Using YNAB for building up the Debt Neutral Pot

she_always_has_a_plan

Good evening everyone, 

I've been browsing the forum for the last few weeks. I've noticed some of you are building (or completed, well done!) a debt neutral pot. I was wondering if any of you use (or used) YNAB to save for this pot and if so, how did you approach it - should the money be "outside" of checking accounts so the amount is not counted towards your ready to assign pot/available money? Or just keep it all together with checking/saving accounts? Keep the pot money totally out of sight? I would be grateful for any insights, and all the stories about your DNPs, thank you!

I wish you all a happy, healthy, wealthy and easy 2023!

Snwps

Ive set up my YNAB with my bank accounts and short term savings accounts (i.e Emergency Fund/sinking funds" as "Budgeting Accounts" so the transactions and balances on these accounts count towards my budget.

Then I've set up my credit cards/debt accounts as "Tracking Accounts". So they get monitored and count against my Net Worth in the reports section, but DON'T go towards my budgeting amount. If I were to use a savings account to get to this debt neutral point I would also use the "Tracking Accounts". The debt would show as a minus red figure and the savings would show as a positive figure, with the difference showing as total in the Tracking Accounts header.

I hope this makes sense and was what you were after.

she_always_has_a_plan

Thank you so much for taking time to explain, that makes sense!