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Oh some good book recommendations I’m going to check them out, have you read the artists way ?

Never apologize for being YOU. I'm so happy that you are excited for your work. You have so many good things on the horizon and I'm glad you're sharing it with us.

The level of happy I got when you said "Oh! I know! What does my target say?" 😂 Your kitty looks like my parents late kitty, Prissy ❤ I love the idea of getting your license! I have several friends who are realtors and they love it. One who just recently got his license and is still working on getting started in the area but he still enjoys the business, I hope you enjoy it! Feel better soon!

Hope you're feeling better now, or at least well on the way.

YNAB doesn't let you budget ahead in cash/debit accounts only credit cards. So they kept the 97 in May so that you don't screw up your budget in the future.

I hope you are well on the mend. Nice job, especially considering how you were feeling! Cute kitty!

Happy Monday ❤❤ Great job 🎉

nice budget! are you saving up to buy an annual gym pass or why are gyms in twice?

Yay!! It looks great! I'm so excited that it's clicking and making sense 😊 Congrats on the lower oil bill, that's awesome!

Great job! I think you're on a good track.

gas, you had $10 rollover into May, and the type of target you've got to not include that amount and to add $70 a week regardless of what is in the available amount column

for targets, either make sure the transaction is either paid before Feb 26 or on Feb 26 otherwise it wont start again or if fluctuates in Feb just put the last day of Feb or you can push delete button target and re-enter it again

Hi ❤ New subscriber. 😊 You are on top of your budget.

Well, that went really smoothly - good job!

Great video 😊 you’re doing a wonderful job budgeting!

I think you’ve finally made YNAB click, and that makes me so happy! I’m so excited to keep watching your budgeting journey. I’m on the same pay schedule as you, May is a “magic” 3 paycheck month. Keep up the great budgeting 😊

For the Forgot to Budget target, it sounded like you want it to be a sinking fund. So you want the target to say “set aside another” 15$ per week, rather than refill. Refilling would mean that you would only have up to 15$ in there at a time. I’m only 3 minutes in so you may have already figured that out lol. They just updated those targets to make it more intuitive but it can be confusing for people just getting used to it.

I've finally come up with my daily affirmation! Lol, it's not anything like this but it's what I need to keep me focused 😂 "I will focus on what needs my attention" - I know it's hard to tell because I'm sooo on topic all the time but I have a tendency to wander from thing to thing and get distracted 🐿🐿

Yaaayyy!! I'm so happy that this is working for you!! 🎉 What an amazing feeling when it starts to click 💖 I hope you had a happy Mother's Day!

I'm glad the the reorganised categories are working for you - it helps to see things in order of importance/immediacy to guide you where to assign any new money to. I see that you have quite a few annual categories set up with targets and YNAB is indicating the monthly amounts which should be assigned to work towards having the total required by the time it's due, but most have nothing assigned yet despite being small amounts individually. Is there a reason for not funding them? The idea of funding them incrementally each month is to avoid larger shocks when the annual payments are due. Nice to see you so positive about how it's going - you're doing a great job!

It's really great to find another mid-life YNAB budgeter on TH-cam who isn't necessarily talking about enormous wealth/investments 🙂 Good job on the success with recategorising, in the past having categories that weren't realistic or useful really derailed me. Long may it continue for you!

Happy Sunday ❤

A friend of mine had a daily prayer that was similar to an affirmation. She was a massage therapist and would pray for her higher power to send her people she could help who could afford to pay her. I love the simplicity and specificity of this prayer. I appreciate you sharing your process in defining an affirmation that will work for you. It has me thinking about one for myself. Wishing you well on your journey with your TH-cam channel! Editing to add that she was my massage therapist. Sadly, she passed away a couple of years ago. I’ve yet to find a massage therapist to replace her, but all in due time. Today I am grateful for the opportunity to remember her and share a tiny bit of her wisdom with you. Happy Mother’s Day! Hope you and your children and your mother. Enjoy any time you have together today.

I love this overhaul. It makes a lot more sense.... to me anyway 😊

I love the updates! I know as you continue to use it, you'll continue to fine tune (or overhaul again! that's fine, too) :)

You need to change your YNAB target to needed for spending, custom, and then set it to repeat! That way it’ll automatically reset every year for you.

I like the new set up. I hope it works out better for you!!

I love it!! I'm so happy to see you figuring this out and making it work for you!! I'm sure you will stumble across other categories as you go and probably re-do this a couple of times, I can't wait to see how this works out for you 😊

The beauty of YNAB is you can tweak and tweak some more. You are progressing so well with this journey and adventure! I would have put the rest of the money in your mortgage category so you don't have to find all $800 of it out of next paycheck! Just my 2cents 😜

I love your thought process! So much like mine lol

Great job Nikki!

