So since I haven't used the template feature at all, I don't understand off the top of my head your directions for that. Getting Started in the New Month. If your buffer is listed in your accounts, couldn’t you pull 5000$ from your emergency fund and call it income for August, then as real money comes in, make it income for September? Lastly, I wanted to say, "thanks" as well for prompting the partially-buffered thinking. ), Combination of Goals/Scheduled transactions/last month's numbers, Next month's area (which is really "last month's numbers" that have been copied before I screw them up by reallocating), I have the honor to be your obedient servant. One of the benefits of the new cloud version of YNAB is the ability to set goals for the future. I also have excess as a buffer and I like pre loading categories for next month. dakinemaui Quick question as I'm about to implement this approach. ... I’ve sent my $1,000.00 of income to my buffer in the next month. Just want to totally clarify as I implement this seemingly complicated yet probably totally simple workflow. Firstly, I don't want to have to do anything when money arrives. I don't. No need to type in the numerical amounts of income when deferring. You can still use the template if you like (and BIF as the surrogate TBB). Essentially now, I lose that planning functionality. It would show your savings as 5000 less, but again, you’d know the difference. , dakinemaui Is the Classic version still on iOS? What I can say is that after migrating to a month ahead philosophy it was a game changer. If you want to budget with every income arrival and then delete the budget entry at the end of the month, that'll work as well. When it's August, the inflated categories you're looking at will be in the then current month (August). This first check won't cover the whole month, and you begin to think you need a … ), Ultimately, one wastes a lot of effort without a template (i.e., some idea of "nominal" numbers) and increases the chance of making errors. If budgeting a full month at a time is important to you, the reasonable choices are to stay with YNAB 4 or to do a workaround to create the effect of Income for Next Month in web based YNAB. That makes sense, the general idea of “this is how it’s done” works in the bigger picture, but I’ve been successfully managing my budget for years in my own way and I choose to continue doing that, so I don’t even include my savings in my ynab. We handle these situations a little differently. I want to budget future checks in the future month. It puts it into the TBB for the current month, and I budget it to the Income for Next Month category in the current month's budget. This would allow me to fully fund all the necessary categories I needed to and make adjustments to not-so-necessary categories so that I don't overspend. It's one of the reasons I'm still using YNAB4. Janet Also, YNAB4 still works fine on phones. [...] YNAB4 would allow me to budget from this future income in August. Unsurprisingly, a workflow optimized for the fully buffered case isn't quite as optimized for the partial case. As it goes, I don't actually use this system (I have a system similar to your own), but thought I'd share in case somebody found it useful. Thanks! Many of us fill an Income for Next Month category with all funds received this month. For anyone following this here, I have more details here: https://support.youneedabudget.com/t/18a4s8/ynab-classic-on-ios. I’ve recently returned to ynab and I’m currently doing both ynab4 and new ynab, the free trial, to compare them so I think I get what you’re saying. It doesn't matter when you receive your next paycheck, you'll know exactly where those dollars are needed as soon as they're in your account. I'm trying to transition from YNAB4 and so far everything seems ok. One possible deal breaker for me is the inability to enter future, known income into the register and allocate my budget categories for the following month based on that income. Some people use a net $0 split transaction which is also effective (and can be automated as long as your income is truly constant -- with interest, etc. You'll have to pry it out of my cold dead hands.... Every inflow gets entered as inflow: to be budgeted, which makes it immediately available to budget. You can use this cycle for any number of paychecks in a month. That is a pretty fair indicator of just how important my classic buffer is to me. I also was coming in with plenty reserves and, what I percieved to be, a solid budget. I want to be able to see how that income is going to be distributed among my budget categories in August. So I'm fine with not doing a "one click budget." This is why I personally prefer the Goals/Scheduled transactions/Last month's numbers Quick Budget method. The drawback is the "Budgeted In " is skewed high during the month (because it also has next month's money until you delete that budget entry). Additionally, the balance of INM is the remaining income you need/expect. I also knew that my wife and I are getting paid which will still let us cover next month prior to. The emoji are for my own amusement (12 hours = 12 months - rather pointless, but couldn't resist!). ), Release the INM money by deleting the current month's budget entry. I know of no one who has tried it both ways that feels pretending to have money leads to better decisions. Some people want to move to next month's area and negative-budget to release the category. How We Budget. Short version: for some of us with bad timing of YNAB Classic usage and updates, it is NOT on our purchase history like it is for other folks. Is the issue the stealing from the future thing, or the income prematurely being sent to the next month? This month, for the first time since using YNAB (almost a year), we had to borrow from next month's income to handle some car repairs. The money received in Aug can then go toward categories in the Sept. area. Janet The template just allows you to fill out the month with your nominal values with a couple clicks. To us the move was well worth the headache of retraining our brains and way of budgeting. Now that another month is over, I want to show you another aspect