u/Kooky-Potential-6895

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! 🙏