YNAB Credit Card Guide (All You Need to Know)

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A step-by-step guide to handling credit cards inside YNAB. This tutorial will walk you through every single detail of using credit cards with YNAB.
YNAB Affiliate Link: mappedoutmoney.com/ynab
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While I love YNAB, unfortunately, it can be pretty confusing. A lot of people will sign up only to get quickly frustrated and then give up never to return. And how YNAB handles credit cards is probably the most confusing aspect of the program. For some reason, it just isn't intuitive for most people, despite the fact that YNAB handles credit cards in the most realistic way possible.
I've never seen another budgeting program out there treat credit cards how they work in real life... except for YNAB. When I finally understand this, it sold me on the program and made me an instant fan.
I hope that this video will do the same for you.
In this video I'll cover:
- How to set up your YNAB accounts
- How to deal with your starting credit card balance
- Using YNAB's goal function to pay off your credit card
- How YNAB treats credit card transactions
- The difference between debit & credit and how YNAB handles them
- How to deal with overspending on a credit card
- Adding credit card interest to YNAB
- Making payments towards your credit cards
- A pro tip for never missing a payment
This tutorial truly is everything you need to know about YNAB and credit cards. I hope you learn something and be sure to leave a comment with any questions you have.
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Quick Jump To Video Sections
0:29 - Setting up credit card accounts
1:36 - Covering the starting credit card balance
3:15 - Setting a goal to pay off your credit card
5:53 - How credit card transactions work
7:36 - Debit vs. Credit transactions in YNAB
13:32 - Credit card balance vs. Available balance
15:00 - Handling overspending on a credit card
22:42 - Dealing with credit card interest
26:12 - Making a payment towards your credit card in YNAB
29:03 - Making multiple credit card payments
29:17 - Pro tip for remembering your payment due date
______________________________________________
My Website: mappedoutmoney.com/
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Twitter: / nickdtrue
PS: If you have an Amazon Alexa, I just launched a brand new daily flash briefing called 30 Second Money. It would mean the world to me if you checked it out in your Alexa app.
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Опубликовано:

11 окт 2018

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Комментарии : 869

@benschindler7634 4 года назад

Nick, after struggling to realize that my "mental" budget was really disconnected to reality I looked around for ways to get a hold of my spending. I tried Mint and it didn‘t really work for me. After watching your videos I gave YNAB a shot and after a month of free trial, I was almost excited to spend the money on this product. Now after almost 6 months in, I have watched your videos countless time, I don‘t even google YNAB questions anymore, I just look for the appropriate video of yours. I agree with many others by saying YNAB should include these videos in their tutorials. Your videos have changed the way I look at my money and spending. Thank you!

@qwerty9902 5 лет назад

Hey Nick, You're killing it man. I have tried three times in the past to utilize YNAB to help me with my financial responsibilities. You are the first person that has been able to explain this program to me effectively. From the bottom of my wallet, Thank you

@mappedoutmoney 5 лет назад

haha, glad the videos are helpful for you Conner! That's certainly the goal. Good luck YNABing man.

@frshkmyfrzl 3 года назад

I'm on my third time too! All the best man. Hope you're still on it!

@ahsm 3 года назад

@@mappedoutmoney i tried probably 10 times to start ynab during the course of a whole year (and paid for it too) and kept giving up but your videos helped me a lot and im finally doing it thanks

@fabiandexter8550 2 года назад

I dont mean to be off topic but does anybody know of a trick to log back into an instagram account? I was stupid forgot the account password. I would love any assistance you can give me!

@nobytes2 2 года назад

@@fabiandexter8550 yeah you hit the I forgot password and reset it using the link on your email. Oh wait you're just a scammer haha

@barbarahermannster 4 года назад

Dang, Nick. You are so much better at explaining than the YNAB tutorials. Thanks!

@mappedoutmoney 4 года назад

haha, no problem Barbara! Glad the videos are helpful for you!

@bparrish333 Год назад

For real. This has been the biggest obstacle to me sticking with it and he explained it so well

@vapb400 5 лет назад

You are insanely good at explaining things. Thank you sooo much!

@mappedoutmoney 5 лет назад

haha, Thanks Chris! I'm glad the video was helpful for you man.

@lb4737 5 лет назад

Hey Nick, I've been trying out YNAB over the last couple of weeks and I have to say that your two videos have convinced me to purchase the subscription. Those two videos are by far the best ones I have come across for simply describing the process of using YNAB correctly. I was having all types of problems figuring things out until last night. I watched many other videos but for some reason yours really clicked with me and I'm pretty confident that I can use the software to meet my needs now. Your other videos are pretty great too but I feel like these YNAB videos are top quality, standout content. Thanks so much for making these!

