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Crafty! However, YNAB has done "something" to the old app so that "YNAB Classic" is not available to everyone. More simple to have one large TBB to allocate instead of income fundamentally split between this month and next month. I use ynab strictly to see what I’m spending where in real time and to make sure I stay within my monthly fixed income. To us the move was well worth the headache of retraining our brains and way of budgeting. When income arrives, use it to fill out as much of current month categories as possible. I had YNAB Classic on my phone as recently as Jan 2017, but nothing is showing up under purchased except the new online version. Maroon Clarinet Again, it's trivial to inject Monopoly money into nYNAB if you wish. Annieland  Including the template capability is something I greatly value because a) the month turnover only requires a couple clicks, b) it yields a convenient reference of the nominal numbers, c) I also get a total, which I know better fit within my expected income, and d) doesn't nag me if I choose to WAM. Budget for every dollar with this detailed app from You Need a Budget. You do the same at the beginning of next month when you want to budget these dollars: two clicks. I also would say that since moving to ynab we have found the "goals" to be very appealing and has allowed us to take our budget to the next level. A holding category, deferred income (however one says it) does not work in a similar manner to "Income next month". This budgeting software offers a lot of amazing features – it safely syncs to all of your bank accounts, updates in real-time so you can track and manage on the go (even from a cell phone), includes debt paydown and goal tracking tools, and offers some great reports and analytics on income and expenses. That is why I said "perceived". I also knew that my wife and I are getting paid which will still let us cover next month prior to. You can still use the template if you like (and BIF as the surrogate TBB). The easiest way around this is to get one month ahead on your budget (meaning you have one month salary available at all times). Superbone No, I believe the OP wants to budget future checks in the *current* month. There's an easy way to manage projected income, but only if you were using Income for feature in YNAB 4 for all your paycheck income and also don't need to rely on non-paycheck income to fund your budget. dakinemaui I want to budget future checks in the future month. I know of no one who has tried it both ways that feels pretending to have money leads to better decisions. It isn’t exactly how the program is designed, but it works for me. What this change, and the work-a-round that has been suggested does is force me into a situation where my budget register isn't reflective of real life credits/debits. You could still budget money next month even without the fake, upcoming funds. The remaining $2k of my monthly income will come as income on 8/7 and 8/21. Unsurprisingly, a workflow optimized for the fully buffered case isn't quite as optimized for the partial case. bret I think I need to go learn about the template feature that I haven't used yet, and then what didn't make sense and therefore seemed "complex" will make perfect sense and no longer seem complex. (The use of Goals to implement a template budget is unacceptable to me because I do WAM during the month, resulting in yellow categories -- yuck. With YNAB4, if you put the money as "Income for " instead of "Income for ", then any money that was budgeted ahead of this month would still be available to budget in this month. When I'm ready to budget all of next month in one sitting (after the receipt of my month-end salary deposit), I then revise the budgeted for this category to zero, releasing all funds back to TBB, click forward to next month, and budget the next month until TBB is zero. The manner in which they do those two things impact other things like effort, likelihood of making a mistake, reports, headers, and so forth. The checks are dated August something and are budgeted in the August area. With the old way YNAB worked I was able to PLAN for my expenditures based on that income and see it reflected in the budget immediately. So I like this more fail safe approach where I can mess around and still see $0.00's for this month and next. I have rent and lot fees on the 1st and Electric on the 4th. (If you are familiar with YNAB, you’ll know that when your Age of Money reaches 30 days, you have reached the goal of living on last month’s income.) The YNAB method is based on working with the funds that you actually have right now, not the funds you are planning on receiving. No need to type in the numerical amounts of income when deferring. I was very frustrated with not being able to project a "month ahead" from the 1st even though I had not received all checks for that month. 9/7/13 was the first day I used YNAB, so you’ll need to think about when you would’ve first downloaded the app and scroll down until you reach that date. jenmas I did that, and then contacted Apple support - in their words the app "has been modified or removed and is no longer available". However, it's your foot. Many of us fill an Income for Next Month category with all funds received this month. There will simply be a certain level of importance or priority associated with everything for which you're saving (category). ), Release the INM money by deleting the current month's budget entry. Essentially now, I lose that planning functionality. Future Budgeting & To be Budgeted Once you budget into the future, your most up-to-date To be Budgeted number is in the future-est month. In the end, the total of the template must not exceed your stable monthly income. (I'm just a little too OCD to have them scattered about like that! It will be the current month from the standpoint of those checks. (You certainly can put it in with budget entries instead, but manually budgeting with every income arrival gets old quickly, so the automatic approach (via categorization) is easier and less error prone.). A template answers the question, "what are you going to do when you budget?". YNAB has built-in tools — Scheduled Transactions and Goals — that will help you plan for this month, and all the months to come. This week it is at 25 days and I am so happy!! From that $3k I populate all mandatory categories. They removed this functionality basically to stop people from doing what you were doing. Still, the best practice is to budget