YNAB Credit Card Guide (All You Need to Know)

A step-by-step guide to handling credit cards inside YNAB. This tutorial will walk you through every single detail of using credit cards with YNAB.
YNAB Affiliate Link: mappedoutmoney.com/ynab
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While I love YNAB, unfortunately, it can be pretty confusing. A lot of people will sign up only to get quickly frustrated and then give up never to return. And how YNAB handles credit cards is probably the most confusing aspect of the program. For some reason, it just isn't intuitive for most people, despite the fact that YNAB handles credit cards in the most realistic way possible.
I've never seen another budgeting program out there treat credit cards how they work in real life... except for YNAB. When I finally understand this, it sold me on the program and made me an instant fan.
I hope that this video will do the same for you.
In this video I'll cover:
- How to set up your YNAB accounts
- How to deal with your starting credit card balance
- Using YNAB's goal function to pay off your credit card
- How YNAB treats credit card transactions
- The difference between debit & credit and how YNAB handles them
- How to deal with overspending on a credit card
- Adding credit card interest to YNAB
- Making payments towards your credit cards
- A pro tip for never missing a payment
This tutorial truly is everything you need to know about YNAB and credit cards. I hope you learn something and be sure to leave a comment with any questions you have.
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Quick Jump To Video Sections
0:29 - Setting up credit card accounts
1:36 - Covering the starting credit card balance
3:15 - Setting a goal to pay off your credit card
5:53 - How credit card transactions work
7:36 - Debit vs. Credit transactions in YNAB
13:32 - Credit card balance vs. Available balance
15:00 - Handling overspending on a credit card
22:42 - Dealing with credit card interest
26:12 - Making a payment towards your credit card in YNAB
29:03 - Making multiple credit card payments
29:17 - Pro tip for remembering your payment due date
______________________________________________
My Website: mappedoutmoney.com/
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[@benschindler7634]

Nick, after struggling to realize that my "mental" budget was really disconnected to reality I looked around for ways to get a hold of my spending. I tried Mint and it didn‘t really work for me. After watching your videos I gave YNAB a shot and after a month of free trial, I was almost excited to spend the money on this product. Now after almost 6 months in, I have watched your videos countless time, I don‘t even google YNAB questions anymore, I just look for the appropriate video of yours. I agree with many others by saying YNAB should include these videos in their tutorials. Your videos have changed the way I look at my money and spending. Thank you!

[@qwerty9902]

Hey Nick, You're killing it man. I have tried three times in the past to utilize YNAB to help me with my financial responsibilities. You are the first person that has been able to explain this program to me effectively. From the bottom of my wallet, Thank you

[@mappedoutmoney]

haha, glad the videos are helpful for you Conner! That's certainly the goal. Good luck YNABing man.

[@frshkmyfrzl]

I'm on my third time too! All the best man. Hope you're still on it!

[@ahsm]

@@mappedoutmoney i tried probably 10 times to start ynab during the course of a whole year (and paid for it too) and kept giving up but your videos helped me a lot and im finally doing it thanks

[@fabiandexter8550]

I dont mean to be off topic but does anybody know of a trick to log back into an instagram account? I was stupid forgot the account password. I would love any assistance you can give me!

[@nobytes2]

@@fabiandexter8550 yeah you hit the I forgot password and reset it using the link on your email. Oh wait you're just a scammer haha

[@barbarahermannster]

Dang, Nick. You are so much better at explaining than the YNAB tutorials. Thanks!

[@mappedoutmoney]

haha, no problem Barbara! Glad the videos are helpful for you!

[@bparrish333]

For real. This has been the biggest obstacle to me sticking with it and he explained it so well

[@vapb400]

You are insanely good at explaining things. Thank you sooo much!

[@mappedoutmoney]

haha, Thanks Chris! I'm glad the video was helpful for you man.

[@lb4737]

Hey Nick, I've been trying out YNAB over the last couple of weeks and I have to say that your two videos have convinced me to purchase the subscription. Those two videos are by far the best ones I have come across for simply describing the process of using YNAB correctly. I was having all types of problems figuring things out until last night. I watched many other videos but for some reason yours really clicked with me and I'm pretty confident that I can use the software to meet my needs now. Your other videos are pretty great too but I feel like these YNAB videos are top quality, standout content. Thanks so much for making these!

