Using YNAB and budgeting

I bought one of the first YNAB’s when it was still just a simple budgeting program. I liked it well enough but after a year or so I stopped using it. I always budget daily with a notebook and pencil. SoI know exactly where money is going and when. I find using a notebook is easy and I like the physical act of jotting things down.But I’m always on the look out for an online budget. I’ve used Mint and that does quite work for me, I’ve used Dave Ramsey’s budget and that was good but got too expensive. I’ve also used his free one recently and that’s okay. So when I saw the new YNAB earlier this yea, I thought about it but didn’t do it. then about a week ago I looked again and decided I’d do the $5.00 subscription for a month and check it out.  So I had it figured out to a 0 balance and then when the paycheck hit direct deposit, it kept saying I still had $xxx to budget but I didn’t. I have tried everything to figure out where this error is and the only thing I can come up with is its an error in the program somewhere. So I have this $xxx  sitting in a category of ‘ this is not real money’…..If I believed what the program is telling me to budget we’d be quite over drawn.  So, I spent over 5 hours off and on going over this. Still, nothing jives.  I may just wait till August or all the bills are out and then clear it and start with a new budget. It is frustrating since the amount in the checking area is correct but not this other amount.  Any ideas anyone??? why would this discrepancy be there.

Anyway, I’m home all day today just tidying up, making pizza  dough, and some decluttering.

 

Costco trip

I went to Costco this morning and it was busy. I guess it’s always busy these days. But I had a few things I needed and some I still didn’t get. We were going to get dog beds for the new pooches but then decided we would use an old nova foam and cut it and then cover with a sheet or blanket.  So then in the coupon book there it is Nova foam with $30  off … Yeah!  Sothen I checked the dog beds and geez they were $30. So We get a new Nova foam for out bed and then the doggies get one cut up.  then I drove over to REI to get a backpacking stove for Zephyr since he’s taking his new girlfriend out over night. It’s a place we have all backpacked into many times. It’s an easy 2-mile hike into some beautiful Sierra lakes. When I could still do it , it was fun and a great place hat was easily accessible as long as you knew where you going.  Interestingly, this spring a young man and his dog hiked in the long way* there is a second way to get in) and on his way out got completely turned around and since there was still snow on the ground. Rescue teams and black hawk helicopters found him 4 days later. He was fine but just didn’t stay on the trail.

Anyway, that’s part of his birthday present which is coming up in August.

Then I dropped everything off at home for my daughter  to put away and went over to the Koffee Klatch  lunch. Most everyone was there and it was nice to catch  up. they mentioned the Friends  meeting in September, but I won’t be there. I don’t want to put myself in an awkward position and refuse to place myself in a situation I am not 100% behind.  I will always love and need libraries( thank you Nevada County Library)but will not go back to the feeling of hurt and dismay.  So let it go…good advice.

Tonight I just didn’t feel like cooking and B was driving past Taco Tree so my daughter texted him and put in out  orders. Just a few veggie burritos and tacos.  Nice and easy.

Tomorrow is a home day and Friday night pizza>>>> I hope…