It woild be fun to see a side by side with different people reconciling the same budget and seeing how it could be done differently, but both can be right. I think it could be calming to know you are not messing up the budget if you do it differently than this video.
That was a surprisingly fascinating episode! Ben and Ernie chasing wrong transactions/transfers was like a YNAB escape room. 😂 Well done, I had a lot of fun. 🤩
It was fun to see you guys walk through how you would handle a messy budget. The ones that created the budget did a great job making it tricky and look real life.
One of your nerdiest and yet most educational episodes yet! Talk about getting a real-life look into the consequences of not following the YNAB way in YNAB! Great show, guys! Thanks!
Good job guys!! It took a while but you got there. I was smiling through the whole episode, it was entertaining & educational. I have been there & refused to walk away until I figured it out. Even though it took weeks to clean it up, I found it so much more satisfying to know that ALL my data is accurate. Look forward to seeing an in-depth episode on the inspector.
Man this one was great! It's a very real situation and since I'm about to hit a vacation myself, this made me double check all my accounts to reconcile. I love seeing your approach and validating that I seem to be doing it right
Loved, loved, loved this episode. When Ben mentioned the time it took to reconcile the accounts I had to check the time bar. Did not feel like 45 minutes 😅 Great job guys! 🎉
This was a fun episode! I've helped several people deal with very messy budgets to get everything caught up. This gave some helpful tips in knowing how to best teach / help others through this situation.
Loved this episode. I'm a podcast listener but knew I had to watch this one just to see everything. Great work guys. Also a late congratulations on 100 episodes, hopefully you two are around for a lot longer.
also works in your computer folders ctrl lets you select multiple individually shift lets you select a whole range shift, then ctrl, then ctrl+shift lets you select multiple ranges
In my browser, I've pinned the tabs that I need to look at 1st thing in the morning every day: calendar, tasks, email, YNAB. That way at least one of those things is going to trigger my brain to do my YNAB.
I’ve only been using YNAB for a couple of weeks (I’m still in my trial period), but I was actually able to follow along with you and even caught a couple of things on my own (Carla, I saw you there, girl!). I do sometimes question the fact that this is my idea of fun, ha ha. Thanks for this video. 😊
Give it a bit more time and before long curling up in a cozy blanket with your favorite drink and YNAB will be your preferred Friday-night entertainment 🤣 ~Ernie
I love this idea! It would be great if you could get a volunteer to go through their budget live with you but totally get why folks may not want to! (I will volunteer though my budget is organized.)
That looked like mine after not looking at it for a couple months. I had no idea you could hold down shift to select multiple transactions. That is awesome!
At the 1:04:30 mark about the Disney vacation -- you were wondering why it didn't go back to Ready to Assign. I think you guys assigned it when you did a reset amount button. You have $160.34 in the Disney vacation account so you assigned it there. (When you moved it to ready to assign, that sounds like a good idea since you're not going on vacation for a bit.)
Just reconciled after 6 days. That is tooooo long for me. I hate trying to find the missing transactions (especially since in Australia our accounts are unlinked and my banks put transactions on the date they clear so the order is all different to what I might have in YNAB). Every time it gets messy it reminds me that 5 minutes prevention is worth 30 minutes of cure 💊😝
I reconcile every Monday and every Friday. Once Ben or Ernie said they did that on an old episode of budget nerds, and I thought it was a good idea. I don’t think they still do it that way, but I do 😂. Whenever I have a blip it helps me not get stressed out - I say to myself: whatever it is, you can figure it out, you last reconciled only a few days ago 😂
Great session! Learned a few things. Just wondering as when I search for a missing transaction that did not have correct category, I then double clicked on it and reset appropriate category at that time... never saw the screen where you made the changes before. Thanks again!
To make Ben try and figure out what’s wrong and why it’s not reconciling at 44:45 without showing him the actual bank statement is cruel and unusual punishment 😂 We need to see the bank statements!! You can’t know what’s on it without looking 🏦
I hope you do something like this again. I find I am struggling when I need to decide where to put my money when I don't have enough to cover everything, specifically the true expenses
When you were in the Manage Payee tab at 12:26 it actually had an automatically categorize payee on the right side of the window. (You may have found this later but I haven’t got that far)
I am really surprised how unfamiliar you all seem with how automatic importing and credit card payments work. I've recently had some issues with auto linking and seen this happening. I don't know how people deal with not using importing. Overall, this video was neat to watch. When I was having trouble getting started and understanding how the software worked I was just doing fresh starts. Trying to figure this out would be brutal and not worth any amount of future reporting. Especially for two months worth of spending.
