![]() ![]() You may now resume your normal activities. Now I know people can edit it and add budgeting categories to their hearts content ( and I have a great suggestion for how to that here) but Retirement Savings and Emergency Fund should be a default option in YNAB. Savings, Retirement, Emergency Fund, etc should be DEFAULT categorits under a master Savings Category Group to get people thinking about doing it if they aren't already. Savings is one of the entire reasons for budgeting! People in the United States are chronically not saving enough for retirement. No Retirement Savings, No General Investing, no Mortgage Principal Pre-Payment, no College Savings. SAVINGS! That's right! There's NO SAVINGS above. Joy in Living (dining out, giving, fun money) Savings (1k baby emergency, category for 3 month expenses) Wish List. The default budgeting category groups and categories are the following:ĭo you notice anything that is missing? Something that is GLARINGLY OBVIOUS? Something that should DEFINITELY BE THERE? (especially in a BUDGETING app!) I was curious what are your main categories for your budget And secondly, what are your yearly expenses that you didnt budget for prior to YNAB I have: True Expenses. but there is one glaringly HUGE FLAW in the default YNAB budgeting categories. Rule 1: Give every dollar a job. YNAB is solely a budgeting app, and it was built on a few seemingly simple rules. What? I'm badmouthing YNAB? The best budgeting or personal finance software out there? That's impossible!īut yes it is. It was founded in 2004 after real-life couple Jesse and Julie Mecham realized they needed a better system to budget their money.
0 Comments
Leave a Reply. |