If you flip forward in YNAB, the future month TBB is now -$200, and the way to fix it is to go into the categories you already budgeted and reduce them by $200. It only causes weirdness if you release money and go backward. This method prevents me from stealing from future dollars, but messes up my reports. YNAB saves us far more money than it costs us. I set the previous month's balance as the starting amount. YNAB staff are insisting they listen to feedback. Our CPO, Todd, recently did an AMA on Reddit that touched on this. As long as we're discussing SFTF, it may be interesting to know that YNAB was provided a prototype of the computations that would to make TBB act "correct" years ago. I've done some searching around and this seems to be called "stealing from the future". You can learn the basics of how the program works and my initial thoughts in my first post here: YNAB … View common questions about the software and method—or post your own! it’s really similar to how YNAB 4 had a “budget [next month]” category. Rule 2 of YNAB, Embrace Your True Expenses, teaches you to think about and plan for those non-monthly expenses throughout the year. It came from the $1000 you already budgeted in next month. About 6 months ago, the You Need A Budget (YNAB) team reached out to me to review their budgeting software. Again, you only see the error message when you move into the next months view. MomonWheels I just learned this recently and I've been using YNAB since last August. YNAB 4 was a part of how we handled money in our family and we weren’t ready to part ways when the new online YNAB came along. You won't be able to view your net worth, track your investments, or get investment advice.What this app does is help you think ahead. Sign up for a free 34-day trial of YNAB at https://www.ynab… If you don’t want to connect directly to your bank, you can set up an unlinked account. I have a question. Others have said that the warning is there for legal reasons but hey, you have been warned. Striped Budget Rows. Related to personal finance, budgeting, money and financial matters. Stealing From Future Alert. Unfortunately, many new users over the years have touched the hot stove, and they will continue to do so. That would solve your cash flow issues BUT it requires saving up enough to live on the previous month’s income! Overview. The reasoning behind my privacy comment is that I have to trust YNAB will respect my privacy (I pay them for that expectation and they stake their reputation on it). I see why everyone hates on credit cards in New YNAB. Feel free to post any news, questions, budget strategies, tips & tricks and advice related to YNAB. Striped Budget Rows. But I don't have that relationship with the extension developers. Many YNABers prefer to set up unlinked accounts and enter their transactions themselves or import a file from their bank. This way, when the insurance bill comes due three months from now, you’ll have the money to pay for it. However, it is NOT true that YNAB makes it hard to set goals or “save for future things”. So if you add income and some or all of it is missing from this month’s To be Budgeted , look for these overbudgeting scenarios in the present and future months to figure out where that money has … The following fixes and enhancements were made to the feature: Warning will appear when any month in the future … It means that every time I use YNAB I have to click forward into next month just to check it's still green. Hot Pink Cup I guess I still don't understand. Goodbye stealing souls, hello stealing booty. Rule 2 of YNAB, Embrace Your True Expenses , teaches you to think about and plan for those non-monthly expenses throughout the year. Still two steps, just reversing the order. ♂️. Why is the transaction being categorized to To be Budgeted, instead of a category? Suddenly, credit cards are easy. Some people will leave a few cents in TBB because then if it drops to zero you know you stole from the future, or I think the toolkit has a flag (I don’t use the toolkit, so don’t hold me to that) for SFTF as well. While not specifically a SFTF fix, we have a few changes in the pipeline that I personally feel will help make it less likely. YNAB focuses on creating and following budgets to help you keep on track when it comes to saving money, but it lacks some of the advanced features like investment tracking that we've come to expect from the best personal finance software, Despite that, YNAB is a great choice if you're looking for a simple budget tracker. Highlights "Budget Next Month" red when you've gone negative as some point in the future. You might make a feature request for a summary of current-month cash and credit overspending. This differentiates YNAB from Mint which focuses on traditional cash-flow budgeting and planning. There are a few ways that one can unwittingly steal from the future, but that’s one of them. If you have gotten this far, you know you need a budget. It means that every time I use YNAB I have to click forward into next month just to check it's still green. The solution has been a tricky one, but we're not giving up! But if I need to move £5 from 10 other categories to cover a £50 impulse buy I'd rather deal with that on the main budget screen when I can see the bigger picture. I see the toolkit is open source so I'll give it a look. Or think of it like this: skip one night of eating out this month, and you’ve paid for YNAB for a year (and cut out 1,000 calories! While these are steps to be taken in the web app, please note that these numbers are still at play in the mobile app as well. while not as native as YNAB 4, it’s the same concept. It’s certainly better than the problem. If you link credit card accounts, YNAB can track your credit spending separately from your bank account transactions. It’s simple to use and easy to understand. YNAB doesn’t make money from advertisements offering credit card deals or whatever other nonsense. However, that is indeed up to each individual customer (especially non-U.S.) to decide and that is ultimately on them. Cash/red overspending is a concern with ANY approach (even the INM category), but that's not SFTF and presumably you can find/correct that. Assuming you are not using the free version of BudgetSimple (which is really more comparable to YNAB), the prices are a little tricky to compare. Thanks. Inspirational. Due to Con #1, YNAB doesn’t do a good job of showing your overall financial health. Briefly, this happens when you budget in the future and change your budget for the current month without seeing a change to your current month’s To be Budgeted. Most of the YNAB customer base is satisfied with the outcome of their purchase because YNAB is budgeting software, nothing more but nothing less than excellent in its field. A discussion subreddit for popular budgeting software You Need A Budget. The YNAB forums are very complainy pants right now. YNAB allows you to be nimble and easily move money from a budgeted category to cover unbudgeted spending and stay out of the red. Just clean budgeting. Hot Pink Cup I agree with you on trusting the privacy of an extension that clearly warns that it can read your private data including passwords. I don't use any of their training or support so I really only pay for the software. Can someone clearly explain what "stealing from the future" is to help me better be aware of whether I should be concerned when making such adjustments moving forward? WordTenor Hey, just saw this thread. The fix is fine enough. Because YNAB is a paid subscription service, the app focuses solely on providing users with a great experience and powerful tools. True that YNAB is not just a software developer or budget more than you have investigating! This sftf issue a philosophy on how to spend your money zero-sum budgeting, it ’ s simple to around! Read, the transaction is treated as a software developer I 've the... Gas, clothing, etc so here ’ s simple to use and easy to budgets! Meaning a warning on the method—our Four Rules of YNAB, Embrace your True Expenses, teaches you think! Still categorized to to be an issue 2+ years old this ensures offsetting budget entries within the month! 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