[@mappedoutmoney]

Thanks for the kind words! This right here is literally what I do this for. And yeah, I put a lot of time into the YNAB videos haha. I'm hoping that I can continue to carve out time to put this effort into my other YNAB ones as well :) Seriously, I'm so pumped that these were helpful and I really appreciate you taking the time to let me know. Best of luck with YNAB! Let me know how you're doing down the road and feel free to ask any questions if you need to!

[@matthewheadland7307]

lb4 I started at the end of jan, exact same here eh Looks like you got here a year ago! Wondering if you’re still using it and how it’s going

[@jcepri]

I was so ready to give up on YNAB until I saw these videos. YNAB needs to give you some sort of commission, Nick! lol

[@lb4737]

@@matthewheadland7307 Sorry, this is a really late reply. I do still use YNAB. It has been my number one financial savior.

[@theresamcclinton1825]

This makes so much more sense now! Thank you! I followed your beginner's video yesterday and set up my whole account, but couldn't understand the credit card bit. This helps so much!

[@justnealpatel]

Just started with YNAB this week and wow, this cleared up all my CC questions. Love the content!

[@MakingLemonadeCreations]

Video is 1 1/2 years old and still very applicable. Best YNAB video on credit cards I've seen! Been using YNAB for 3 years and never could seem to get some parts of CC correct. You've provided the missing piece of the puzzle and I feel much more confident about using YNAB. Subscribed and off to watch more of your videos.

[@tkldr]

Great information, thank you! This is our first month on YNAB and this helped a lot. 👍🏽

[@leelee8311]

Thank you so much for making this YNAB videos... you have an amazing ability to communicate these lessons in a clear and concise way and yet cover all the details -- very grateful!

[@nikilemley2996]

I think you fixed all my confusion concerning YNAB with this. THANK YOU

[@joss7772]

Hey Nick! I just want to let you know that your videos are helping people all over the world including me from Dominican Republic in the Caribbean! Your videos are supper clear and detailed, Me and my wallet truly apreciate the time you take to explain how YNAB works. Keep up the fantastic job!

[@ahhseni]

This is 2nd of Nick's YNAB videos that I have now watched. Both the videos are thorough and well articulated that it just makes sense. They are truly a must watch before tackling YNAB. Given all the other comments on fighting the app and to make it work for lengthy periods I am grateful I came across these videos before wasting too much time and/or just giving up all together. I bet there is a direct correlation on how fast one hits the ground running by simply watching these videos. Keep up the great work! Thanks again!

[@mappedoutmoney]

BOOM! That's so great to hear ahhseni! I'm super excited that these videos have been helpful for you. YNAB is so powerful and such a great tool, but can definitely be confusing. I really appreciate you taking the time to watch and comment letting me know the videos are helpful. Let me know if you ever have any questions and good luck YNABing!

[@ottergirl1913]

FINALLY I get it. You went through steps that had been skipped by others. Thank you so much!!

[@Roman-rc1cz]

It's 2020, and your teachings are still pure gold. Thanks for the info, Nick!

[@mappedoutmoney]

No problem Roman! So glad the video helped :)

[@rafikibubu]

This is great man, thanks for posting this. Just started with YNAB to replace my old, by-hand budgeting tool, and the way credit cards work was the last big hurdle. Many thanks! Cheers, ~Nate

[@spencerhyatt]

I've been using YNAB for almost a year but just recently switched to using a credit card for most transactions. This video was incredibly helpful! I fully understand now, and this video answered a question about why a couple numbers weren't matching in my budget. Fantastic explanations, great job!

[@mappedoutmoney]

Awesome Spencer, so glad that the video was helpful. Appreciate you leaving a comment! :)

[@smudgeprooff]

Thank you, thank you, thank you. Have spent the last month trying all kinds of apps, spreadsheets, etc. to get budget on track. Discovered YNAB then discovered you, and now I can take a nap. Thank you for taking the time to make easy to understand videos. I watched this one and the beginners one, and my budget is set up and functioning great.

[@lesterhess5955]

Great Video! I just started using YNAB and your videos have helped my greatly. I've gotten way more from this video than the content YNAB provides. Thanks!

