But I pay my bills bimonthly. By Date: Budget and spend up to this amount by a given date. Love it!! Many YNABers prefer to set up unlinked accounts and enter their transactions themselves or import a file from their bank. So, since we are all on the same page—let’s do this! I set up my mortgage as a tracking account. If you have gotten this far, you know you need a budget. Because most months for most people are very similar month to month. YNAB can't make you spend less money or magically create more money in your budget. We get into the nitty gritty of how to set up your YNAB budget: from adding accounts to setting up categories. I have to say that this would not have worked for me, so luckily the goals features were not available to me in the earlier version of YNAB, when I began using the software. We get into the nitty gritty of how to set up your YNAB budget: from adding accounts to setting up categories. Before I walk you through the nitty gritty of how I manage that, I want you to know, you do NOT need to add a tracking account. Before it does this, YNAB will save a copy of your current budget. I like the suggestion dakinemaui gave you. It's absolutely clear that they've thought through this big time! I have the luxury now to know that my essentials are covered and I have prioritized my spending for future things. No matter whether you use YNAB or not, at the end of the day, the only way to get ahead is to spend less than you make. :) Another idea (if you're like me and prefer to keep higher level categories instead of more granular categories) might be to set up a big category like "Subscriptions" and use Scheduled Transactions to keep on top of it. Hi Aquamarine Memory !. YNAB can provide you with clarity on whether your spending is reflecting your values or information on where you are coming up short. I’ve tried YNAB in the past, watched YouTube videos, tutorials and just cannot get it. - Click on the name of your budget in the upper left-hand corner of your screen. I break my monthly bills in half and pay the first set of bills at the 2nd week of the month and the last set of bills during the last week of the month. I get paid weekly. For example, set a goal to budget $1000 for Christmas gifts by December and spend from those budgeted funds each time you purchase a gift leading up to that date. And, obviously, we know you need a budget. YNAB will prompt you to budget a … So, since we are all on the same page—let’s do this! Hi, Martin! You can set up your budget, add transactions, roll with the punches, and begin to live with your budget. By setting them up in YNAB once you have the month to month set up, the quick budget by goals is awesome. We get into the nitty gritty of how to set up your YNAB budget: from adding accounts to setting up categories. The most important thing you can do is budget for the payment and then make the payment. Don’t be afraid to change numbers and update your budget as you go. YNAB will pull in the balance as of today, and all future transactions. If you don’t want to connect directly to your bank, you can set up an unlinked account. And, obviously, we know you need a budget. And, obviously, we know you need a budget. If you have gotten this far, you know you need a budget. So, since we are all on the same page—let’s do this! You now have the basics of YNAB under your belt. If you have gotten this far, you know you need a budget. Yes, you can. There seems to be an emphasis on setting goals from day # 1 in YNAB. The Fresh Start feature will allow you to keep your categories, goals, and scheduled transactions, but clear out all budgeting and transaction history.