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1
 YNAB
Version 4
Updated December 10, 2008
Copyright © 2004-2007 You Need A Budget, Inc.
 
Table of Contents
............................................................................................................Introduction 4..........Quickstart: The Page to Read if you Don’t Want to Read the Entire Guide 5.............................................................................................Some Terms Defined 6................................................................................................................Budget 6................................................................................................................Inflows 6.............................................................................................................Outflows 7...............................................................................Credit Card Transactions 7............................................Reimbursable Expenses, Returns and Rebates 8.................................................................................................Available Money 9.........................................................................................................Categories 9............................................................................................Savings Categories 9......................................................................................................Retirement 9............................................................................................Everything Else 10...............................................................................TheFlow of Money in YNAB 11...........................................................TheRules of Healthy, Intuitive Cash Flow 12.................................................Rule One: Stop Living Paycheck to Paycheck 12...................................................................................How Rule One Works 12.................................................................Variable Income Under Rule One 12........................................Advantages of Operating with Rule One in Place 12...................................................................How do I Implement Rule One? 13..................................................................Rule Two: Give Every Dollar a Job 15...............................................The Wisdom of Bossing Your Money Around 15................................When Your “Employees” Force You to Face the Music 16.........................................................................The Mechanics of Rule Two 17...............................................................................Budgeting and Marriage 18....................................................................The “Flexibility” of Your Budget 18..................................................................Rule Three: Save for a Rainy Day 18................................................................................How Rule Three Works 19.............................................................Examples of Rainy Day Fund Uses 19....................................................Rainy Day Funds that are only Estimable 19..............................................Starting YNAB with Bills Due (or due shortly) 20...............................................................................Rule Three in a Nutshell 20............................................................Rule Four: Just Roll with the Punches 20.....................................................The Advantages of Living with Rule Four 20..........................................................................A Summary of the Four Rules 21......................................................................................................Rule One 21......................................................................................................Rule Two 21....................................................................................................Rule Three 21.....................................................................................................Rule Four 22.................................................Why YNAB and “Traditional” Software Don’t Mix 22....................Why Balancing Your Checkbook may be a Royal Waste of Time 22.................................................................Traditional Checkbook Balancing 222
 
......................................How the Rules Ensure Your (Overdraft) Protection 23...............If I Don’t Need to Balance a Checkbook, What Do I Need to Do? 23...................................................................................................FAQ: General 24..............Is it counterproductive to go back and adjust budgeted amounts? 24.........................How do you handle Flexible Spending Accounts in YNAB? 24.............I'm paid on the last day of the month. Do I already have a buffer? 25.................Wouldn't the buffer be put to better use paying off credit cards? 25.......................................What do I do with the occasional third paycheck? 26.......................................How can I check what I should have in the bank? 26...............What can you suggest for those of us that work on commission? 26........................................................Can I use cash envelopes with YNAB? 26..........................................Where do you physically keep rainy day funds? 27...................................How do I record cash taken from my bank account? 27...........................................................................................................Conclusion 27...................................................................................................................YNAB 27.........................................................................................General Information 27.......................................................................................Changing Formatting 28....................................................................................................The Register 28......................................................................................................The Budget 28..........................................................................................................Overview 29....................................................................................................Categories 29........................................................................................Income Statement 29..........................................................................................................Budget 29.................................................................Using YNAB for the Following Year 29.....................................................................................................FAQ: YNAB 30......................................How can I keep track of notes to myself in YNAB? 30....................................................How do I get rid of the yellow text boxes? 31................................................................Can I add other sheets to YNAB? 31....................................Why have some of the Register lines disappeared? 31.................................I’m seeing “#####” instead of the value in cell. Why? 313
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