"We Are the Norm." Ernie & Hannah Chat YNAB Struggles

[@RyChOr2005]

9:35 "Don't let perfect be the enemy of good" is a great quote that applies here. I often struggle with perfection getting in the way of me completing projects but this is always a helpful reminder.

[@BrianKrienke]

Honestly, this is such micromanagement and need for control. Maybe some people need that. The power is being proactive vs reactive. You can never have a plan for "everything". Enter transactions once a week and have a conversation with your spouse. Move on to bigger and better things. Also past data is extremely helpful in honing in maintenance costs of a house, a car, health care, etc. I think this is a psychological discussion. People that need to be able to forgive themselves and move on need this. Good for them, they must need it to get through their life. I think most of us don't.

[@moniques5545]

On the fresh start and past data on thing, I started a new budget just for net worth which I update quarterly. No transactions or bank info there. At the beginning, I did ‘fake’ input transactions for starting balances. I reconcile quarterly with current balances and just let YNAB do a reconciliation adjustment. Super easy way to see net worth over longer period, then fresh start main budget whenever I want.

[@YNABofficial]

HUH 🤔 Now if that isn't the idea of the century!! LOVE this! What a great tip! 🌻 Hannah

[@jcw3rdy]

Eleven plus years with YNAB4 and I've NEVER had a "messy" YNAB. I import *nothing*. I manually enter every transaction. If a receipt is not offered on a purchase I stand off to the side and enter it in the mobile app right then and there. I reconcile against my checking and CC statements twice a month, on the 15th and the last day of the month, and then, once those are all done TO THE PENNY, I pay all outstanding bills and zero out all CCs....and I've been doing that since Aug 2013.

[@PaulZanoni]

I am grateful for your comment today. All the behaviors you describe are so relatable. Because financial responsibility has always been an issue with me I reconcile my checking account DAILY. Doing this helps me to not only stay on track but ensures (but does not guarantee) that I stay true to myself. YNAB continues to be an integral part of my financial life.

[@mirandawalker6600]

I think I need to start fresh and unlink my bank accounts. It worked better when I did it manually.

[@ChristopherNewbold-o6n]

Ernie incognito??

[@lizp.9513]

Same. It's one of the few things in my life that I am consistant with...like every day consistant!! 😂

[@christinelindstrom3793]

I watched this episode twice just to hear Ernie say the goal of your budget is NOT perfection. But rather (as I interpret), it is to establish, resetablish, change, direction based on your life as is. As a YNABer just one year in after months of tinkering, renewing, and reflecting on our actual priorities, I find myself too rigid in my approach to YNAB right now. I need to stop categorizing in the middle of a conversation w a friend at the coffee shop!! I need to stop hounding my husband for the occassional & massive local beer purchase and just accept that as a newly discovered category. Thanks, Hannah! Thanks, Ernie!

[@YNABofficial]

Amen!! He's so right, and I love your revelation! We also say your spending plan is LIVING-it's expected to change and morph and adjust on the regular! This is just more proof that flexibility is the key to a successful and fulfilling spending plan! 🌻 Hannah

[@debratakagawa4764]

That was a good video. YNAB is so comforting. It helps you know there is a plan for everything. My husband’s tooth needs a root canal. At first it was just charge it. Then I found the money and now it’s all good.

[@lisaroper421]

Congratulations!!! That's a huge win! How sad would it be to have to keep paying off the lame root canal for a year or more 😢

[@YNABofficial]

Love it! Congrats Debra! That's a GOOD FEELING!! 🌻 Hannah

[@amandajohnson3651]

I needed to hear both of these personal stories. For the first time ever I have a 1 year old budget since being introduced to YNAB in 2016. And have enough history to know damn... I can't afford my past lifestyle. Now figuring out changes to continue to grow and hope for a budget that has a little more fun.

[@zachparker6101]

Best YNAB video yet and that’s saying a lot!