[@sequansreviews2039]

Keep up the good work I just started with YNAB and your video are helping I was trying to figure out how to add the credit card payment, your videos are on point keep up the good work.

[@yasserhy]

WAW! I nailed it! Thanks to your video, I was able to properly manage my credit cards! Thanks!

[@TRD_Mike]

Yet another great video on YNAB. I just started YNAB 2 weeks ago and I couldn't have done it without your videos. Thank you!

[@mappedoutmoney]

Hey thanks! So glad the videos have helped!

[@fsullivan5947]

I just joined the free 30 day trial. I went through several of YNAB’s videos but was still feeling a little overwhelmed. I ran across your video and was so relieved. Excellent job explaining steps...so helpful.

[@akieshafoster910]

Each time I need to remember how to categorize credit card transactions. I rewatch your video. Thank you for creating this great content.

[@SusanFay-ut9yh]

Fantastic video! I've been off the YNAB bandwagon for several years and your videos are so helpful that I am feeling "armed" enough to jump back on! Very inspiring and empowering -- thank you for your clear as crystal explanations!!!

[@robaer]

Nick, Your videos have really helped me get YNAB setup and operational. It's only been a few weeks but I am starting to see my attitude change about how I am managing my money. I used to have a sophisticated spreadsheet that was excellent at forecasting but crappy at showing me where I was going wrong and spending poorly. I am now finding those mistakes and correcting my spending. I have set goals for my categories and started getting realistic about how the money is spect. It was your videos however that helped me understand the concept of credit cards (how it works in YNAB) as well as get over the idea I needed to allocate my future money to things each month... that I just roll with the paycheques and make sure my goals are accurate so that those dollars will have a job when I do enter that paycheque transaction. Nice work, thorough explanation... great job.

[@davidhallum1223]

Finally! A video that explained the credit card fiasco in YNAB. It makes sense now that you explained it in perfect detail! Thank you so much!

[@fuzzynuggetsbees]

This video was so helpful!! I really screwed up my budget with the credit card payment last month (free trial month) and had to start all over. Your video clears up all my confusion. Thank you!!

[@spetersen8347]

OMG! I am 52 and have been a YNAB subscriber since before it went online. I NEVER understood the credit card incorporation before. This video is FANTASTIC. Thank you. You are a wonderful teacher!

[@IgniteTheWorld7]

We have watch the video for beginners and this one. LOVE IT! You teach in such a great and easy way to understand. Thank you, Nick!

[@mappedoutmoney]

Awesome!! So glad the video was helpful for you :) I appreciate you taking the time to comment and watch. That means a ton. Thanks!

[@MrJmdubose]

Absolutely fantastic set of YNAB videos. You're a lifesaver my friend.

[@mappedoutmoney]

Thanks John! you’re very welcome. I’m so glad to hear that the videos have been helpful for you. 🙌 Thanks so much for commenting.

[@aneeshm2]

Thanks for the video; I found the section about how YNAB handles paying off the balance helpful, and it was what I came here looking for as well.

[@Shelley125303]

I love your videos you make it much easier to understand YNAB. I have watched the credit card one several times lol

[@mappedoutmoney]

Thanks Shelley :) I'm so glad that the videos are helpful for you.

[@josephnevarez4652]

I just got this program today and wanted to chime in and say these videos are invaluable. You're an excellent teacher.

[@mappedoutmoney]

Joseph Nevarez thanks! I’m so glad that the videos have been helpful for you. I really appreciate you taking the time to leave a comment and let me know. It means a ton.

[@marlaedington6471]

Nick, I’m just starting to watch just your second video, and I must say, I am impressed! I’ve been trying to budget since I’ve been married 23 years ago, mostly failing. The main problem was keeping track of what I actually spend and categorizing it so it corresponds with my budget. I’m using YNAB for the 2nd time (I didn’t like it several years ago before all of their recent updates and move to the cloud version and newer app), and now I will not budget in anything else. I still mess it up sometimes, and still have the bad habit of overspending but hopefully soon I’ll get this right! Anyway, all that to say, your one video I’ve watched was awesome!!!! I’ve watched hundreds of budgeting videos and yours is really good! Thank you! I can’t wait to finish the credit card one I’m watching (because I think I’ve still been a little confused) and find another one! Are you employed by YNAB? If not, you should pursue it. They need to snag you up in a heartbeat. I’ll recommend you!

