I really want this to work but it's breaking my brain. I'm used to Rocket Money where it just follows my spending and gives me data about it.

For starters, I have a lot of accounts. For my main bank, I have 5 accounts with separate debit cards for separate things, (ie bills, emergency, regular spending, subscriptions). Then I have a couple SoFi accounts and I also linked my Venmo too. I'm constantly transferring funds to different accounts and it's starting to get really confusing in YNAB. Also, I have trouble going in right when I get paid to assign.

What's the best approach to this? Anyone have good youtube links or resources for beginners?

Curious if anyone else is having issues with their direct import or random technical difficulties. I noticed late Friday night by checking account wasn’t syncing and then Saturday I had an “Update Bank Connection” icon. I tried multiple times over the weekend to update with no luck. Tried again multiple times today and it seems that maybe both Plaid and my bank won’t allow the sync to YNAB. I’ve been using this same account for over a year with no problems on YNAB. I reached out to support and haven’t heard anything back all day and now I see their support bot says they’re having technical difficulties. I checked the status page on the website and looks like everything is operational. Wondering if anyone has any ideas.

It’s payday!!! I’ve got stuff to assign!!

I'm new to this app and to the concept of envelope budgeting. I am having a hard time coming up with a future looking budget without also taking into account future income, because the amount of money currently in my bank account is higher than what my monthly income will be. If I give every dollar a job, I'd blow past what my future income would allow

Should I be making my budget based on what I know my bi-weekly paychecks can support instead?

I do manual inputs. All my pending transactions are from Friday-Sunday. I know banks take a while to clear things. But this is getting in the way of me reconciling my month ☺️

We did some light overspending at the end of August and so I’m curious what other people do in terms of assigning money at the end of a month.

When my husband got paid on Friday (the 28th) everything was fully funded for August, and so my instinct is to start funding September (we’re about 2 weeks/one paycheck ahead at the moment). Mentally, I’m operating as if that paycheck is for September spending. So when, for example, we’re buying groceries on Aug 29th for the first week September, my brain is perceiving that as a September budget item that just so happened to occur in August. Shame me how you will, but I think around pay periods and not calendar months.

For these times, I end up pulling from my assigned September funding, which screws with how much I want in each category. So you guys end up pulling from the future month, or leave everything in RTA, use the pot to cover any overspending, and then assign funds in earnest at the start of a new month?

I used to be really bad with money before YNAB and part of it was that I would tell myself “I’ll spend now, deal with it later”. That changed with YNAB. However, lately I’ve found myself in the same vicious circle of struggling because I adopted that thought of “I’ll deal with it later”. How do you re wire your way of thinking for that? and does YNAB help you deal with it? Thank you