YES, this episode worked (at least for me 😅)!!! So, what do you call a person who has FUN watching someone reconcile bank and credit card accounts for an hour??? A YNABer, I guess 😂🎉
question: We are selling my parrents house and buildings and keeping the farm land. After all the expensive it does not seem like there will be much left over. Should I use that money to pay off as much debt as possible?
I would first consider putting some of that money aside for any larger, less frequent expenses that you have coming up (eg car repairs, property taxes, medical, etc). This will give you stability to then start getting aggressive with your debt. ~Ernie
Right when mine is beginning to get messy! Ha. I am expecting reimbursements, one short term and one that is large and going into next month and is really messing up my fresh new budget
Great episode. Can you rename your income? When I get paid the payee says the company name and date, so every month has a couple of payees. When I do quarterly annual reports, there's a long list. It would be nice to consolidate them. Aside from income, I may transfer in amounts from external bank accounts so there could be a long list. I noticed this budget had no loans (personal, auto, mortgages). I would like to see one that includes some example of with loans. I learned a lot in this video on mistakes I've made and features I didn't know about.
Yes, you can rename those income payees! Click on the name of your budget, select Manage Payees, and then you can combine all of them into one and rename whatever you want. This should also create a renaming rule so that new income gets renamed. support.ynab.com/en_us/how-to-add-edit-and-delete-payees-rkxMu4Skj ~Ernie
If one of the accounts in the transfer is a credit card, it will show as "Payment." That's just to make it a little more intuitive, because often people don't think of payments as transfers. I'm not sure why yours is different. Possibly, it's using the old language, because that's how it was when you first set up YNAB. ~BenB
Yes, just deletes your transaction and budget data. But it will be saved in an archived budget if you ever want to go back and check something out. ~Ernie
I like the soft fresh start they used in the video. When you reset available amounts to zero, it leaves all of your transaction history so your reflect tab stays the same. I love my data so I want to leave all my data in the same budget.
BEST EPISODE YET!!!
I love that you're teaching YNAB, and still learning!
Keep up the hard work!
It woild be fun to see a side by side with different people reconciling the same budget and seeing how it could be done differently, but both can be right. I think it could be calming to know you are not messing up the budget if you do it differently than this video.
The fact that "Carla's fun money" got overlooked so many times KILLS me 😂 This was a fun one, thank y'all!
Oh my goodness...her name is Carla 🤣. I'm just learning this now. I'm actually laughing out loud that we never caught it.
Sorry Carla.
~Ernie
Oh my gosh it's RIGHT THERE! I'm so sorry, Carla. ~BenB
@@YNABofficial My favorite was at 39:31 when looking an HOA category, you're basically hovering over it and reference 'Jimmy and partner' lol
Do more of these please! This was so helpful, and entertaining! ❤
This episode was way more fun than I was expecting! When BenB was like, “Just delete them.”😂
That was a surprisingly fascinating episode! Ben and Ernie chasing wrong transactions/transfers was like a YNAB escape room. 😂 Well done, I had a lot of fun. 🤩
I would totally love if you could download a puzzle like this!
I was just going to say that I feel like I'm watching an escape room. 😄
LOL, a YNAB escape room is the perfect description. ~BenB
It was fun to see you guys walk through how you would handle a messy budget. The ones that created the budget did a great job making it tricky and look real life.
One of your nerdiest and yet most educational episodes yet! Talk about getting a real-life look into the consequences of not following the YNAB way in YNAB! Great show, guys! Thanks!
Haha, this is a YNAB nerd‘s version of a gamer streaming. 😂
OMG yes!! I'm loving it!
They probably should start a YNAB category on Twitch
around 1:05:00ish, Disney category wasn't at $0 because it needed to matchy matchy the Vacation account!
Oh that is so funny. It was like that because we assigned the money there and then forgot that we did! 😂~BenB
Good job guys!! It took a while but you got there. I was smiling through the whole episode, it was entertaining & educational. I have been there & refused to walk away until I figured it out. Even though it took weeks to clean it up, I found it so much more satisfying to know that ALL my data is accurate.
