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You need a budget (YNAB) advice thread

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  • bsms1147
    bsms1147 Posts: 2,275 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Thistlewhistle wrote: »
    In 3 months to end March, I've reduced my CC debt by £900 and am totally distressed with regard to money. It's amazing.
    I hope you mean de-stressed ;)

    Well done :)
  • Thistlewhistle
    Thistlewhistle Posts: 1,091 Forumite
    bsms1147 wrote: »
    I hope you mean de-stressed ;)

    Well done :)

    I did indeed mean de-stressed! What a mistake to make - I blame predictive text!!:rotfl:
    Mortgage at end 05/2007: £90200
    Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
    MFD: :eek:Original:05/2042:eek:
    Car Finance: £8225 : £6392 (22.2% paid off)
    CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)

     Age of Money at 31/08/2018 = 23 days

    YNAB is changing the way I live my life....and spend my money!!
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Seventh Anniversary 100 Posts Combo Breaker Name Dropper
    Hi

    I signed up for my first webinair and got the time as 12.30 today. My time zone is correct in the group Dublin London ect. I've noticed that's it's GMT + 1,00. Should I be logging in at 1.30 then? I opened the link at 12.30 and was told to come back later.
  • Frogletina
    Frogletina Posts: 3,914 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Missu wrote: »
    Hi

    I signed up for my first webinair and got the time as 12.30 today. My time zone is correct in the group Dublin London ect. I've noticed that's it's GMT + 1,00. Should I be logging in at 1.30 then? I opened the link at 12.30 and was told to come back later.

    Are you sure it wasn't 12.30 am?

    The time in the boxes is the time that the webinars are shown, you don't need to add an hour.

    There is a getting started one today at 5.30 pm, which is good, as most of them are in the early hours

    http://www.youneedabudget.com/support/training-and-education

    frogletina
    Not Rachmaninov
    But Nyman
    The heart asks for pleasure first
    SPC 8 £1567.31 SPC 9 £1014.64 SPC 10 # £1164.13 SPC 11 £1598.15 SPC 12 # £994.67 SPC 13 £962.54 SPC 14 £1154.79 SPC15 £715.38 SPC16 £1071.81⭐⭐⭐⭐⭐⭐⭐⭐⭐Declutter thread - ⭐⭐🏅
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Seventh Anniversary 100 Posts Combo Breaker Name Dropper
    Frogletina wrote: »
    Are you sure it wasn't 12.30 am?

    The time in the boxes is the time that the webinars are shown, you don't need to add an hour.

    There is a getting started one today at 5.30 pm, which is good, as most of them are in the early hours

    http://www.youneedabudget.com/support/training-and-education

    frogletina

    No it was today at 12.30 pm
  • Frogletina
    Frogletina Posts: 3,914 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Missu wrote: »
    No it was today at 12.30 pm

    Are you looking at the time on the email that was sent when you signed up for the class? That will show 12.30 EDT, not GMT plus 1, which is 5.30.

    frogletina
    Not Rachmaninov
    But Nyman
    The heart asks for pleasure first
    SPC 8 £1567.31 SPC 9 £1014.64 SPC 10 # £1164.13 SPC 11 £1598.15 SPC 12 # £994.67 SPC 13 £962.54 SPC 14 £1154.79 SPC15 £715.38 SPC16 £1071.81⭐⭐⭐⭐⭐⭐⭐⭐⭐Declutter thread - ⭐⭐🏅
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Seventh Anniversary 100 Posts Combo Breaker Name Dropper
    Frogletina wrote: »
    Are you looking at the time on the email that was sent when you signed up for the class? That will show 12.30 EDT, not GMT plus 1, which is 5.30.

    frogletina

    It did say 12.30 EDT. I'm try again at 5.30 thank you. Am I being a bit thick?
  • Frogletina
    Frogletina Posts: 3,914 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Missu wrote: »
    It did say 12.30 EDT. I'm try again at 5.30 thank you. Am I being a bit thick?

    No, it is confusing.

    Enjoy your first webinar, I found them to be very good and you can ask questions at the end.

    Most of my webinars were in the early hours, I'm amazed I was able to stay awake for them - but beware, they do become addictive.

    frogletina
    Not Rachmaninov
    But Nyman
    The heart asks for pleasure first
    SPC 8 £1567.31 SPC 9 £1014.64 SPC 10 # £1164.13 SPC 11 £1598.15 SPC 12 # £994.67 SPC 13 £962.54 SPC 14 £1154.79 SPC15 £715.38 SPC16 £1071.81⭐⭐⭐⭐⭐⭐⭐⭐⭐Declutter thread - ⭐⭐🏅
  • Nowisnow
    Nowisnow Posts: 31 Forumite
    Ninth Anniversary Combo Breaker
    If I get paid monthly at the end of the month, do I already have a 'buffer'?
    Total owed @ LBM Jan 2013= £28,700 :o
    Now................ Feb 2016= £ 6880
    :jAll on 0% interest:T
    :rotfl::rotfl::rotfl:83% paid!:rotfl::rotfl::rotfl:
  • Bublin1
    Bublin1 Posts: 724 Forumite
    I've been Money Tipped!
    Nowisnow wrote: »
    If I get paid monthly at the end of the month, do I already have a 'buffer'?

    No...unless you already have a months salary in your account the day before you get paid.
    Dave Ramsey Fan[/COLOR]
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