First Spending Plan Training Video Available: Tracking Cash in YNAB

I finally finished my first video to help people with their spending plan! This first video walks you through tracking cash in YNAB. It’s an area that many people find confusing, so I wanted to make a video walking you through the process.

Boy, it was both fun and challenging learning how to animate PowerPoint and getting the video to match the audio. 🙂

It starts off with some discussion about the topic of tracking cash, but you can go right to time stamp 3:13 to see the step-by-step demonstration.

I’d love your feedback on this video. Thanks … and I hope you find it helpful.

Web-Based YNAB: My (Long) In-Depth QA Review

If you are a follower of this blog, you know that I am absolutely in love with YNAB software for managing my spending plan. YNAB stands for “You Need a Budget.” It has been a magical solution for many of us working a recovery program as it is an easy to use, virtual envelope system.

Their newest offering appeared just a few days ago. It is a web-based, subscription version that is intended to replace YNAB 4, which lives on your computer and can be saved in DropBox so you can work on it across all your devices through their Android and Apple apps.
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Launch of Web-Based YNAB!

Happy New Year to everyone!

A few days ago, someone told me that YNAB was launching a new, web-based subscription version that will be replacing their current YNAB4 desktop version. The subscription will cost $50/year or $5/month. If you currently have YNAB4, you will be eligible for a 10% discount ($45/year).

[In case you don’t know, YNAB stands for You Need a Budget and it is the software that I use to manage my spending plan. You can read more about why I love YNAB here.]
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Recorded YNAB for DA Members Workshop (Accounts)

The workshop went very well and I’m so excited that the recording worked! Now, aside from my sounding like Daffy Duck, I’m hopeful that this recording can help anyone, even a complete beginner. I really tried to keep it simple and resolve the issues that seem to be problematic for DA members.

Total time is 1:21 (one hour and 21 minutes). The great part is that you can stop and rewind as needed.
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REMINDER! YNAB for DA Members Workshop Tomorrow

I will be conducting a free conference call tomorrow (Sunday, 11/8/15) from 2:00 PM EST to 3:30 PM EST to walk you through the Register portion of using YNAB. This workshop is specifically geared toward the tasks DA members need.

No need to register; just call in! 2:00 PM EST to 3:30 PM EST
If you cannot make it, I will HOPEFULLY be able to record the call and will post it later, so you can follow along at your convenience.

Here is the call-in information:
Dial-in Number: (641) 715-3580
Access Code: 479117

International callers
Click here for a PDF with associated country numbers.

What you will need

* A working copy of YNAB on your computer.
* Pen and paper to take notes

You can either work in your existing YNAB spending plan or create a new plan along with me for the workshop. NOTE: YNAB calls it a “budget,” so I will use that terminology though we know ours is a spending plan! 🙂

Here is the Agenda:

  1. Walkthrough to create a new budget
  2. Where to save your YNAB Spending Plan
  3. Auto-download transactions or not?
  4. Setting up on and off budget accounts
  5. Entering transactions with and without a check number
  6. Transferring between accounts
  7. Dealing with cash
  8. Splitting transactions
  9. Scheduling recurring transactions
  10. Reconciling with your bank account (CRUCIAL!)

There will definitely be time for questions.

If people find this helpful, there will be a second workshop dealing with the spending plan side of YNAB for DA members.

Hope to “see” you there tomorrow!

YNAB for DA Members Free Workshop

Many DA members ask me to help them use YNAB. YNAB is short for “You Need a Budget,” and it’s been a fantastic resource for lots of DA members to track their spending (it’s a “virtual envelope system”). There is a cost associated with using this software and, of course, there are many ways to track our numbers. But since I get lots of calls asking for help, it occurred to me that going over some of the core concepts and functions in a group might be effective.


Oh, disclaimer: I get no money or any type of payment from YNAB. I have just used the software since 2009 and have found it invaluable in keeping me sober with money.
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Correction: 2014: Starting a New Year in YNAB

I had written a post last year about how to do the Fresh Start in YNAB, but I just went through the process and it’s entirely different now. I actually just deleted my old post as it is no longer relevant.

There is really no need to create a new file for the current year.

It is so different and I am not at all happy with the new process now. Unfortunately, I cannot write a new instructional post tonight. Let me just say that if you do decide to make a Fresh Start, you will have to:

  1. Manually enter all your balances into each account
  2. Delete all the uncleared transactions before your make the fresh start and enter them into the newly created file.
  3. If you want to rename the file, you must do it through YNAB’s File menu.

Seriously, I think I will just keep going on instead of creating a new file for 2014. I still love these guys, but this was not a change for the better, as far as I’m concerned!

Free Training from YNAB

By the way, if you are new to YNAB, they are having a teaching marathon tomorrow. There is no charge for classes. Here is the email I received today:

Let us help you ring in the New Year! We’re running classes all day and into the evening on January 1st beginning at 9am EST (US). Our awesome team of teachers is ready to help YOU start the year off right. Nail budgeting this year, and all those other resolutions come true!*

We’re focusing on two classes on New Years Day: Getting Started and Starting Over. Oh, and we’ll give away some software and t-shirts too. Everyone wins the best prize: peace of mind in starting 2014 on the right track.

Sign up now!

Wishing you all a wonderful, abstinent new year!

YNAB Interview

A few months ago, Jesse Mecham, founder of YNAB, asked if I would do an interview to give his listeners an understanding of how debting can be an addiction, from a compulsive debtor’s perspective, and to share my experience, strength, and hope about how Debtor’s Anonymous can help. Further, I wanted to explain how the YNAB software is a great tool for compulsive debtors to use to maintain their spending plan and track their numbers. (If you read this blog, then you know that I believe YNAB has been instrumental in my DA recovery.)
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Month End & Month Beginning

Because it is the end of the month, I wanted to talk a bit about closing out the current month and starting the new month. Since I use YNAB as my spending plan software, I am going to give instructions using that program, but you can take these principles for any program.
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