[@YNABofficial]

Oh, HECK YEAH!! We'll take it! 🌻 Hannah

[@FelipeMendez]

took me years to stick to budget, looking at it gave me anxiety because it derailed, now I feel anxiety not know if I have enought money and looking/updating my budged calms me down, and Hannah tips helped a lot along the way

[@katherinestill1520]

I hope you post more of these interviews! This was so great

[@YNABofficial]

We're thinkin' a next one is in order! 😏 🌻 Hannah

[@GlendaWarren-f1n]

Got you bet Ernie ! Been YNABing transactions since 2010 ! BUT now it’s not just a transaction recorder it’s the whole enchilada! We are actually using it as a couple every time we get paid and funding all ! Targets are made for our crazy amount of categories ! My husband finally figured out credit cards ( huge learning curves ) it’s all clicking now ! And we are NOT negative ! Thanks to all of you and the videos ! Hannah ! Ben ! Everyone ! ❤

[@MunaLab]

Really really liked this kind of videos. So helpful to see how relatable and insightful everyone's experience is

[@YNABofficial]

Same! We're all human! Love the comradery. 🌻 Hannah

[@ceciliaruns72]

Reassuring that your stories are similar to mine! The car loan gave me anxiety though!! 😢

[@Jennheartsqs]

This video just made my entire week! Hope there will be more. 🙏 ❤

[@YNABofficial]

There just might have to be! 🌻 Hannah

[@willowdovegirl]

Loving this

[@christypollock5874]

This is my problem, I spend on things I need on credit cards, and when my check comes I end up spending hundreds on covering the overspend and then not enough for the actual bills. I relate to this, logging in the bank account and thinking wow, that's a lot of money! my account has never been that high! My account was always $0 before payday, and now I have money assigned for different things some money stays in there regardless. As I need the money to pay things.

[@lisaroper421]

Fun to see the whole thing!

[@heidilovesrt]

He's the best of the Budget Nerds😁⭐️💪🏼

[@MatthewJohnston-u9h]

Hey love the video! But Hannah one question are those disc on the wall behind you ones your husband aced with? Love disc gold and couldn’t help myself but to ask😂

[@YNABofficial]

Ha! Oh, that would be AMAZING. No, these are just some of his favorites! He's got Hannah McBeth's whole Partee series, a bunch of Passion Test Flights, some Lunas, and a few of his favorite designs. But honestly, he moved away from Discraft a year, maybe two years ago. Now he has every Kristin disc imaginable! Just got two Pures in the mail this week 🤦🏻‍♀️ You definitely cannot deny we're a disc golf household over here 😂 Spent our one-year wedding anniversary at Worlds 🙃 🌻 Hannah

[@MatthewJohnston-u9h]

@ love it😂thanks satisfying my curiosity

[@YNABofficial]

@@MatthewJohnston-u9h I texted him your comment and he said, ""Say yes. I'll be a king." 😅 🌻 Hannah

[@jcw3rdy]

I don't do many Spit Transactions. I sort what's in my basket into Groceries and Household and then I have the checkout person ring them up separately and some times even on different CCs. 8^)

[@lynncole1500]

For some reason, in April, I fall off. I need to increase something to get through this time every year.

[@YNABofficial]

Interesting! Do you have kids in school, maybe? End of the year rush? Prepping for summer? OR, if you're like me you're CRAVING that summer sun and warmth and maybe you're experiencing seasonal "senioritis" and barely hanging on as you wait for summer to finally arrive. Fascinating observation! Curious if there's anything you might try to combat that next year! 🌻 Hannah

[@mcbguerout]

Can you tell me how to put a small icon in front of accounts and categories? Thanks in advance.

[@NettieFIRE]

To bring up the emoji keyboard: On a Mac: simultaneously Press Command + Control + Space On a windows: simultaneously ‘windows key’ + “.” (i.e. Full stop / period)

[@GMPetti]

Hannah made a video on this! It's called YNAB Quick and Simple, using emojis in YNAB Give it a search. That was how I got them in my budget, since it was created before emojis existed

[@mcbguerout]

@@NettieFIRE Thank you so much !