of how we budget. In time, you won't consider any of this money "extra", as every penny has a purpose. The idea behind it was to potentially buffer several months into the future (for those who like a bit more granularity I guess). Everything should be made as simple as possible, but not simpler -Albert Einstein. Another common use of "extra" money is a loss of income fund if you don't have one. I understand it can be done but is frowned upon. This allowed me to move more of my funds outside of checking and into higher bearing accounts while still having the confidence of being able to spend an entire month's worth of expenses on day 1 and be okay with covering it all. 2) Move forward to what will be the new template area (March), Quick-Budget the budget entries from "last month" i.e., the current template in Feb. 3) Go back to Feb and fix up the budget if necessary -- Make TBB == BIF == $0. As far as the scatteredness of this method, I like how it all pieces together after a couple clicks. Turns out the impact is minor. I said pretending to have. If you need any paychecks that come in during a month to fund even part of that same month, then it won't work. The following workflow achieves all of this. YNAB. What I've been trying to do to build a reliable buffer is just keep setting goals for the amount in Budgeted In Future at the top. Adding Income. These should probably be offsetting adjustments to keep the template total unchanged. Maroon Clarinet Again, it's trivial to inject Monopoly money into nYNAB if you wish. Annieland Yeah, it's harder to describe it than it is to just do it. We budget the entire month at once since we are living on last month’s income. Secondly, I want reports to be accurate. So I want to use this chance to make sure I don't slide backwards, and I totally know how easily monthly monies can mix. You Need a Budget (YNAB) and Mvelopes are … They just want you to go ahead and fund categories next month once you get an inflow rather than putting it in a holding place until you're ready to budget for the next month. dakinemaui Cool! Hi! If you have all of this month's categories covered, and are just waiting for your money to come in, then you can budget the scheduled transactions for income money into a category called Income for Next Month. So fresh budget with starting balance and my paycheck. I should have said the type of template as you laid out where you store a "normal" month's budget in a future month. :-). Janet It's really not that complex. This is very detailed, I appreciate it. Pay off debt, increase retirement contributions, accelerate timelines of some of your savings categories, start making taxable investments. It’s always a trade-off of how granular you want your … Crafty! Instead of being rendered inline (alongside your other categories) its hoisted to the top of the budget; YNAB helpfully empties out the category balance (into "Available to be Budgeted") at the start of each new month (so you don't have to do it manually. You can still benefit greatly from using YNAB even before you are able to live on last month’s income. To do the same thing with the new YNAB, simply date all three inflows for the 1st. You Need a Budget combines easy software with Four Simple Rules to help you quickly gain control of your money, get out of debt, and save more money faster! (Edit: consider zeroing out discretionary categories to add any remaining money in them to the INM funds.). If you have variable income, there are different techniques to employ in order to manage above average and below average months to keep an even keel. It's irritating that we have to do it, but "complex" is not a word I would use to describe the process. Maroon Clarinet I didn't say pretending to spend. The real hangup I have is that while I have the financial ability to COVER those extra categories based on my buffer, YNAB provides no feedback as to the IMPACT those decisions will make. This is in contrast to pushing checks into the budget of the month after that of receipt. Switch back to this month, and the money is still gone from your TBB amount. This week it is at 25 days and I am so happy!! You could still budget money next month even without the fake, upcoming funds. However, YNAB has done "something" to the old app so that "YNAB Classic" is not available to everyone. Within a master group called Buffer, each month of the year has its own sub-category. In the end, the total of the template must not exceed your stable monthly income. You Need A Budget (YNAB) is a budgeting app that helps users control their spending and plan ahead for bills, holidays, insurance and the unexpected. dakinemaui I want to budget future checks in the future month. In simple terms, the budget is the "money plan", and the template is merely the "plan for the budget". Not being able to get this right is actually almost causing me to fall off the budgeting bandwagon. So yes, all the variants to the workflow are merely trying to temporarily hide and then release next month's money. And you need to know what to do in your budget when it does!IMPORTANT! I must say that the workarounds for this are rather complex. To answer your question about "just emptying the INM category," no it doesn't substantially differ. It isn’t exactly how the program is designed, but it works for me. dakinemaui I haven't messed much with templates or goals. The checks are dated August something and are budgeted in the August area. Personal Budgeting Software for Windows, Mac, iOS and Android There are three types of goals in YNAB: Plan Your Spending, Build Your Savings, andCredit Card goals. Check out this article about Funds. I also want to make sure I’m not spending more of “July’s money” than the total monies will receive in August - hence why I plan August’s budget with August’s income despite the fact we are really spending July dollars. This is what the “purchased” list looks like. I also enjoy the once over period where I put the "finishing" touches on my master plan for that month. However, it's your foot. Think of it this way: YNAB 4's "Income for Next Month" category is just like any other (user-managed) category with two small differences: You can recreate