I’m sure this is certainly meant for ABK games.

You just earned yourself a spot on my homescreen!

Honestly I try to categorize on the spot but reconcile at minimum once a week but often more if I have a moment to catch up

I’ve just been using the overfunded view which has been nice but I need to flex the muscles of this new feature more.

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.

If you’re taking feature requests. It would be nice to be able to export the Reciept as an image so I can keep it in my Dropbox

Duuuude this is awesome. I’ve had a google sheet to do this but now I think I gotta use this!

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.

….wait is it really that easy? Can I do it on mobile too?

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.

I mean it’s always good to have everything on the budget just so you don’t have “secret” money you’re dealing with. But yeah no lie it really is a pain sometimes.

I love the monthly note! I use it to provide context to why something might be “unusual” even though every month is “unusual” in a unique way. Like a renovation, or a major true expense had to be paid out.

In short they’re basically an insight to someone’s life financial, their income, their expenses, what they choose to stretch on or save for. They help reflect on your own finances and give some perspective. Refinery 29 always had some good one but they show up in more publications now as they become more popular.

https://www.refinery29.com/en-us/money-diary

Edit: also welcome to the community!

I will make an attempt to reach out to him right now!

UPDATE: I have reached out and will update when a response is provided by the YNAB team!

Do you ever do recurring YNAB charges for automatic charges?

Yeah I have a variable rate HELOC that I reconcile when I get my statement, so once a month. I’m impressed that you do a daily reconcile!

I reconcile roughly 3 times a week. Since I have an Apple Card (and a couple AmEx cards which never sync) I’m forced to do manual input so I reconcile frequently to make sure I don’t have to scroll back far to find errors.

I didn’t reply to your money diary question.

This is the subreddit I had in mind when I was coming up with the idea: https://www.reddit.com/r/MoneyDiariesACTIVE/ Most posts in that sub are from throwaway accounts for obvious reasons.

Refinery 29 is also known for their money diaries https://www.refinery29.com/en-us/money-diary

Great idea! How often would you recommend?

Whoops. Thanks for pointing that out. I clearly have some adjustments to make.

I’ll try to put together an onboarding guide this week. I hope a wiki system gets integrated into lemmy eventually.