[@mappedoutmoney]

Thanks Marla! I really appreciate that. haha, no I'm not employed by them. Although I am in contact with them and we partner together because I love to promote their app. But I'm on my own :) I'm so glad the videos are helpful for you. I'm excited that it feels like you can finally get the hang of the budget and truly use it to get ahead. Thanks so much for commenting. It means a lot to know that the videos are helpful. Please reach out anytime with questions :)

[@williegeorge2346]

Nick, You really make the action and process easy to easier. You are a great Facilitator.

[@heathers.6390]

Sitting here (01/02/2021) determined to give YNAB one more try. I tried last year (didn't know about you) and now having watched your videos I have renewed confidence that not only can I grasp this budgeting platform but that it will further enhance my budgeting skills for our household. So THANK YOU!!!

[@marykirby7344]

Thank Nick.... I watched this video as suggested at our meeting. It did clear up a lot but think I'll be watching again a few time before we meet again. Again... Thanks!

[@mappedoutmoney]

So glad it helped!

[@TanyaBRealEstate]

Thank you! Like many subscriber comments I signed up to YNAB and was about to give up on it after watching all of there video tutorials but decided to give it one more chance when I googled YNAB tutorials and found your content and am now convinced to purchase the program. I only wish I would have found this before I subscribed and gone through your link so you would have received the free month. By the looks of the comments YNAB owes you a lot for the amount of users that have stayed with them do to you. Keep up the great work and I look forward to checking out the rest of you content on your channel! :)

[@mappedoutmoney]

Thanks Tanya! I really appreciate the kind words :) That means a ton. I'm so glad the tutorials have been helpful for you! Let me know if there's ever anything I can do to help! I appreciate you taking the time to write in and let me know that it was helpful.

[@nikkiallen7831]

I agree with Tanya! Thank you so much!

[@laurawray7705]

Thanks Nick! You've got the right combination of explanation and example to really help me wrap my brain around handling CCs. I've a few of your YNAB videos now, and they're just stellar! You're my go-to for understanding :)

[@mappedoutmoney]

Woo! That's awesome Laura :) So glad that the videos have been helpful for you. Thanks so much for commenting to let me know!

[@rachellane9224]

look, I don't know you from Joe, but the way you have explained this- I feel like it actually makes sense! Ive been using YNAB consistently with a full understanding of budgeting and my money. Thank you!

[@JustinSmithXenoabe]

Thanks Nick! I've been confused by this for a long time and this was the first time it clicked.

[@mappedoutmoney]

So glad to hear that Justin! I appreciate you taking the time to comment and let me know that it was helpful for you. Good luck YNABing my man!

[@adamberberich6448]

I've been struggling to get my Credit Cards to sync up with YNAB and this video was PERFECT. Thank you thank you THANK YOU!

[@flamingo.and.co.26]

Nick, thank you so much. Just after I applied for a secured credit card, I saw a post on a YNAB FB group recommending your videos. I watched this video and once I received the cc, followed your instructions! It was so easy when I did my first transaction! Thanks so much for sharing!

[@mappedoutmoney]

Woot woot! So glad to hear this Angie :) I’m excited that the video was helpful for you. thanks so much for commenting and letting me know that it helped you out! Good luck YNABing! :)

[@marybenze2202]

Great Video! This is the first time I really understood how YNAB works!

[@kurtiszone]

Finally credit cards explained!! The official YNAB videos don't cut it, but your videos are so clear and comprehensive. I was ready to quit YNAB before my free 2 months expired, but now will continue to use it. Keep up the great work,Nick!

[@mappedoutmoney]

So glad to hear that Kurtiszone! I really appreciate you watching and taking the time to comment and let me know that the video was helpful for you. Good luck with YNAB and let me know if there's ever anything else I can help with!

[@wc2287]

Outstanding job Nick! Great examples and I'm really glad to be starting over with credit card payments after making most of the mistakes you mentioned on the video. Appreciate the help!

