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YNAB is a personal finance and budgeting platform designed to help you manage your money by giving every dollar a job. The acronym stands for "You Need a Budget", and it works like a digital envelope system: You put funds into different categories based on your spending priorities. If you're newer to this type of budgeting, there can be a learning curve, but there are plenty of useful tips and tricks to get the most out of YNAB's philosophy and features.
Assign a small amount into future month to view underfunded categories
By default, YNAB shows your budget only one month ahead of the current month. But as soon as you assign money into the next month, it'll unlock the month after that. This allows you to see targets and any underfunded amounts going into the future, so you can better plan ahead. You don't need to cover a full "month ahead" in order to do this—simply assign a small amount to a category to see what's coming in the future. For example, if it's October, assign a dollar to a category in November to unlock December's budget.
Create a holding category for next month to avoid overspending or overbudgeting for the future
You can take YNAB's "month ahead" approach by assigning available funds directly into future months, so on the first of next month, money is already sitting in categories, ready to be spent. An alternative workflow is to keep extra cash in a holding category ("Next Month's Money," for example) in the current month. When the month rolls over, move that money to Ready to Assign and then distribute it to underfunded categories using the auto-assign feature. This prevents you from overbudgeting for "refill up to" categories that weren't fully spent in the previous month, and makes it easy to cover overspending in the current month without stealing from the future.
Assign reimbursement inflows directly to the "spent" category to keep spending reports accurate
When you receive a reimbursement—such as for a work-related charge, from a friend repaying you for dinner, or a credit back from a return—assign that transaction directly to the category it came from instead of sending it to Ready to Assign first. This ensures that the inflow doesn't look like earned income in your "Income v Expense" report. For example, you can assign a Venmo transaction directly to "Dining" or a store credit to your "Shopping" category.
Separate work charges and reimbursements to keep your personal budget reports accurate
If you do have to pay for work expenses from your personal accounts, create a category specifically for these transactions ("Work Reimbursements," for example). When the charge comes in, enter it in this category and allow it to stay overspent. This shows you at a glance exactly how much your employer owes you, so you can stay on top of reimbursement requests. When those funds are paid back, assign them directly to the Work Reimbursements category to cover the overspending. As with the hack above, this prevents reimbursements from artificially inflating your actual income.
Flag preauthorization charges to avoid recording both pending and cleared transactions
For accounts that sync automatically with your budget, preauthorization charges may appear as pending for a few days before a final transaction clears. In some cases, these totals differ—due to tip amounts being added later, for example—and the preauthorization may not drop off once the actual charge goes through. If you've entered a preauthorization transaction to stay on top of your cash flow, flag it so you don't forget to delete it if the actual charge comes in separately. Tap the flag icon next to the transaction and choose a color specifically for preauthorizations. You can use flags to organize other transaction types, such as charges that need to be reimbursed.
Add gift cards and store credits as on-budget accounts to ensure funds get spent
It's easy to lose track of gift cards and store credits if they're not part of your regular budget, which means those funds may never get spent (and you leave money on the table). But if you add these to your budget as unlinked cash accounts, they'll be visible—and you may be more likely to actually use them. This also keeps your reporting accurate, as you can categorize these transactions just as you would those made with other cash or credit accounts.
Add due dates to category titles and sort by deadline to fund what’s most important first
If you have dozens of categories you're prioritizing and funding over the course of each month, a little bit of organization goes a long way to keeping track of what's most important. YNAB shows you when you need funds based on the targets you've set, but for major bills that have the same deadline each month, you should add the due date to the category title and put your categories in order from earliest to latest. This will offer an easy visual reminder of what you should fund first, second, third, etc. as you have money ready to assign.
Enter recurring bills as scheduled transactions to forecast cash flow
YNAB shows you what your money is assigned to do, but it doesn't show you where your money is or when it will leave your account to cover your bills. This means that categories can be funded, but you can still overdraft if the timing of paychecks and auto-drafts doesn't line up. To avoid this gap with your cash accounts, select View and toggle Show Running Balance on. Then, enter future fixed transactions, such as rent and utilities, with amounts and due dates, as well as fixed paychecks. You can set these as recurring for specific dates or frequencies. This will allow you to know at a glance if your account is expected to dip into the negative with scheduled payments, so you can move funds around to cover.
Cross-check available funds and cleared balances to expose hidden debt
The YNAB method is designed to get you away from credit card "float," which is when you don't have enough cash to cover your total card balance, and paying down current debt is dependent on future income. This may not be obvious in your budget if none of your categories are overspent, but you can compare the "payment available" balance for the card with the cleared negative balance for that same account in the left sidebar to expose hidden debt. If the available payment is less than the current balance, you are on float. If you have funds to spare (from flexible spending categories, for example), you can move money directly to the credit card category to close the gap. Otherwise, you'll need a strategy to gradually pay down the difference.
Install the Toolkit extension to get more customization
YNAB already has fairly detailed reporting, but for users who want even more, the open-source Toolkit for YNAB browser extension adds extra data views, filters, and UI customizations to the platform's web version. For example, you can tweak fonts and progress bars, add buttons and toggles, bulk edit, and enable custom filters and reports. Toolkit is available for Chrome and Firefox, though note that it is not an official offering from YNAB.