Look forward to seeing an in-depth episode on the inspector.
Man this one was great! It's a very real situation and since I'm about to hit a vacation myself, this made me double check all my accounts to reconcile. I love seeing your approach and validating that I seem to be doing it right
Loved, loved, loved this episode. When Ben mentioned the time it took to reconcile the accounts I had to check the time bar. Did not feel like 45 minutes 😅 Great job guys! 🎉
I'm just crying over the 'shift' key Ernie ;) that was hillarious
If YNAB had a rec league softball team, Shift Key Ernie would be the name on the back of my jersey! ~Ernie
This was a fun episode! I've helped several people deal with very messy budgets to get everything caught up. This gave some helpful tips in knowing how to best teach / help others through this situation.
Loved this episode. I'm a podcast listener but knew I had to watch this one just to see everything.
Great work guys. Also a late congratulations on 100 episodes, hopefully you two are around for a lot longer.
This is me constantly while I’m learning. Thanks for the video.
Time 24:42 No joke 😅that's likely me also!😂 I didn't know about the "Shift" key. ❤
That same trick works in other software such as Excel.
Mind blowing for me as well 😂😂😂
also works in your computer folders
ctrl lets you select multiple individually
shift lets you select a whole range
shift, then ctrl, then ctrl+shift lets you select multiple ranges
I loved this episode!! I even learned a few new tricks. Thanks!!
In my browser, I've pinned the tabs that I need to look at 1st thing in the morning every day: calendar, tasks, email, YNAB. That way at least one of those things is going to trigger my brain to do my YNAB.
I’ve only been using YNAB for a couple of weeks (I’m still in my trial period), but I was actually able to follow along with you and even caught a couple of things on my own (Carla, I saw you there, girl!). I do sometimes question the fact that this is my idea of fun, ha ha. Thanks for this video. 😊
Give it a bit more time and before long curling up in a cozy blanket with your favorite drink and YNAB will be your preferred Friday-night entertainment 🤣 ~Ernie
This was fun. This reminds me of when I first started YNAB😂❤❤
Loved this 😅. I didn’t know about clicking on the cleared button/icon or about choosing multiple transactions at the same time! Thanks! 😃
There it is!!! I got the podcast version at 11pm yesterday...was wondering if yall forgot to upload😅😅😅
It got posted later than normal-sorry! I was waiting on captions 🤦♂️ ~Ernie
thank you, both! you're doing great work
This budget makes me feel great about my own budget ;-)
Great episode! I actually learned a lot.
This was helpful, and I am so glad I learned to trust the budget and consolidate bank accounts some time back
I love this idea! It would be great if you could get a volunteer to go through their budget live with you but totally get why folks may not want to! (I will volunteer though my budget is organized.)
Loved this episode. Hope you do more of these.
All those credit cards give me major anxiety! I got super invested in this 😂 thanks guys, it was good to watch
That looked like mine after not looking at it for a couple months.
I had no idea you could hold down shift to select multiple transactions. That is awesome!
At the 1:04:30 mark about the Disney vacation -- you were wondering why it didn't go back to Ready to Assign. I think you guys assigned it when you did a reset amount button. You have $160.34 in the Disney vacation account so you assigned it there. (When you moved it to ready to assign, that sounds like a good idea since you're not going on vacation for a bit.)
Yeesssssss. Thanks for uploading this one ❤️
Just reconciled after 6 days. That is tooooo long for me. I hate trying to find the missing transactions (especially since in Australia our accounts are unlinked and my banks put transactions on the date they clear so the order is all different to what I might have in YNAB). Every time it gets messy it reminds me that 5 minutes prevention is worth 30 minutes of cure 💊😝
I reconcile every Monday and every Friday. Once Ben or Ernie said they did that on an old episode of budget nerds, and I thought it was a good idea. I don’t think they still do it that way, but I do 😂. Whenever I have a blip it helps me not get stressed out - I say to myself: whatever it is, you can figure it out, you last reconciled only a few days ago 😂
Great session! Learned a few things. Just wondering as when I search for a missing transaction that did not have correct category, I then double clicked on it and reset appropriate category at that time... never saw the screen where you made the changes before. Thanks again!
