I’m using YNAB on a trial basis and would really like to make it work for me since I have heard so many good things about it. I’ve got another week or so left on my trial, and I still have not completely figured it out! The main question I have is about my savings accounts. My husband and I have a joint checking account and two joint savings accounts at the same bank, and I included all of them when I set up YNAB – should I not have? Is it only supposed to be for our checking account, which we use to pay bills? If I do include all of the accounts in my YNAB, how do I show those accounts in my budget section? Right now I can’t figure out how to NOT include those funds in the amount I have to be budgeted, nor can I figure out the best way to show that we designate funds each month to go from our checking account to our savings accounts.
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