u/Kooky-Potential-6895

The worst mistake I made was purchasing the YNAB app from the Google Play store. Not because of the app -the app was great and has helped me so much. But because of play store rules. First, they only bill annually, so I was dinged for the full year when I had been expecting to pay monthly.

And now that I've cancelled YNAB (moved to a competitor), I can't figure out how to get a partial refund. I understood I needed to contact the developer so I reached out to YNAB. They replied that I should contact Google.

I tried to follow Google's instructions for getting a refund on a subscription, but the steps they say to take don't exist (selecting Report problem on the subscription in my account, but that option doesn't exist).

Has anyone done this successfully? How do I get a partial refund for the unused part of my annual YNAB subscription?

Thanks!

Ce sera ma deuxième année avec CAA-Québec si je renouvelle. Est-ce que c'est tout le temps comme ça ? Je trouve ça un peu excessif d'augmenter le prix de plus d'un tier en un an.

Est-ce que c'est comme les cellulaires, etc, et je suis mieux d'annuler et d'attendre qu'ils fassent une meilleure offre promo ou les téléphoner ? Que me conseillez vous ? Merci !

I'm back from a trip to Chile where I used a digital Wise card for the first time. One thing I noticed is that my card never worked in any grocery store, including all of the major ones. Ironically, perhaps, it worked fine in even the tiniest rural shops that had transbank (the system they use for payments).

Has anyone else had the experience or can think of what I might have done wrong? I searched online but none of the standard troubleshooting was relevant (the transaction was not declined in Wise, and I didn't have a physical card to try that as an alternative). The transaction looked approved on my Google wallet, but then would be refused by the vendor so I ended up using my credit card.

I was saying it was a credit card when asked.

I recently flew from another Latin American destination to North America through Panama. When we arrived at the departure gate for the second leg of our trip, an almost 6 hour flight to North America, there was the type of security you typically go through when you, well, clear security at any regular airport. Typically this is right after check-in, so you have a chance to fill up your water bottle or buy a drink in the airport before you board.

But due to Copa's set up, with this security right at the gate, we all had to dump our water (liquids!) and there was no way to refill since we were then sequestered at the gate until boarding. I asked the security agent and she confirmed this was the protocol.

I would've expected that Copa, being aware of the unusual situation, would ensure that passengers have ample water on board. Lots of longhaul airlines give out small bottles of water. However there was nothing offered to passengers until several hours into the flight, with the meal.

Has anyone seen this kind of security set up at the gate elsewhere?

Yesterday, Wise transferred money from my chequing to my wise card instantly. Today, I tried to add a smaller amount and it says it's going to slow it down because it's not sure I have enough funds in my chequing account to cover several outstanding transactions. Friends, I have more than enough to cover all the transactions. Is there any way to tell wise to go ahead and process things without slowing them down?

Hi everyone. I just got a digital Wise card for travel and transferred $300 on it from my chequing. There's a $0.93 fee.

How would I handle this in YNAB since I haven't spent $300, but it's left my chequing. Should I create a Wise account, and if so, what kind of account would it be?

Thanks!

I've been using YNAB for almost 8 months. The hardest lessons were immediate, such as getting off the credit card float and realizing I had been masking an overspending problem by dipping into savings. I've made some tough decisions all these months, cutting back drastically on anything that wasn't necessary until I could reliably come in under budget. YNAB poor, you know.

I've also changed my habits in other ways, such as closing a number of separate savings accounts I don't need now that everything is tracked in the app. I started putting everything on the credit card and got one that pays better cashback, since I can now trust myself to always have the money set aside in advance and not overspend.

This month, as I was doing some more tidying up of accounts, I noticed that I've accumulated over $7k of cash for eventual expenses. Nothing urgent. Just the cumulation of small amounts saved up. When I started YNAB, I would occasionally go into overdraft, or at the very least have to be careful to avoid it right before getting paid. Now, with the running total and the savings, that's not a concern.

So I took $5k and put it in a HISA. It's just one more way that this system is putting money back in my pocket!

Hi everyone. Thanks in advance for your help on this. I have an annual target for a credit card fee. It was originally set for May 2026, I had the full amount ready, and then the cc company waived it. I then used some of the money for other expenses. When I try to edit the target for next year (end of April 2027) - even if I delete the target and create it again, and regardless of whether it's "fill up to" or "set aside another" - it keeps telling me to add back the amount I withdrew. But that doesn't seem rightt because if I do that, I will have much more than I need RIGHT NOW for that April 2027 payment.

I don't know how to make this target just remind me, if I need $150 and I already have $30.28, how much I need to set aside each month until April 2027 so that I will have $150 by April 30.

I'm very close to just doing the calculation myself and setting a monthly goal, but I feel like that's not really understanding YNAB and fixing my target.

https://preview.redd.it/ibz9q1si1o6h1.png?width=455&format=png&auto=webp&s=6efd7141e89ba75d5e4fd20e986b242ddef55ce8

I guess this is a bit of an AITA question. My 13 year old (almost 14) wasn't home by dinner today, so I texted and learned that they were at a friend's home and had already had dinner with them. Although it's not a new rule, I said that for future reference, they're expected home by 5:30pm for family dinner and that if they're invited elsewhere, they need to ask for permission. They said ok. I let them hang out over there until 8.

After I picked them up later this evening, my kid told me that when they're at their dad's house (50/50 custody), they see this new friend EVERY weekday after school and often stay there for dinner. They wanted the same while at my house. I said no. I said my expectation is that they be home for dinner with me and their sibling most weeknights and home with enough time to get ready for bed at their usual time (they have a very long bedtime routine of their own design).

My kid's response? I'm "giving controlling, possessive boyfriend" and it feels like I'm preventing them from having ANY social life. The 90 minutes on average they have between the end of class and dinner is insufficient (I live very close to school so there's no time lost to commuting). Weekends don't count because their friend is busy doing other things.

To this, I responded that it's interesting that their friend has other activities, and maybe my kid also needs some other activities besides seeing their friend. To be clear, I understand and support a young person's need to build friendships. But my kid gets completely 24/7 absorbed, serially, with best friends.

So AITA? Is my expectation out of touch?

Peeps, I've been off OLD for a while, mostly due to burn out. I'm ready to get back on that old horse, with a renewed mindset, but I don't feel like I have enough for photos of myself.

I understand what I need: the headshot, the full body, me doing my favourite activities. But I'm stuck. It's like all I've got is me hiking because I do that a lot lol

I really don't want a bunch of selfies, and I know I can set up the phone to take a non-selfie of myself. I generally don't like photos friends take of me. I guess I don't think I'm photogenic.

What I'd really love is some encouragement to get this done. Ladies, if you don't just naturally take photos of yourself all the time (do people our age do that?), what did you do to take your pics? Did you dress up and go out to get a shot? Did you ask someone at the gym to take your photo? I think reading about your real life experiences will help me feel less like the only weirdo who can't get it together to put my profile back up.

Thank you in advance! 🙏