Again, kinda useless here. I can’t even tell you whether the final numbers are correct or not. There’s no similar numbers in new Ynab. I mean, this is a dumb shit program.

I turned off the credit card category and told YNAB that it’s checking instead, because that’s basically how it’s used, and that’s helped a bit. Before it was telling us we had $8,000 available to budget. But actually, we have $5,000 (not that you can tell from below) because of the absolutely bone-headed way they treat credit card overspending. Seriously. It’s stupid.

October 2021
CategoryPreviousBudgetedSpentRemaining
Immediate Obligations
Rent$1,584.95$1,584.95$0.00
Phone$44.00$44.00$88.00
Internet$50.00$50.00$0.00
Electricity$175.00$114.75$60.25
W/S/T$80.00$78.01$1.99
Car Insurance$97.00$124.24-$27.24
Renters Insurance$140.00$15.00$155.00
Daycare$2,667.00$1,977.00$690.00
Groceries$700.00$935.88-$235.88
Transportation$56.05$120.00$185.03-$8.98
Household Goods$100.00$237.79-$137.79
Business Expenses$29.00$60.00$49.99$39.01
Pet Supplies$56.01$20.00$76.01
Interest and Fees$0.00$0.00
TOTAL$5,712.95$5,049.86$663.09
True Expenses
Auto Maintenance$800.00$100.00$900.00
Car Tag Fees365$20.00$385.00
Medical$100.00$350.59-$250.59
Gifts$622.01$200.00$202.84$619.17
Giving$40.00$50.00-$10.00
Professional Licenses$400.00$12.50$412.50
Taxes$560.00$80.00$640.00
Yearly Subscriptions$470.00$60.00$157.98$372.02
Stuff I Forgot to Budget For$0.00
TOTAL$612.50$761.41-$148.91
Debt Payments
Emergency Fund$30,695.53$50.00-$27.17$30,772.70
Student Loans$483.16$780.77$1,263.93$0.00
Car Loan$300.00$300.00$0.00
TOTAL$1,130.77$1,536.76-$405.99
Quality of Life Goals
Investment$650.00$650.00$0.00
Vacation$5,030.00$100.00$5,130.00
House Fund$79,582.83$80,827.79-$1,244.96
TOTAL$750.00$81,477.79-$80,727.79
Just for Fun
Alcohol$0.00$0.00
Dining Out$200.00$309.38-$109.38
Spouse Spending$12.20$87.80$670.43-$570.43
My Spending$13.36$72.89$220.63-$134.38
Kid Spending$660.00$686.14-$26.14
TOTAL$1,020.69$979.81$40.88
TOTAL EXPENSES$9,226.91$89,805.63
TOTAL INCOME$14,757.01
Remaining from Last Month
TOTAL REMAINING$5,530.10
OVERSPENT-$2,755.77
TOTAL LEFT FOR NEXT MONTH$2,774.33