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Hi I am in desperate need of some help. I am in the "free trial" phase of YNAB still but am having some troubles. I will let you know first that I am an Excel spreadsheet user, but it is overwhelming for my husband so we are trying out YNAB at the suggestion of our financial planner.
Here is the issue(s) I am running into and cannot seem to come up with a solution.
In my budget I have 2 separate savings accounts (I have been living rules 1-3 for the last 16 years, imagine that lol) these accounts are where I put my Rainy Day Savings and I want to continue to move money out of my checking account and into savings, I get worried about the "green monster" inside of me when I see the register balance - remember I haven't "moved over" to being a 100% YNABer, even if we go with the software it will take some time for me to change some habits I have, they are great but they don't follow YNAB.......anyways I want to move money out of my "budget" and into savings BUT I also want to see the balance amount in a certain category grow - example:
daughters college rent (current balance is $4246.00)
I want to add $197.40 to that balance in the sub category (my budget) while also taking it out of checking and putting it into savings (moving money out of checking).
When I put the transaction into my checking account it reduces the category total by $197.40 instead of increasing it.
Also I am wondering if I should put the balance I am "working towards" in the sub category instead of the current balance I have?
I am on day 29 of my free trial - I am sure this won't be my last question either
Thanks in advance - I appreciate any and all help.
p.s. I am hoping I can "learn" this program, remember I have an Excel brain, as it will help my husband be more involved in our finances, not that he is not a true champ already mind you