that same workflow with minimal effort -- less than a minute of extra clicking each month. That's prone to errors when there is newly arriving money sitting in TBB by the time you get around to releasing the funds.). dakinemaui Good point. If you’re looking for an alternative to You Need a Budget (YNAB), you’re in the right place. The reason is that YNAB still allows you to categorize and spend those funds this month, and unless you go to next month's budget, you would never know … As you build INM, just add more budget entries to the template to consume the additional money. I kept the emergency fund alone and instead built up on the side. Basing spending decisions on inflated categories is most definitely not recommended in either version. One or more categories are not backed by spendable cash. I mean, I think in reality its six to one and half dozen to the other. Falco Lombardi Next month is more than sufficient. Follow YNAB to get support and lots of great ideas on budgeting. 2) Both TBB and BIF should be $0 during most of the month. No you are supposed to assign income for this month into next month. Superbone Yes, after emptying the single INM category prior to budgeting the month, it's conveniently empty and ready to accept newly arriving income. Life is good. But I'm trying to be really strict now and planned to just dump INM at the end of the month. So lets say in YNAB Budget September shows $4000 "available to budget". Switch to next month, then budget the money ahead. By budgeting income you did not actually have, you basically had Monopoly money in your categories. Alemap No, I budget all of it it in the month it is intended to be budgeted in. Reports are accurate (income show up in the correct month in the income section). Kroneg Unfortunately that means you are out of luck. For me, i found how to work it my way.. but.. the way you mentioned this, I'd like to know how you would do this? When income arrives, use it to fill out as much of current month categories as possible. Superbone In my view, you're using scheduled transactions, any goals, and last month's numbers as the template. bret I think I need to go learn about the template feature that I haven't used yet, and then what didn't make sense and therefore seemed "complex" will make perfect sense and no longer seem complex. There's an easy way to manage projected income, but only if you were using Income for feature in YNAB 4 for all your paycheck income and also don't need to rely on non-paycheck income to fund your budget. I see what you're saying. I know it’s there, but I prefer to budget off my fixed income. However, there's a lot of ways to do that, each with various side effects. 1) Release funds by recategorizing transactions as TBB. There is simply no need to budget income you don't have. I enter those future payments into their respective accounts and they are all flagged as "Schedule Transactions" in the register. If something needs money, then feel free to reallocate from any category of lower priority with funds. Maybe you're saving for a vacation, pay a bill twice a year, or you’re planning for Christmas (hint: It comes in December this year). :-) The template is simply your nominal numbers for the month. Kroneg the only way to get YNAB Classic for an iOS device is through your purchase history. I also like seeing where spending more on clothes might change how much I can spend on dining out or savings or whatever. From that $3k I populate all mandatory categories. I like this one the best: I created a Master Group and a subcategory for next month's income. Thanks for your engagement in the thread, very helpful! Then as funds come in, they’ll fill in your budget until To be Budgeted is back to 0 by the time the month arrives. For example, let's say of my $5000 monthly income I receive $3000 comes in on August 1st. I 100% do not want to steal from the future I want to plan for it. . Maybe I do the template thing without even meaning to, but I do like fiddling with my budget often, and keep making little plans and goals for myself with different categories. FWIW, you can use a partial template as you build the INM. With the new YNAB it's always been very tempting for me to just WAM from this month's income. The fact there are budget entries next month mean they will suck up anything that would ordinarily go to the current month's TBB (e.g., when WAMing). I just checked and had zero problem finding it in my list of purchased apps and downloading it to this iPad, even though I’ve never had Classic on this actual iPad. Then at the beginning of the month, you can budget it all out. I had YNAB Classic on my phone as recently as Jan 2017, but nothing is showing up under purchased except the new online version. I'm certain I can go and start learning about the templates and that your explanation of them will make perfect sense, it's just that I don't have that knowledge yet. More simple to have one large TBB to allocate instead of income fundamentally split between this month and next month. If you need any paychecks that come in during a month to fund even part of that same month, then it won't work. I do wish you the best of luck regardless of whichever path you decide to pursue. I've advocated and put in a feature request for a template goal type that doesn't complain when you move funds around after the initial application like the current Monthly Goal does. When I'm ready to budget all of next month in one sitting (after the receipt of my month-end salary deposit), I then revise the budgeted for this category to zero, releasing all funds back to TBB, click forward to next month, and budget the next month until TBB is zero. It just seems like you're overcomplicating things for limited benefit. (Assume January is the current month. In YNAB 4 when you enter income you choose either “Income for [current month]” or “Income for [next month].” If you choose next month, that money moves over into the next month’s “available to budget” total. My budget is fully buffered, and with the classic YNAB I used to just hit the "Income for next month" all the time, and then at the beginning of the month I would take all the income from August, and put it into