@mappedoutmoney 5 лет назад

Thanks for the kind words! This right here is literally what I do this for. And yeah, I put a lot of time into the YNAB videos haha. I'm hoping that I can continue to carve out time to put this effort into my other YNAB ones as well :) Seriously, I'm so pumped that these were helpful and I really appreciate you taking the time to let me know. Best of luck with YNAB! Let me know how you're doing down the road and feel free to ask any questions if you need to!

@matthewheadland7307 4 года назад

lb4 I started at the end of jan, exact same here eh Looks like you got here a year ago! Wondering if you’re still using it and how it’s going

@jcepri 4 года назад

I was so ready to give up on YNAB until I saw these videos. YNAB needs to give you some sort of commission, Nick! lol

@lb4737 4 года назад

@@matthewheadland7307 Sorry, this is a really late reply. I do still use YNAB. It has been my number one financial savior.

@theresamcclinton1825 5 лет назад

This makes so much more sense now! Thank you! I followed your beginner's video yesterday and set up my whole account, but couldn't understand the credit card bit. This helps so much!

@ottergirl1913 2 года назад

FINALLY I get it. You went through steps that had been skipped by others. Thank you so much!!

@leelee8311 4 года назад

Thank you so much for making this YNAB videos... you have an amazing ability to communicate these lessons in a clear and concise way and yet cover all the details -- very grateful!

@yasserhy 3 года назад

WAW! I nailed it! Thanks to your video, I was able to properly manage my credit cards! Thanks!

@aneeshm2 5 лет назад

Thanks for the video; I found the section about how YNAB handles paying off the balance helpful, and it was what I came here looking for as well.

@williegeorge2346 Год назад

Nick, You really make the action and process easy to easier. You are a great Facilitator.

@justnealpatel Год назад

Just started with YNAB this week and wow, this cleared up all my CC questions. Love the content!

@jenaboone4787 5 лет назад

This was super helpful! Excited to check out your other videos!

@mappedoutmoney 5 лет назад

Awesome Jena! I'm super glad to hear that the video was helpful for you :)

@IgniteTheWorld7 5 лет назад

We have watch the video for beginners and this one. LOVE IT! You teach in such a great and easy way to understand. Thank you, Nick!

@mappedoutmoney 5 лет назад

Awesome!! So glad the video was helpful for you :) I appreciate you taking the time to comment and watch. That means a ton. Thanks!

@nikilemley2996 Год назад

I think you fixed all my confusion concerning YNAB with this. THANK YOU

@tkldr 6 месяцев назад

Great information, thank you! This is our first month on YNAB and this helped a lot. 👍🏽

@sequansreviews2039 Год назад

Keep up the good work I just started with YNAB and your video are helping I was trying to figure out how to add the credit card payment, your videos are on point keep up the good work.

@JustinSmithXenoabe 5 лет назад

Thanks Nick! I've been confused by this for a long time and this was the first time it clicked.

@mappedoutmoney 5 лет назад

So glad to hear that Justin! I appreciate you taking the time to comment and let me know that it was helpful for you. Good luck YNABing my man!

@jdp5011 4 года назад

I can’t tell you how helpful this video and the Getting Started video have been... thank you!!!

@mappedoutmoney 4 года назад

Awesome, so glad it was helpful for you :)

@sandypetersen6329 5 лет назад

Thanks so much for taking the time to explain this so thoroughly!

@mappedoutmoney 5 лет назад

Of course Sandy! I"m so glad that the videos are helpful for you :) Thanks for commenting!

@andrewhadd6616 Год назад

Excellent video and descriptions. Thank you!

@akieshafoster910 Год назад

Each time I need to remember how to categorize credit card transactions. I rewatch your video. Thank you for creating this great content.

@joss7772 2 года назад

Hey Nick! I just want to let you know that your videos are helping people all over the world including me from Dominican Republic in the Caribbean! Your videos are supper clear and detailed, Me and my wallet truly apreciate the time you take to explain how YNAB works. Keep up the fantastic job!

@annmariebarber7040 Год назад

I am new to YNAB and your videos are so helpful!

@metepolat8162 5 лет назад

Thanks man, super helpful. Watched this and the savings video and feel so much more set up to start budgeting. Really appreciate you putting time into this!

