start it properly.

Are your CCs linked?
Click to expand...
I have them on my budget yes. I manually create the transactions for them every week though... more than anything so I know exactly what is on them. Linking them for auto-import is fine, but I find it means I'm not as forensic in checking spending.

Manual or linked though, the behavior of ynab is the same. The second a CC transaction is entered, it auto-assigns money from your budget and can get confusing. Ultimately, that is sensible as it means you always have funds assigned to cover any CC spend.
 
dlockers said:
Anyways in addition to in/out; my Excel also manages:
* When I purchased my suits and how many trouser
* When I purchased my shoes and when they were refurbished
* My estimated PAYE tax and payslip cross-checks (so I can determine my adjusted net)
* My gas/elec estimation and comparisons to prior years
* My salary growth (only since 2017)
* My insurances and when they are due
* My credit cards/ current accounts and when I signed up, and what offer I received
* My watches and their value
* My appliances and their serial numbers, purchase date, and warranty state
* My mileage calc for my lease car
* My order of operation for which cards to use (AMEX if accepted, BC if not) <this used to be more complicated when the Amazon card existed>
* When I moved into various houses/moved out again
* My holiday accumulation/consumption
* My IP address schema
* My childcare fee calculations

So stick that in your YNAB and smoke it.

Edit: your move @Mysterae_ :cry: :D
Click to expand...

When were you diagnosed?
 
Lol Sheldon Cooper's spreadsheets have entered the chat again.


EDIT:

Disclaimer:

This is meant as a humorous post and is made in jest to reflect this. No offence is intended and it purely by chance that I am posting in the same thread as Dlockers, as I have an interest in the topic discussed in this thread. Under no circumstances have I been "following dlockers around the forum" to make fun of him. No discrimination is intended as I will take the mickey out of anyone.

Should this post cause offence to Dlockers then please fill in the correct form and submit this to one of the moderation team.
 
Last edited:
Finally getting my head around this. I think it's a combination of the app only updating every now and then in the background, as well as my head being stuffed full of caffeine this morning.

Great fun so far. I think I've overcomplicated it something silly.
 
You must log in or register to reply here.
Back
Top Bottom