Fixing a Messy Budget

[@amanda5408]

It was fun to see you guys walk through how you would handle a messy budget. The ones that created the budget did a great job making it tricky and look real life.

[@alfskrzypek855]

I'm just crying over the 'shift' key Ernie ;) that was hillarious

[@abrieladams]

Do more of these please! This was so helpful, and entertaining! ❤

[@KAFNOR]

One of your nerdiest and yet most educational episodes yet! Talk about getting a real-life look into the consequences of not following the YNAB way in YNAB! Great show, guys! Thanks!

[@viennavr7002]

That was a surprisingly fascinating episode! Ben and Ernie chasing wrong transactions/transfers was like a YNAB escape room. 😂 Well done, I had a lot of fun. 🤩

[@NanetteLoves2Budget]

I would totally love if you could download a puzzle like this!

[@amvangro397]

I was just going to say that I feel like I'm watching an escape room. 😄

[@katsamiddluns8211]

The fact that "Carla's fun money" got overlooked so many times KILLS me 😂 This was a fun one, thank y'all!

[@YNABofficial]

Oh my goodness...her name is Carla 🤣. I'm just learning this now. I'm actually laughing out loud that we never caught it. Sorry Carla. ~Ernie

[@YNABofficial]

Oh my gosh it's RIGHT THERE! I'm so sorry, Carla. ~BenB

[@rachelfairholm764]

@@YNABofficial My favorite was at 39:31 when looking an HOA category, you're basically hovering over it and reference 'Jimmy and partner' lol

[@Fily55]

Loved, loved, loved this episode. When Ben mentioned the time it took to reconcile the accounts I had to check the time bar. Did not feel like 45 minutes 😅 Great job guys! 🎉

[@rosstheboss100]

BEST EPISODE YET!!! I love that you're teaching YNAB, and still learning! Keep up the hard work!

[@noodlerama-md]

Haha, this is a YNAB nerd‘s version of a gamer streaming. 😂

[@natashabrandstatter9724]

This episode was way more fun than I was expecting! When BenB was like, “Just delete them.”😂

[@pramwilson]

It woild be fun to see a side by side with different people reconciling the same budget and seeing how it could be done differently, but both can be right. I think it could be calming to know you are not messing up the budget if you do it differently than this video.

[@julieb6680]

This was fun. This reminds me of when I first started YNAB😂❤❤

[@ASan512]

Man this one was great! It's a very real situation and since I'm about to hit a vacation myself, this made me double check all my accounts to reconcile. I love seeing your approach and validating that I seem to be doing it right

[@LaurieEtchison]

I’ve only been using YNAB for a couple of weeks (I’m still in my trial period), but I was actually able to follow along with you and even caught a couple of things on my own (Carla, I saw you there, girl!). I do sometimes question the fact that this is my idea of fun, ha ha. Thanks for this video. 😊

[@DonetteJohnson]

Good job guys!! It took a while but you got there. I was smiling through the whole episode, it was entertaining & educational. I have been there & refused to walk away until I figured it out. Even though it took weeks to clean it up, I found it so much more satisfying to know that ALL my data is accurate. Look forward to seeing an in-depth episode on the inspector.

[@FeetintheGrass]

All those credit cards give me major anxiety! I got super invested in this 😂 thanks guys, it was good to watch

[@sherikauffman7214]

In my browser, I've pinned the tabs that I need to look at 1st thing in the morning every day: calendar, tasks, email, YNAB. That way at least one of those things is going to trigger my brain to do my YNAB.

[@earthmotherwithin]

This was helpful, and I am so glad I learned to trust the budget and consolidate bank accounts some time back

[@blt4084]

thank you, both! you're doing great work

[@chrisbranham1608]

I loved this episode!! I even learned a few new tricks. Thanks!!

[@Marie-AndreeChagnon]

I hope you do something like this again. I find I am struggling when I need to decide where to put my money when I don't have enough to cover everything, specifically the true expenses

[@RichardRietdijk]

Loved this episode. Hope you do more of these.

[@davidmstone1]

That looked like mine after not looking at it for a couple months. I had no idea you could hold down shift to select multiple transactions. That is awesome!

[@mlmonette]

Does anyone else catch themselves saying the intro with Ben and Ernie? 😅

[@chrisnewbold2348]

There it is!!! I got the podcast version at 11pm yesterday...was wondering if yall forgot to upload😅😅😅

[@YNABofficial]

It got posted later than normal-sorry! I was waiting on captions 🤦‍♂️ ~Ernie

[@AEmory99]

Time 24:42 No joke 😅that's likely me also!😂 I didn't know about the "Shift" key. ❤

[@CharleneCTX]

That same trick works in other software such as Excel.