@mappedoutmoney 5 лет назад

Excellent Mete! So glad the videos have been helpful for you man. I appreciate you letting me know. Good luck and reach out if there's ever anything I can do to help!

@lesterhess5955 4 года назад

Great Video! I just started using YNAB and your videos have helped my greatly. I've gotten way more from this video than the content YNAB provides. Thanks!

@kendrawright5283 2 года назад

The hack with the due date in the credit card name at the end was fancy! LOVE LOVE LOVE all your YNAB videos. You're my fav to watch and learn from. * zooms off to pay off the credit card 🏃‍♀ *

@mappedoutmoney 2 года назад

Thanks Kendra :)

@spencerhyatt 4 года назад

I've been using YNAB for almost a year but just recently switched to using a credit card for most transactions. This video was incredibly helpful! I fully understand now, and this video answered a question about why a couple numbers weren't matching in my budget. Fantastic explanations, great job!

@mappedoutmoney 4 года назад

Awesome Spencer, so glad that the video was helpful. Appreciate you leaving a comment! :)

@fuzzynuggetsbees Год назад

This video was so helpful!! I really screwed up my budget with the credit card payment last month (free trial month) and had to start all over. Your video clears up all my confusion. Thank you!!

@davidhallum1223 4 года назад

Finally! A video that explained the credit card fiasco in YNAB. It makes sense now that you explained it in perfect detail! Thank you so much!

@MrJmdubose 5 лет назад

Absolutely fantastic set of YNAB videos. You're a lifesaver my friend.

@mappedoutmoney 5 лет назад

Thanks John! you’re very welcome. I’m so glad to hear that the videos have been helpful for you. 🙌 Thanks so much for commenting.

@danmantena4676 3 года назад

thanks Nick! great video as usual!

@rafikibubu 2 года назад

This is great man, thanks for posting this. Just started with YNAB to replace my old, by-hand budgeting tool, and the way credit cards work was the last big hurdle. Many thanks! Cheers, ~Nate

@donnaowens7692 5 лет назад

Another helpful video! Thank you so much for putting so much effort into these tutorials. Very helpful when I get stuck. No time to figure out how to create goals for shared expenses.

@mappedoutmoney 5 лет назад

Thanks Donna! Really glad that you enjoyed the video and find them helpful :)

@MakingLemonadeCreations 4 года назад

Video is 1 1/2 years old and still very applicable. Best YNAB video on credit cards I've seen! Been using YNAB for 3 years and never could seem to get some parts of CC correct. You've provided the missing piece of the puzzle and I feel much more confident about using YNAB. Subscribed and off to watch more of your videos.

@Roman-rc1cz 3 года назад

It's 2020, and your teachings are still pure gold. Thanks for the info, Nick!

@mappedoutmoney 3 года назад

No problem Roman! So glad the video helped :)

@SusanFay-ut9yh Год назад

Fantastic video! I've been off the YNAB bandwagon for several years and your videos are so helpful that I am feeling "armed" enough to jump back on! Very inspiring and empowering -- thank you for your clear as crystal explanations!!!

@sabrinastewartphoto6902 4 года назад

your YNAB videos are the best out there. thank you SO much.

@mappedoutmoney 4 года назад

No problem! Thanks so much for watching Sabrina. Really appreciate you taking the time to comment :)

@Pellson 3 года назад

Thanks Nick! It was clear and quick

@mappedoutmoney 3 года назад

Glad it helped!

@ExplorewithSvetlin 4 года назад

I was searching exactly for information on this and boom - you provided it perfectly. Thank you!

@mappedoutmoney 4 года назад

Awesome, so glad that it helped!

@BlueKoinu 4 года назад

Thank you for this tutorial. Yours was the only one that made sense to me and made it so easy to understand!

@mappedoutmoney 4 года назад

No problem! So glad that it was helpful for you. Really appreciate the comment :)

@wc2287 3 года назад

Outstanding job Nick! Great examples and I'm really glad to be starting over with credit card payments after making most of the mistakes you mentioned on the video. Appreciate the help!

@mappedoutmoney 3 года назад

No problem Brad! So glad that the videos are helpful for you.

@TRD_Mike 4 года назад

Yet another great video on YNAB. I just started YNAB 2 weeks ago and I couldn't have done it without your videos. Thank you!

@mappedoutmoney 4 года назад

Hey thanks! So glad the videos have helped!