[@mappedoutmoney]

No problem Brad! So glad that the videos are helpful for you.

[@micheleweber7297]

You really are a genius when it comes to breaking down concepts and explaining them. Another great YNAB video!

[@mappedoutmoney]

Thanks Michele! I really appreciate the encouragement. That means more to me than you realize. I'm so glad to hear that the videos have been helpful for you :)

[@kendrawright5283]

The hack with the due date in the credit card name at the end was fancy! LOVE LOVE LOVE all your YNAB videos. You're my fav to watch and learn from. * zooms off to pay off the credit card 🏃‍♀ *

[@mappedoutmoney]

Thanks Kendra :)

[@jdp5011]

I can’t tell you how helpful this video and the Getting Started video have been... thank you!!!

[@mappedoutmoney]

Awesome, so glad it was helpful for you :)

[@naomieggleston6708]

This was extremely helpful! I could not figure out why my budget was so off. I was adding transactions, assigning categories and then on top of that, budgeting the total payment to my CC Company (which included the money I had already budgeted in other categories. My numbers were completely off. I am going to start fresh now and keep pushing on. This is a must watch for all YNAB users!

[@brown1983]

YNAB is brilliant and you're brilliant at explaining it. Thanks dude. I used YNAB a while back with the mindset of forecasting and stopped. Picked it back up again this past weekend and was sent your Beginner's video as a reference. This stuff is really great. Can't thank you enough.

[@mappedoutmoney]

Thanks! So glad that someone sent you my beginner's video. So happy that it's been helpful for you man. Thanks for the comment and just keep on YNABing!

[@ErikDouds]

Another great video. I really do find this way more informative than any YNAB resources. It's my second attempt at YNAB budgeting and the CC payments was one of the final hiccups.

[@gstolley]

For the 1st time in my 40 years of handing our families finances, I am excited, and most importantly, confident I can. I have tried Mint, and Every Dollor, and gave up quickly. Something was always missing, I thought it was me. You just explained in 2 videos, and 1 hour all my past problems. Starting YNAB today. Can't wait to watch all your videos, laster .... after my head clears. Most likely I'll be watching the starter video and this one over a few times 1st. What would you recommend as the next "most important" if you had to choose. We are months away from a 100% debt free life, also for the 1st time. No more house payments! I can't wait to see where we go from here. Keep up the great work.

[@tinaindia2010]

By far, this is the most helpful video on YNAB credit cards. The info on the website is confusing AF... this is so clear! Thank you!

[@mappedoutmoney]

Haha well I’m glad it was helpful for you :) I really appreciate you taking the time to watch and comment. Good luck YNABing! :)

[@MantisFoxx2]

I have been procrastinating watching this for almost a year now and I finally watched it today and OMG this explained it sooo soo well!! I now get CC's 100% with YNAB!! Made me resume my subscription to give another go(it was gonna be over this December) Thank you thank you thank you Nick!!

[@andrewhadd6616]

Excellent video and descriptions. Thank you!

[@karlawashington5795]

Gosh, SO helpful! I've re-started YNAB 3 times already in the past month because I kept messing it up (mostly not understanding how to use). Also your comments helped me decide to pull the plug on the bank connection, THAT was driving me crazy! thank you, can't wait to watch all your YNAB videos.

[@mappedoutmoney]

Hey Karla! :) So glad to hear that the videos have been helpful for you :) I really appreciate you taking the time to comment. Glad you're on the YNAB train. Good luck and let me know if you ever need anything!

[@annmariebarber7040]

I am new to YNAB and your videos are so helpful!

[@jenniferwalker6639]

Thanks nick! I have been a nYNAB holdout because I love YNAB 4 so much. Finally transitioning over and needed help with the credit card stuff. Great video!!

[@mappedoutmoney]

Yes! So glad to hear it Jennifer. The credit card stuff is definitely confusing. But so glad that this video helped out :) Thanks for letting me know it was helpful!

[@metepolat8162]

Thanks man, super helpful. Watched this and the savings video and feel so much more set up to start budgeting. Really appreciate you putting time into this!

[@mappedoutmoney]

Excellent Mete! So glad the videos have been helpful for you man. I appreciate you letting me know. Good luck and reach out if there's ever anything I can do to help!

