Hey all! First post here!
I discovered YNAB a few months ago when my Fiance and I were thinking of ways to budget our money better when we combined our bank accounts. We both were concerned the other would spend money without realizing what was in the account and we were petrified our individual spending would cause our account to dip below what we felt comfortable with. We were about to move into a new apartment and the rent was going to go up about 400 per month. On top of that we're trying to save for our wedding and simultaneously pay off some debt to start out married life as debt free as possible.
We set up our budget accounts together, and while I do all the entering and maintaining (she's better with money than me admittedly) she checks the app to see what's available in the categories before going grocery shopping or picking up food for the dogs etc. We've immediately noticed a change for the better with our spending habits and have found that in the first month of living in our new place we are finding we had a lot more money to work with than we thought now that we're giving it all a job. We had quite a bit roll over from our last check, and I even set almost 300 aside from this check to be available for march when rent is due. Is this ok? I had filled out all the budgets and was left with that much....
I've attached a screenshot of my budget page, i'm looking for opinions and thoughts on how i'm doing so far? I've been reconciling the account every few days to stay on top of it.
Thanks in advance! I'm really hoping to get one month ahead after the wedding. I figure we could do it before, but we're wanting to shuttle as much as possible into savings for honeymoon and wedding expenses for now.