@ahhseni 5 лет назад

This is 2nd of Nick's YNAB videos that I have now watched. Both the videos are thorough and well articulated that it just makes sense. They are truly a must watch before tackling YNAB. Given all the other comments on fighting the app and to make it work for lengthy periods I am grateful I came across these videos before wasting too much time and/or just giving up all together. I bet there is a direct correlation on how fast one hits the ground running by simply watching these videos. Keep up the great work! Thanks again!

@mappedoutmoney 5 лет назад

BOOM! That's so great to hear ahhseni! I'm super excited that these videos have been helpful for you. YNAB is so powerful and such a great tool, but can definitely be confusing. I really appreciate you taking the time to watch and comment letting me know the videos are helpful. Let me know if you ever have any questions and good luck YNABing!

@robaer 4 года назад

Nick, Your videos have really helped me get YNAB setup and operational. It's only been a few weeks but I am starting to see my attitude change about how I am managing my money. I used to have a sophisticated spreadsheet that was excellent at forecasting but crappy at showing me where I was going wrong and spending poorly. I am now finding those mistakes and correcting my spending. I have set goals for my categories and started getting realistic about how the money is spect. It was your videos however that helped me understand the concept of credit cards (how it works in YNAB) as well as get over the idea I needed to allocate my future money to things each month... that I just roll with the paycheques and make sure my goals are accurate so that those dollars will have a job when I do enter that paycheque transaction. Nice work, thorough explanation... great job.

@bmoses2973 Год назад

Great Info! I'm learning a lot! Thank you!

@catherinetapling5605 3 года назад

Thank you for making this video!

@mappedoutmoney 3 года назад

No problem, glad it helped!

@smudgeprooff 2 года назад

Thank you, thank you, thank you. Have spent the last month trying all kinds of apps, spreadsheets, etc. to get budget on track. Discovered YNAB then discovered you, and now I can take a nap. Thank you for taking the time to make easy to understand videos. I watched this one and the beginners one, and my budget is set up and functioning great.

@paulnjulia 5 лет назад

Excellent video, coupled with your earlier vid on Ynab, builds into a great series for us ynabbers

@mappedoutmoney 5 лет назад

paulnjulia thanks for the kind worlds! That’s definitely the goal, :) glad it helps.

@KOSANA76 4 года назад

Thank you so much for this video! I'm loving YNAB, but I've been having a hell of a time understanding credit cards. I think I get it now!

@mappedoutmoney 4 года назад

Of course! Glad it's helpful for you Alice :)

@Shelley125303 3 года назад

I love your videos you make it much easier to understand YNAB. I have watched the credit card one several times lol

@mappedoutmoney 3 года назад

Thanks Shelley :) I'm so glad that the videos are helpful for you.

@jenneroc 2 года назад

Thank you!! Still valuable after 4 years!

@mappedoutmoney 2 года назад

Thanks Jennifer!

@jackiecleary9639 4 года назад

Thanks for another great video! I’ll be rewatching this on the iPad while working my budget on the computer. I couldn’t do this without your help!

@mappedoutmoney 4 года назад

No problem jackie! So glad that it was helpful for you :)

@micheleweber7297 5 лет назад

You really are a genius when it comes to breaking down concepts and explaining them. Another great YNAB video!

@mappedoutmoney 5 лет назад

Thanks Michele! I really appreciate the encouragement. That means more to me than you realize. I'm so glad to hear that the videos have been helpful for you :)

@Christian-rt3kg 5 лет назад

Great video!!!! Thanks for taking the time and posting it!

@mappedoutmoney 5 лет назад

Awesome Christian! Thanks so much for watching and commenting. Glad the video helped you out!

@jiden77 5 лет назад

Thank you! This was the piece I was having the most trouble with.

@mappedoutmoney 5 лет назад

Awesome John! So glad to hear that. Happy to help!

@nikkisartvideos6412 3 года назад

Super Duper Helpful, Nick True!!!

@dianemeredith8810 4 года назад

great video.. very helpful answered a lot of my questions.. thank you

@mappedoutmoney 4 года назад

Awesome, so glad it helped!

@tristenwilmot4144 5 лет назад

Nice video, gonna reinstall the app and try again , ur 2 vids changed my mind

@mappedoutmoney 5 лет назад

Thanks Tristen, so glad that it was helpful!

@fallondavis747 3 года назад

These videos just help everything make sense! Thanks so much

@mappedoutmoney 3 года назад

Thanks Fallon! So glad they're helpful for you.

@josephnevarez4652 5 лет назад

I just got this program today and wanted to chime in and say these videos are invaluable. You're an excellent teacher.