Love this new setup! Just curious why you wouldn't let your child cover the entire cost of a tattoo? Could be a good teaching opportunity for them?

Your new budget looks beautiful!! That is the great thing about YNAB, that you can completely customize it to what works for you. I think all YNABers change their budget all the time, because your priorities change all the time. For that YNAB target I don’t know if it’s set to repeat or not, that could be the issue. But if it were me I would delete the target and reset it for the new payment date.

Overhaul looks great! 1. YNAB - delete your target and set it up again for the new year. That will solve that problem 2. I have a ton of domains for godaddy too. I have a domain category group and then each domain is listed in there with its own due date 3. Have you played with filtered views yet? You can create a view for all your bills due in the first 2 weeks and then a view for the last 2 weeks.

This is a great reworking of your budget! As you go along, I’m sure you’ll have moments of “oops, forgot I needed to save for that” or “time to Marie Kondo this category, it’s no longer bringing me joy.” I’ve been using YNAB for years and it’s always a work in progress! 😊

The new budget looks great! You seem a lot more organized and at ease.

On the target, I suspect you had set it up initially where the due date for the target was BEFORE the money actually was spent. When this happens, YNAB counts the spending for the current year, not the prior year. Your best bet honestly is to delete the target and re-create it.

For YNAB target you need to change the date to 2/26/25.

Yay!! Thank you so much 💖 I'm so glad you got the End Of Life Planner, I've been seriously considering that one as well. I think it's a great idea, thank you for reviewing these!

When you cover overspending, cover the categories before you cover the credit card category. If you overspent on credit card, both the category and the credit card card will show overspending. As you cover the overspending in the category, the overspending in the credit card will go down. Also, May gets changed because you started to change April’s overspending.

Use an erasable pen for the book. I use them all the time and love them.

I love Clever Fox! I've been using their notebooks and planners for the past 5 years. 🌷

That amber yellow is amazing 💛 that cover is gorgeous.

My aunt passed away last week so I'm a little behind. Getting caught up soon. Hope all is well with you. 🌷

Like letters in a ransom note. 😂 love it! I think you will like having the due dates and if it's auto payed notes. I also organize by paycheck to simplify it in my head.

That's the beauty of YNAB - make it work for you! I don't date my bills because it's not too many (and I'm neurotic and pay constantly), instead I usually put the amount of it so like "$1500/mo: Rent", "$350/chk: Groceries", etc. On the left where my CCs are, I put it as "4th: CSP", "10th: Cap1", etc.

Yay! I think you are definitely getting better at understanding YNAB! I think on your last YNAB video you were trying to figure out the difference between off/on budget (people in the comments were using those terms including me), If I'm wrong forgive me 😊, but when you look on the bar on the left of YNAB you will see the word BUDGET with a number next to it. If your account is in that list underneath the word budget, then your account is on budget. When you see overspending in red in your categories that means that your overspending was payed with cash on hand(meaning checking account or actual cash) and that needs to be covered first. And if it's not covered then that is why the next month will be negative in ready to assign. When the month rolls over all the overspent categories will be turned to zero and the balance will be moved to ready to assign. When you see overspending in yellow that means your overspending was payed with a credit card. I think for the most part for you this has been credit card interest. If you don't cover the yellow overspending then when the month rolls over the balance will turn to zero and your credit card will have more debt. Keep going! It sounds like you got those transfers down now! Just another tip but you can also pin categories to the top of your budget in the YNAB app, just press and hold on your category and you'll see a little pop up menu. That might be an alternative to the widget, or in addition to.

Yay for facing the budget! You definitely seem more comfortable in YNAB, and it will only get easier the more you use it!

Outside is so nice when there's grass...I miss grass! That was the biggest mind shift, I think, that helped me when I started YNAB. To learn to start checking the budget instead of the bank when you go shopping to see how much money you have. It's how we end up "YNAB Broke" because we feel like we don't have any money when the app says we have $3 in groceries even if we have 5000 in checking and a fully funded emergency fund (which, spoiler, I totally do not! 😂) I will definitely check out his channel, thanks for the recommendation!

Like this outdoors video! Your videos are so relatable! Question: I am researching different tech options what brand/company computer or laptop do you use apple, dell, hp? Also if you watch TH-cam videos do you watch on the computer, phone, or maybe tv like roku? Thanks!