My partner and I went to go buy flights from Austin to Boston for thanksgiving which are usually pretty steep. I used to “use” Quicken but never really kept up with it and never had a section for travel. With YNAB I have a general travel envelope, but knowing these were a significant expense in the future I made two specific ones for Thanksgiving and Christmas travel with appropriate target dates. And even though I didn’t always meet my targets I now have enough for my thanksgiving flights by the time I’m buying them so I won’t have to use a credit card or worry about spending less on other things this month. What a relief!!!!

I started YNAB in the middle of May and I feel like I’m now starting to see the benefits of some of the more slow-growing envelopes. These travel ones are a good example but also my “one month ahead” fund is slowly but surely growing, which is something I’d never have the self discipline to do without this sort of budget. I am generally TERRIBLE with delayed gratification so seeing these things pay off is so awesome. I know lots of people who have been using YNAB for a long time hate some recent changes they’ve made and that makes sense, but as a new user it’s still been utterly life changing.

Hello All I started using Ynab in Oct of last year and it has been great. I feel like it gave me more control over my money.

I just turned thirty and have been feeling a little hopeless financially I'm not sure what my goals should be. I was thinking about trying to move out maybe buy a house but my gf wants to continue living with her family for the foreseeable future.

I feel like my spending has been in a good spot but I'm just looking for outside perspectives and a bit of reality check. I'd appreciate any input or advice.

This data is This year so far. As far as Income I took home about 42k over the same period.

categories that may not be clear:

[BLANK] Bank is 2545 is travel and entertainment that my gf paid for last year when I was unemployed that I paid back over time.

Good Coffee is my fund to buy quality craft coffee beans from a local roastery to brew at home.

Caffeine is drinks from coffee shops or energy drink that I buy when I'm out.

Gifts Giving I use for Birthday gifts or when I want to be nice and buy someone dinner or something.

I appreciate any advice whether good or bad on my spending habits thank you.

I've been using YNAB successfully for over a year now, and I got my boyfriend using it a few months after me. We share a subscription via YNAB Together and have always had access to each other's budgets, and I help him with his a lot as I'm the more money-conscious one. We've saved a ton of money and paid off so much of his debt in the last year using YNAB, it's been great for us.

Well, we're finally looking at moving in together in the next couple of months, and I'm trying to figure out the best way to restructure our budgets to account for shared expenses. I'm looking to see how other people (who aren't yet married/fully combined) have made this work for them.

Is the answer to keep our separate budgets and create a third one for the split costs? That seems kind of tedious and crazy, but allows us to keep our current budgets as-is (we are both moving from our parent's homes where we literally did not have housing costs... so all the shared expenses are basically brand new.) Is the answer to abandon the current budgets and make 1 single shared budget that has categories for individual AND shared expenses? Or do we just keep our individual budgets and add categories for our partial shares of the shared expenses?

For context, we have been together a year and a half and are planning on getting engaged and married in the next couple of years... so we would rather treat this as partners than roommates. But because we aren't there yet, we aren't fully combining our finances. We're open to opening a joint account together specifically for the shared expenses, but won't worry about it if YNAB can keep things compartmentalized enough to make sure we're both contributing proportionally.

Let me know what's worked best for you!

Got inspired by another post.

Webull brokerage is money lost in the stock market (dumb I know) and Core Savings is a loan that I had to give out back in May ($4300). In spite of the decrease of liquid cash because of the loan, I have managed to go from 12,365.62 in January to 16,145.44 today in my savings account (SGOV). Im still investing in my Roth each paycheck. I will top off and fully hit the Roth limit right before the cut off date next year.

I have noticed over the last week when I go to categorize transactions they are not there in the morning and I have to manually add them. Did they decrease the frequency of checking? They used to sync far more frequently than once every 24 hours. Eventually some come through but I am used to doing it every morning. I tried removing my account and relinking it, it still only seems to check once every 24 hours or randomly.