So awesome! Feels like a detective show... True Budget Detective?
Oh, that would be an awesome spinoff 🤣 ~Ernie
Loved this!!
To make Ben try and figure out what’s wrong and why it’s not reconciling at 44:45 without showing him the actual bank statement is cruel and unusual punishment 😂 We need to see the bank statements!! You can’t know what’s on it without looking 🏦
I hope you do something like this again. I find I am struggling when I need to decide where to put my money when I don't have enough to cover everything, specifically the true expenses
When you were in the Manage Payee tab at 12:26 it actually had an automatically categorize payee on the right side of the window. (You may have found this later but I haven’t got that far)
I am really surprised how unfamiliar you all seem with how automatic importing and credit card payments work. I've recently had some issues with auto linking and seen this happening. I don't know how people deal with not using importing. Overall, this video was neat to watch. When I was having trouble getting started and understanding how the software worked I was just doing fresh starts. Trying to figure this out would be brutal and not worth any amount of future reporting. Especially for two months worth of spending.
OMG. This is giving me massive anxiety 😵💫 But I would be lying if I said my budget hasn’t resembled this more than once 👀😂😂😂
YES, this episode worked (at least for me 😅)!!!
So, what do you call a person who has FUN watching someone reconcile bank and credit card accounts for an hour??? A YNABer, I guess 😂🎉
Should make this a template so weirdos that find this kind of thing fun can follow along at home. 🙃
@@ylyl55 please make it so!
Does anyone else catch themselves saying the intro with Ben and Ernie? 😅
question: We are selling my parrents house and buildings and keeping the farm land. After all the expensive it does not seem like there will be much left over. Should I use that money to pay off as much debt as possible?
I would first consider putting some of that money aside for any larger, less frequent expenses that you have coming up (eg car repairs, property taxes, medical, etc). This will give you stability to then start getting aggressive with your debt. ~Ernie
Right when mine is beginning to get messy! Ha. I am expecting reimbursements, one short term and one that is large and going into next month and is really messing up my fresh new budget
Great episode. Can you rename your income? When I get paid the payee says the company name and date, so every month has a couple of payees. When I do quarterly annual reports, there's a long list. It would be nice to consolidate them. Aside from income, I may transfer in amounts from external bank accounts so there could be a long list. I noticed this budget had no loans (personal, auto, mortgages). I would like to see one that includes some example of with loans. I learned a lot in this video on mistakes I've made and features I didn't know about.
Yes, you can rename those income payees! Click on the name of your budget, select Manage Payees, and then you can combine all of them into one and rename whatever you want. This should also create a renaming rule so that new income gets renamed. support.ynab.com/en_us/how-to-add-edit-and-delete-payees-rkxMu4Skj ~Ernie
Yes, I rename my paychecks. I really don’t think there’s any restrictions on payees you can rename.
thanks hehe
please make something like this again with Investing tracking account recurring investment how to deal with activity a categories
What’s the difference between transfer to Amex and payment to Amex? My YNAB doesn’t have both . It has To/From Amex or whatever account or card.
If one of the accounts in the transfer is a credit card, it will show as "Payment." That's just to make it a little more intuitive, because often people don't think of payments as transfers.
I'm not sure why yours is different. Possibly, it's using the old language, because that's how it was when you first set up YNAB. ~BenB
I enjoyed that too much
We did, too! ~Ernie
Thank you
does fresh start delete the reflect? of past month ect
Yes, just deletes your transaction and budget data. But it will be saved in an archived budget if you ever want to go back and check something out. ~Ernie
I like the soft fresh start they used in the video. When you reset available amounts to zero, it leaves all of your transaction history so your reflect tab stays the same. I love my data so I want to leave all my data in the same budget.
@@NanetteLoves2Budget same hehe thanks I see it and forgot that I can use it
Very helpful!
You pay fees for your credit cards in America?
For some of the premium cards, yes. I know, it's absurd-we pay money to spend money 🤣 ~Ernie
Carla. Her name is Carla.
Poor Carla. 😥 ~BenB
Mine is a disaster! Thank you!
New Budget Nerds feature: coaching real users??
Next you need to find a couple to volunteer for a real coaching session on the podcast