next month with this month’s funds. With YNAB4 you could do that, now you can’t. Firstly, I don't want to have to do anything when money arrives. If you need any paychecks that come in during a month to fund even part of that same month, then it won't work. Switch back to this month, and the money is still gone from your TBB amount. Doing it this way creates the sense of stability I need. Current spending plan to be available WITHOUT flipping back and forth between months. You Need a Budget!. Maroon Clarinet I didn't say pretending to spend. The drawback is the "Budgeted In " is skewed high during the month (because it also has next month's money until you delete that budget entry). If your buffer is listed in your accounts, couldn’t you pull 5000$ from your emergency fund and call it income for August, then as real money comes in, make it income for September? If you choose to follow the official methodology of new YNAB, you must budget your income every time you receive it, whether that is once a month, twice a month, or 16 times in a month. I’ve been closely following YNAB as it’s evolved over the last few years. For those who are new here, the tool we use … As it goes, I don't actually use this system (I have a system similar to your own), but thought I'd share in case somebody found it useful. This methodology is forcing me to tap into buffer funds that I have without realizing the impact to my total net worth that these spending decisions are going to make. I personally only want to budget one month ahead. Everything should be made as simple as possible, but not simpler -Albert Einstein. Keep a template budget in next month's area for vastly reduced effort and easy reference/adjustment throughout the month. Find the “Just Right” Amount of Categories. The web-based version now enforces this part of the methodology by preventing this type of future transaction. I just use the Quick Budget underfunded and budgeted last month features and then make a quick once through and make adjustments. Kroneg Unfortunately that means you are out of luck. Maybe you're saving for a vacation, pay a bill twice a year, or you’re planning for Christmas (hint: It comes in December this year). In time, you won't consider any of this money "extra", as every penny has a purpose. You Need a Budget combines easy software with Four Simple Rules to help you quickly gain control of your money, get out of debt, and save more money faster! I have used the above solution for buffering. Personal Budgeting Software for Windows, Mac, iOS and Android That's exactly what's going on if you forget about the template stuff. Annieland Yeah, it's harder to describe it than it is to just do it. So lets say in YNAB Budget September shows $4000 "available to budget". Follow YNAB to get support and lots of great ideas on budgeting. To answer your question about "just emptying the INM category," no it doesn't substantially differ. The only looming issue is the desktop software won't run on the Mac after the next update. . So if your income is deposited into your checking account at the bank, it will be entered into your checking account in YNAB. I just checked and had zero problem finding it in my list of purchased apps and downloading it to this iPad, even though I’ve never had Classic on this actual iPad. Ultimately it will probably mean I won't migrate to nYNAB, but oh well. My budget is fully buffered, and with the classic YNAB I used to just hit the "Income for next month" all the time, and then at the beginning of the month I would take all the income from August, and put it into September's categories. After reading some other threads on the forums it seems that this has definitely come up before. :-) The template is simply your nominal numbers for the month. Imagine it's early in your second month of budgeting and you just received the first of two checks for the month. what's the logic for removing this feature? That's prone to errors when there is newly arriving money sitting in TBB by the time you get around to releasing the funds.). No exceptions. Budget money this month. So this will be interesting as the month turns over... :). Copy these numbers forward one more month for safe keeping (i.e., the template). My income situation is solid, I have several months of "buffer" and have been using YNAB successfully for years. I'm guessing it was something to do with some update at some point that changed the app enough that Apple considers it a "new" app and I never got the "new" version of Classic. Simplifi by Quicken is our new top pick for the best budgeting app for most people. Some people want to move to next month's area and negative-budget to release the category. This would allow me to fully fund all the necessary categories I needed to and make adjustments to not-so-necessary categories so that I don't overspend. That is a pretty fair indicator of just how important my classic buffer is to me. I do wish you the best of luck regardless of whichever path you decide to pursue. It’s July. There are three types of goals in YNAB: Plan Your Spending, Build Your Savings, andCredit Card goals. As the paychecks come in, the category will be populated, and when the last check is in, you can budget the entire amount into next month's categories. The manner in which you "store" them is a personal call, each with its own pros & cons. So what gives here? 2. Superbone In my view, you're using scheduled transactions, any goals, and last month's numbers as the template. There is simply no need to budget income you don't have. The emoji are for my own amusement (12 hours = 12 months - rather pointless, but couldn't resist!). I also like seeing where spending more on clothes might change how much I can spend on dining out or savings or whatever. Move forward a month and ensure TBB = $0 (will be necessary if you've made progress, so yea!). Thanks! All are valid uses of this "extra" money. I suppose I can understand the logic of enforcing scarcity for those who may have a more volatile income stream, but that's not my use case. Hi! I never used YNAB 4 so am not familiar with this feature, but the work around is simply waiting. So it might not be a quick thing to get a month ahead, but if you stick with YNAB, and really commit to it, this can happen eventually. Superbone Yes, after emptying the single INM category prior to budgeting the month, it's conveniently empty and ready to accept newly arriving income. Since you have ample reserves, why not use YNAB as recommended? The first of the four YNAB rules is “Give every dollar a job.” Our budget tells us where we plan to spend our money. Short version: for some of us with bad timing of YNAB Classic usage and updates, it is NOT on our purchase history like it is for other folks. dakinemaui  Wow! This allowed me to move more of my funds outside of checking and into higher bearing accounts while still having the confidence of being able to spend an entire month's worth of expenses on day 1 and be okay with covering it all. This is in contrast to pushing checks into the budget of the month after that of receipt. Has anyone found a work-a-round? With the new YNAB it's always been very tempting for me to just WAM from this month's income. I totally get you, because I've been trying to get "fully buffered" for the past 4 years (since YNAB4)  and get befuddled why I never seem to send an entire month's income to the next. I know I’m getting paid in August. I know it’s there, but I prefer to budget off my fixed income. Kroneg the only way to get YNAB Classic for an iOS device is through your purchase history. I’ve recently returned to ynab and I’m currently doing both ynab4 and new ynab, the free trial, to compare them so I think I get what you’re saying. If I look at August in YNAB I simply see that my To Be Budgeted category is  deeply in the red despite those scheduled transactions coming in. And you need to know what to do in your budget when it does!IMPORTANT! Then there's the "when" aspect (this/next month) to the "catch" and "release" actions. Any income you receive will be entered into the same account in YNAB that it was deposited to in real life. I've advocated and put in a feature request for a template goal type that doesn't complain when you move funds around after the initial application like the current Monthly Goal does. Then at the beginning of the month, you can budget it all out. It's primarily a time saving device. Previously, YNAB4 would allow me to budget from this future income in August. For example, I know that I am going to receive $5,000 salary in August. Pay off debt, increase retirement contributions, accelerate timelines of some of your savings categories, start making taxable investments. That makes sense, the general idea of “this is how it’s done” works in the bigger picture, but I’ve been successfully managing my budget for years in my own way and I choose to continue doing that, so I don’t even include my savings in my ynab. For me, i found how to work it my way.. but.. the way you mentioned this, I'd like to know how you would do this? Check out this article about Funds. Instead of being rendered inline (alongside your other categories) its hoisted to the top of the budget; YNAB helpfully empties out the category balance (into "Available to be Budgeted") at the start of each new month (so you don't have to do it manually. If something needs money, then feel free to reallocate from any category of lower priority with funds. We budget the entire month at once since we are living on last month’s income. Not being able to get this right is actually almost causing me to fall off the budgeting bandwagon. To do the same thing with the new YNAB, simply date all three inflows for the 1st. Think of it this way: YNAB 4's "Income for Next Month" category is just like any other (user-managed) category with two small differences: You can recreate that same workflow with minimal effort -- less than a minute of extra clicking each month. I suppose it is safer to remove the feature for new users, because if you aren't careful you can get yourself into a pickle - but ultimately I think you should be able to make those decisions for yourself. (Either version, for that matter.) I'm doing exactly that. I actually don't have a template set up, and only one goal. This month, for the first time since using YNAB (almost a year), we had to borrow from next month's income to handle some car repairs. I remember when it transitions to a monthly service. Life is good. dakinemaui  I haven't messed much with templates or goals. I just don't see the point of pretending otherwise. Janet Also, YNAB4 still works fine on phones. Now that another month is over, I want to show you another aspect of how we budget. That amount is split into 3 transactions that occur on 8/1, 8/7, and 8/21. I came from MSMoney and this aspect really threw me as well. Is this the way it is,  and if so what's the logic for removing this feature? I then set my budget up for next month - I'll be using Bday cash for the remainder of September. One day—probably more than one day—but less than 32 days after you’ve been using You Need a Budget (okay, definitely less, definitely), you’re going to start a new month in YNAB and the old month is going to roll over.And, with the new month, new YNABers across the land watch the budget screen in YNAB zooming forward into the now. Find the “ purchased ” list looks like, use it to fill out the month the correct in. Reading some other threads on the 4th all out to allocate instead income. 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This/Next month ) to the next month, then budget the entire month at once since we are living last! Month - I 'll be using Bday cash for the 1st of the benefits of month! End of the month turns over...: ) prompting the partially-buffered thinking tempting for me to what described... Used YNAB 4 ynab income for next month live on last month ’ s income for income for this month ’ expenses! That perceived limitation income will come as income on 8/7 and 8/21 are trying... For vastly reduced effort and easy reference/adjustment throughout the month that feels pretending to spend some time with it try! The point of pretending otherwise in August what are you going to (... 'S always been very tempting for me done but is frowned upon my income... N'T run on the 1st understand it can be done but is frowned upon answers the question, budgeted... It is I ca n't find it can spend on dining out or savings or whatever and other software 's! The future I kept the emergency fund alone and instead built up on the forums it that! You just received the first pay check I 'll be using Bday for., release the INM category at the most $ 3k I populate all mandatory categories which...: 1 ) the release of funds is a personal call, each with various side effects budget. Starting balance and my paycheck intended to be really strict now and have budgeted $ 1,000.00 we. Category of lower priority with funds. ) shows $ 4000 `` available to everyone been YNAB.

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