[@patriciacancellier8851]

Finally an answer to how you deal with money transfers to pay credit card bills. Thank you!!!

[@tamaranyberg2261]

I've been using YNAB for 3 years without fully understanding the nitty gritty of credit card overspending. Your video really explains it so well. Thanks! I love all your videos. For me it's been good to watch them to review how YNAB works. Also recently learned about the tool kit from you.

[@jenaboone4787]

This was super helpful! Excited to check out your other videos!

[@mappedoutmoney]

Awesome Jena! I'm super glad to hear that the video was helpful for you :)

[@KOSANA76]

Thank you so much for this video! I'm loving YNAB, but I've been having a hell of a time understanding credit cards. I think I get it now!

[@mappedoutmoney]

Of course! Glad it's helpful for you Alice :)

[@melbell2125]

Will need to add a YNAB subscription to my budget. The videos are super helpful. Thank you!

[@mappedoutmoney]

haha, yup! Definitely add that. Glad the videos are helpful :)

[@LMDixon]

Thank you Nick for this great video! I've been testing YNAB out this month and for the most part I actually like the concepts for their budgeting process. The cc section was really causing me some confusion but your video answered so many of my questions. I'll watching a couple more of your other videos this week to see if you offer any pro tips for becoming a YNAB rockstar. :-) Thank you again.

[@kdevor0]

As someone who has spent the last year facilitating online training for digital tools, I just wanted to give you kudos. All your videos have me feeling great about my first "real" month with YNAB!

[@mappedoutmoney]

Well thanks Kali! I so appreciate that!

[@ExplorewithSvetlin]

I was searching exactly for information on this and boom - you provided it perfectly. Thank you!

[@mappedoutmoney]

Awesome, so glad that it helped!

[@ontheotherside4611]

I can not thank you enough for this video! Thank you thank you so very much! I was needing help where to place the CC payment, I pay it off every month but I wasn't sure how to do it. I just added this account to my YNAB!

[@darrinmc]

This was the only part of YNAB I didn't understand and you explained it perfectly. Thanks!

[@mappedoutmoney]

Awesome Darrin! I'm so excited for you. Glad to know that this filled in the gaps for you!

[@Shopgirl2000]

Love all your ynab videos - pls keep making them (even about the simplest things 😊)

[@mappedoutmoney]

Absolutely! So glad that they've been helpful for you :) Thanks so much for commenting and letting me know.

[@Jir0x]

Amazing, the only video I found speaking about overspending and Interest on credit card.

[@robin6381]

Thanks for this video! 5:53 was exactly what I was looking for.

[@ItsAJarofJam]

This was so helpful! I've been trying to figure out credit cards in YNAB and now I think I finally get it!

[@mappedoutmoney]

Awesome! So glad that it was helpful for you. Thanks so much for taking the time to comment and let me know :) Appreciate it.

[@dreabrauch2683]

Thank you. I have been checking videos and as soon as I entered credit card charges I messed up everything. I had to redo budget three times in 7 days as I always broke it. But I think I finally understood how it is all connected.

[@YULABEBE]

Thank you for the excellent and thoughtful content. I became incredibly frustrated trying to find intro level YNAB tutorials on their site; both the language AND content in these tutorials cater to the newb which is of enormous help (to the newb). Thanks!

[@sabrinastewartphoto6902]

your YNAB videos are the best out there. thank you SO much.

[@mappedoutmoney]

No problem! Thanks so much for watching Sabrina. Really appreciate you taking the time to comment :)

[@nucleus99]

Nick, I cannot thank you enough for this video. I just started using YNAB and I was stumped on what happens to the money that I am spending from my CC and balancing it with my checking account (you know, that confusing part). Keep up the great work!

[@mappedoutmoney]

Nice Muja! I'm so glad to hear that the video was helpful for you. I know how confusing the credit cards can be in YNAB. So excited this helped clear things up! Good luck YNABing :) Thanks for letting me know it was helpful.

[@bindiboo1]

I have been using YNAB since it's very beginning, and I just didn't get it, no matter how many of YNAB's tutorials I watched. That was until I found your videos, you explain it all so simply and in a way that my brain understands. For this I thank you. I used to be on the YNAB classic version but since watching your videos I have ventured to the newest version.