[@VivianHoGrey13]

Mind blowing for me as well 😂😂😂

[@jeantesc812]

Loved this!!

[@laurenlovesstories]

I love this idea! It would be great if you could get a volunteer to go through their budget live with you but totally get why folks may not want to! (I will volunteer though my budget is organized.)

[@MikaDoesStuff23]

around 1:05:00ish, Disney category wasn't at $0 because it needed to matchy matchy the Vacation account!

[@YNABofficial]

Oh that is so funny. It was like that because we assigned the money there and then forgot that we did! 😂~BenB

[@ozcherie]

Just reconciled after 6 days. That is tooooo long for me. I hate trying to find the missing transactions (especially since in Australia our accounts are unlinked and my banks put transactions on the date they clear so the order is all different to what I might have in YNAB). Every time it gets messy it reminds me that 5 minutes prevention is worth 30 minutes of cure 💊😝

[@trackchik6]

I reconcile every Monday and every Friday. Once Ben or Ernie said they did that on an old episode of budget nerds, and I thought it was a good idea. I don’t think they still do it that way, but I do 😂. Whenever I have a blip it helps me not get stressed out - I say to myself: whatever it is, you can figure it out, you last reconciled only a few days ago 😂

[@ylyl55]

Should make this a template so weirdos that find this kind of thing fun can follow along at home. 🙃

[@NanetteLoves2Budget]

@@ylyl55 please make it so!

[@MindyTunnell]

Yeesssssss. Thanks for uploading this one ❤️

[@claralopez2010]

YES, this episode worked (at least for me 😅)!!! So, what do you call a person who has FUN watching someone reconcile bank and credit card accounts for an hour??? A YNABer, I guess 😂🎉

[@TatianaR31]

OMG. This is giving me massive anxiety 😵‍💫 But I would be lying if I said my budget hasn’t resembled this more than once 👀😂😂😂

[@carolostrye460]

Carla. Her name is Carla.

[@BlakeAStoffel]

When you were in the Manage Payee tab at 12:26 it actually had an automatically categorize payee on the right side of the window. (You may have found this later but I haven’t got that far)

[@shakirkhalaf9778]

Very helpful!

[@LydiaMoodyinFlorida]

Great episode. Can you rename your income? When I get paid the payee says the company name and date, so every month has a couple of payees. When I do quarterly annual reports, there's a long list. It would be nice to consolidate them. Aside from income, I may transfer in amounts from external bank accounts so there could be a long list. I noticed this budget had no loans (personal, auto, mortgages). I would like to see one that includes some example of with loans. I learned a lot in this video on mistakes I've made and features I didn't know about.

[@YNABofficial]

Yes, you can rename those income payees! Click on the name of your budget, select Manage Payees, and then you can combine all of them into one and rename whatever you want. This should also create a renaming rule so that new income gets renamed. support.ynab.com/en_us/how-to-add-edit-and-delete-payees-rkxMu4Skj ~Ernie

[@NanetteLoves2Budget]

Yes, I rename my paychecks. I really don’t think there’s any restrictions on payees you can rename.

[@melinegoulet8300]

New Budget Nerds feature: coaching real users??

[@classicrockonly]

Right when mine is beginning to get messy! Ha. I am expecting reimbursements, one short term and one that is large and going into next month and is really messing up my fresh new budget

[@GigaChadBigW]

thanks hehe please make something like this again with Investing tracking account recurring investment how to deal with activity a categories

[@GigaChadBigW]

does fresh start delete the reflect? of past month ect

[@YNABofficial]

Yes, just deletes your transaction and budget data. But it will be saved in an archived budget if you ever want to go back and check something out. ~Ernie

[@NanetteLoves2Budget]

I like the soft fresh start they used in the video. When you reset available amounts to zero, it leaves all of your transaction history so your reflect tab stays the same. I love my data so I want to leave all my data in the same budget.

[@GigaChadBigW]

@@NanetteLoves2Budget same hehe thanks I see it and forgot that I can use it

[@Drakorn-du8cf]

Thank you

[@yarnstead]

What’s the difference between transfer to Amex and payment to Amex? My YNAB doesn’t have both . It has To/From Amex or whatever account or card.

[@YNABofficial]

If one of the accounts in the transfer is a credit card, it will show as "Payment." That's just to make it a little more intuitive, because often people don't think of payments as transfers. I'm not sure why yours is different. Possibly, it's using the old language, because that's how it was when you first set up YNAB. ~BenB

[@jwest2133]

Mine is a disaster! Thank you!

[@amberdavies3178]

Next you need to find a couple to volunteer for a real coaching session on the podcast