September's categories. I'm doing exactly that. I have rent and lot fees on the 1st and Electric on the 4th. dakinemaui I'm not pretending to spend money I don't have. For example, I know that I am going to receive $5,000 salary in August. A template answers the question, "what are you going to do when you budget?". That's easily worked around by using BIF as a surrogate for TBB. To enforce a sense of scarcity that encourages priority-based spending decisions. . I also don't want it to accidentally mix when WAMing during the month. That amount is split into 3 transactions that occur on 8/1, 8/7, and 8/21. I suppose it is safer to remove the feature for new users, because if you aren't careful you can get yourself into a pickle - but ultimately I think you should be able to make those decisions for yourself. Is this the way it is, and if so what's the logic for removing this feature? I then set my budget up for next month - I'll be using Bday cash for the remainder of September. What this change, and the work-a-round that has been suggested does is force me into a situation where my budget register isn't reflective of real life credits/debits. As soon as you’ve received your last paycheck, you can release those funds and budget the entire month. But it costs $84 per year. Truth be told, we need to increase that budget #. dakinemaui Wow! Now, I can't do that. nolesrule It was one of the reasons I was hesitant to switch, but I find that without an app on my phone I make poor choices in the "dining out" and "grocery" categories. I personally only want to budget one month ahead. Direct categorization into the INM category keeps me out of it and prevents it from mixing if I am mucking about WAMing. Copy these numbers forward one more month for safe keeping (i.e., the template). I'm going to have to spend some time with it and try it and see how it works for me. It takes all of 5 minutes at the most. 9/7/13 was the first day I used YNAB, so you’ll need to think about when you would’ve first downloaded the app and scroll down until you reach that date. Impossible to steal from the future (without benefit of the Toolkit Extension or always having to scroll around the Move Money dialog), Retain the benefits of a zero-based TBB (e.g., error detection). You can fill in next month's budget as soon as you have income for the month. I also would say that since moving to ynab we have found the "goals" to be very appealing and has allowed us to take our budget to the next level. Annieland In thinking about the partially buffered situation, I think doing the "catch & release" via budget entries is better until you're fully buffered. You don't need any of this month's money until next month, and by then you will have already received it. It’s an exhilarating feeling, really. It’s July. I don't budget anything into the future until I get the entire month's income. That's exactly what's going on if you forget about the template stuff. It's the side effects that have led me to what I described earlier. There are aspects of ynab that are very hard to achieve with msmoney and other software. Rent, groceries, utilities, car payments - all the fixed costs that I have to pay. We have been very happy (minus a few aspects though nothing is perfect) now and have not looked back. Make sure that you delete this budget entry when Feb arrives; it's only used in the template. I wouldn't base your decision on that perceived limitation. Deleting that budget entry in the current month is a good option in that case. There will simply be a certain level of importance or priority associated with everything for which you're saving (category). Budget money this month. My income situation is solid, I have several months of "buffer" and have been using YNAB successfully for years. I just don't see the point of pretending otherwise. All are valid uses of this "extra" money. When I followed this forum years ago I found that the advice offered wasn’t always flexible. The manner in which you "store" them is a personal call, each with its own pros & cons. The first is what I'm talking about doing. jenmas I did that, and then contacted Apple support - in their words the app "has been modified or removed and is no longer available". Suddenly I have $7.51 budgeted to next month, and huh??? As the paychecks come in, the category will be populated, and when the last check is in, you can budget the entire amount into next month's categories. Others will come along with instructions on workarounds to be able to nearly replicate the functionality in the new YNAB. With YNAB4, if you put the money as "Income for " instead of "Income for ", then any money that was budgeted ahead of this month would still be available to budget in this month. Falco Lombardi It seems overly complicated. They removed this functionality basically to stop people from doing what you were doing. There are a couple ways to put money into the category as well as "release" them. With the old way YNAB worked I was able to PLAN for my expenditures based on that income and see it reflected in the budget immediately. In brief, don't hold your breath waiting for Income for Next Month to return to web-based YNAB. But to be fair, ynab almost became a 4 letter word in my household as I kept trying to push msmoney into ynab instead of ynab into my budget. The easiest way around this is to get one month ahead on your budget (meaning you have one month salary available at all times). Superbone No, I believe the OP wants to budget future checks in the *current* month. jenmas No, the purchase is "there" - Apple support verified my purchase. Paycheck #1. Etc. 2. Superbone Not sure I would call it complicated, but each to their own. The remaining $2k of my monthly income will come as income on 8/7 and 8/21. Find the “Just Right” Amount of Categories. If you need to make "permanent" adjustments as well, flip to next month and adjust the template numbers. If you have an Android device, there is some link floating around the forum that will allow you to load it. Associated with everything for which you '' store '' them is a manual effort that takes 10 seconds once month... 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