[@Adamsumma]

Thank you, thank you, thank you! In using YNAB (love YNAB!) and with the great help of your videos, Nick, I feel like I'm getting a huge part of my life under control. What a relief! Also, I am able to pass along this information to my teenage kids, giving them a leg-up before they even get started!

[@mappedoutmoney]

Woot woot Jill!! So glad to hear that :) YNAB is a great tool once it really clicks for you. I really appreciate you taking the time to comment and let me know. I’m excited that you’re going to pass it along to your kids! It will definitely give them a huge leg up. :)

[@marlaedington6471]

Thank you so much for making credit cards more clear in YNAB!

[@514jej]

True story: We’ve gotten started and comfortable in YNAB because of your videos. Thank you! We decided to add a credit card to the mix, and I tried figuring it out with a shorter tutorial on the subject. A few minutes in I was like, “Nah. I need to learn from Nick. I’ll understand it from him.” And here I am. Keep up the great work!

[@juniperlater]

This solved my last problem with YNAB. You're the best!

[@mappedoutmoney]

Awesome Matthew! SO glad that the video helped you out. Thanks for taking the time to comment and let me know it helped!

[@Kelle001]

Oh that was awesomely helpful. The same payment technique applies for a mortgage by setting up a mortgage interest account and then transferring $$ over. Thank you

[@jenniferabp]

THANK YOU!!!!!! Best tutorial! Timeless info!

[@haetube]

Thanks for this video. After 2+ months, the credit card part was constantly tripping me up. I think I understand it now.

[@mappedoutmoney]

Awesome! Glad the video helped clear it up for you!

[@nwalker2619]

Ty, I've been using YNAB for years and now I finally understand how it does credit cards

[@tammyshaffer7732]

I need help figuring this out

[@sandypetersen6329]

Thanks so much for taking the time to explain this so thoroughly!

[@mappedoutmoney]

Of course Sandy! I"m so glad that the videos are helpful for you :) Thanks for commenting!

[@joymccracken1939]

Dude this was awesome! You are carrying me through YNAB! I decided to give it another go and because of you I get it! Scene from E.T. - 'it's working, it's working' - thanks Nick!

[@mappedoutmoney]

Thanks Joy!

[@danmantena4676]

thanks Nick! great video as usual!

[@paulnjulia]

Excellent video, coupled with your earlier vid on Ynab, builds into a great series for us ynabbers

[@mappedoutmoney]

paulnjulia thanks for the kind worlds! That’s definitely the goal, :) glad it helps.

[@donnaowens7692]

Another helpful video! Thank you so much for putting so much effort into these tutorials. Very helpful when I get stuck. No time to figure out how to create goals for shared expenses.

[@mappedoutmoney]

Thanks Donna! Really glad that you enjoyed the video and find them helpful :)

[@matthewwatson3715]

I had already downloaded the trial version and then I found your KZbin video. It has made my understanding of this program so much easier and I am now keen to see if you have other videos that can help me make the most of it. Without your video I would’ve probably given up on the app because it was just confusing and I actually work in accounting scary hah

[@brittanyeustice8599]

I tried to figure it out on my own after using EveryDollar for several years. The rolling funds and credit cards had me so confused. Thank you so much!!!

[@jackiecleary9639]

Thanks for another great video! I’ll be rewatching this on the iPad while working my budget on the computer. I couldn’t do this without your help!

[@mappedoutmoney]

No problem jackie! So glad that it was helpful for you :)

[@Mcphersongirl]

That is a game changer, I was about to give up on YNAB, but this explains it so much better than their videos.

[@vunderbay]

You Sir are a gift from YNAB Budgeting Heaven - Thank You!!!!!

[@jmccrear1]

Long time YNAB user. Hubs and I both have work CCs that get reimbursed monthly and paid in full. Got some helpful tips from your video ESPECIALLY the idea of putting due date for CC in acct description! GENIUS!! Thanks!

[@mappedoutmoney]

Boom! So awesome Jenny. Really happy to hear that the video was helpful for you. Thanks so much for watching and for the comment :)

[@kayejanda2884]

thank you!!! I may actually get paying my credit cards right. Your video is terrific.