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Budget

Budget Categories

Handling Budget Categories Video How do I create my own categories? You can use YNAB's default set of categories, create new ones, move categories around, and edit existing category names. Creating a new Master Category Click on the + sign at the top of the Budget above the list of
Last Updated: January 31, 2014

Using the Budget

How does the Budget work? Instead of looking back and recording what you’ve already done with your money (too late), YNAB helps you decide proactively how to use your money. Then, you’ll use your budget to guide your spending decisions.  At the top of the Budget is the Header:
Last Updated: August 15, 2014

Handling Multiple Budgets

You can have as many different (and separate) budgets in YNAB as you'd like. On the Desktop (Start here) To make a new budget → File>Create a New Budget To open another budget → File>Open It works much like documents in a word processor. You can open one, work on it some, go
Last Updated: December 8, 2014

Quick Budget

Quick Budget provides you with a number of options to make your monthly budgeting easier, while leaving you in control.  You can activate it by clicking on the lightning bolt in the header at the top of the month. This menu will appear: Quick Budget only fills all empty budgeted
Last Updated: September 25, 2012

Mid or Late Monthly Pay budgeting

If you only get paid once per month at or near the end of the month then you can approach your Budget in one of three different ways. The method you choose should be the one that works best for you but regardless of which path you take you won't be locked into doing the same forever - you
Last Updated: September 24, 2012

Moving Money Between Categories

How do I move money between categories? If you’re following Rule Three, there will be times when you need to adjust your budget and move money between categories. You may need to deal with overspending or you may just change your mind about how much is assigned to a certain
Last Updated: July 2, 2013

Rainy Day Fund Category List

Here’s a fairly comprehensive list of categories that you may need in your budget. Keep in mind, just because this list is long, it doesn’t mean yours needs to be!  We just offer this list to help you remember categories you may forget. Predictable Rainy Days Car Insurance
Last Updated: April 10, 2014

Variable Income

You may be in a situation where your income fluctuates considerably.  Perhaps there’s a big check one month, but then no income for a few months after that.  You need to stretch that check until more income arrives.  Some people receive money in lump sums like: Fixed annual
Last Updated: June 3, 2014

Auto Save

YNAB saves your budget automatically at regular intervals and when you quit.  There's no need to worry about losing your work. How often does YNAB save my budget? YNAB saves your budget every 5 seconds.  After that it saves versions that you can easily go back to every 10
Last Updated: March 4, 2013

Loans to friends and family

If you find yourself in a situation where you loan money to friends or relatives, here’s the best way to handle that in YNAB. Step 1:  Create a new category called “Loan to friend” (or whatever makes sense to you.)  In the category title, enter the amount of the loan.
Last Updated: February 12, 2013

Allocate Income

Allocating Income is deciding ahead of time exactly how every dollar of your income will be used when the money arrives.  You may be familiar with this either from past experience with other software, or from a methodology that encourages it.  When using this direct to categories
Last Updated: January 17, 2013

Zeroing out the budget

There may be times you need to start your month over without going so far as erasing transactions in the register and previous months budgeted numbers via a full Fresh Start. This can prove useful in a number of different situations or budget approaches. You don't have a full buffer in
Last Updated: January 12, 2013

Shared Expenses

You may be in a situation where you are sharing expenses with someone. (roommate, spouse)  One person maintains the budget, and the other person contributes to the shared expenses. The simplest way to do this is to record the payment from the roommate as income and then budget it to
Last Updated: February 14, 2013

Creative Category Organization video

In this video we'll demonstrate some unique and creative ways you can organize your budget.
Last Updated: June 6, 2012

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