@mappedoutmoney 5 лет назад

Joseph Nevarez thanks! I’m so glad that the videos have been helpful for you. I really appreciate you taking the time to leave a comment and let me know. It means a ton.

@Shopgirl2000 5 лет назад

Love all your ynab videos - pls keep making them (even about the simplest things 😊)

@mappedoutmoney 5 лет назад

Absolutely! So glad that they've been helpful for you :) Thanks so much for commenting and letting me know.

@marlaedington6471 3 года назад

Thank you so much for making credit cards more clear in YNAB!

@marybenze2202 3 года назад

Great Video! This is the first time I really understood how YNAB works!

@mrsbe5403 Год назад

This was so helpful! Thank you!

@Jir0x 4 года назад

Amazing, the only video I found speaking about overspending and Interest on credit card.

@yboud3 5 лет назад

Thank you for going into great detail, I finally got it!

@mappedoutmoney 5 лет назад

Awesome Yvette! So glad that the video helped you out :) Thanks so much for commenting and letting me know. It means a ton. Good luck YNABing!

@fsullivan5947 3 года назад

I just joined the free 30 day trial. I went through several of YNAB’s videos but was still feeling a little overwhelmed. I ran across your video and was so relieved. Excellent job explaining steps...so helpful.

@adrianarvillavicencio4726 5 лет назад

Your videos are the best. So clear. Thank you!

@mappedoutmoney 5 лет назад

Thanks Adriana! I really appreciate that! Glad to know that the videos have been super helpful for you :) Thanks for commenting to let me know!

@darrinmc 5 лет назад

This was the only part of YNAB I didn't understand and you explained it perfectly. Thanks!

@mappedoutmoney 5 лет назад

Awesome Darrin! I'm so excited for you. Glad to know that this filled in the gaps for you!

@tinaindia2010 5 лет назад

By far, this is the most helpful video on YNAB credit cards. The info on the website is confusing AF... this is so clear! Thank you!

@mappedoutmoney 5 лет назад

Haha well I’m glad it was helpful for you :) I really appreciate you taking the time to watch and comment. Good luck YNABing! :)

@kayejanda2884 4 года назад

thank you!!! I may actually get paying my credit cards right. Your video is terrific.

@laurawray7705 5 лет назад

Thanks Nick! You've got the right combination of explanation and example to really help me wrap my brain around handling CCs. I've a few of your YNAB videos now, and they're just stellar! You're my go-to for understanding :)

@mappedoutmoney 5 лет назад

Woo! That's awesome Laura :) So glad that the videos have been helpful for you. Thanks so much for commenting to let me know!

@kgeaston1 Год назад

This finally sunk in. Thanks!

@mappedoutmoney Год назад

Glad to help!

@angelameharg6853 4 года назад

Thanks, Nick - that was helpful!

@paulreed1308 7 месяцев назад

Very helpful thank you

@marlaedington6471 5 лет назад

Nick, I’m just starting to watch just your second video, and I must say, I am impressed! I’ve been trying to budget since I’ve been married 23 years ago, mostly failing. The main problem was keeping track of what I actually spend and categorizing it so it corresponds with my budget. I’m using YNAB for the 2nd time (I didn’t like it several years ago before all of their recent updates and move to the cloud version and newer app), and now I will not budget in anything else. I still mess it up sometimes, and still have the bad habit of overspending but hopefully soon I’ll get this right! Anyway, all that to say, your one video I’ve watched was awesome!!!! I’ve watched hundreds of budgeting videos and yours is really good! Thank you! I can’t wait to finish the credit card one I’m watching (because I think I’ve still been a little confused) and find another one! Are you employed by YNAB? If not, you should pursue it. They need to snag you up in a heartbeat. I’ll recommend you!

@mappedoutmoney 5 лет назад

Thanks Marla! I really appreciate that. haha, no I'm not employed by them. Although I am in contact with them and we partner together because I love to promote their app. But I'm on my own :) I'm so glad the videos are helpful for you. I'm excited that it feels like you can finally get the hang of the budget and truly use it to get ahead. Thanks so much for commenting. It means a lot to know that the videos are helpful. Please reach out anytime with questions :)

@MikeBSalazar 3 года назад

So clutch! Thanks!

@conureron3792 4 года назад

Very useful! Instructive! Thanks

@mappedoutmoney 4 года назад

Thanks Ronald! Super appreciate it. Glad it helped.

@WORLDLURK Год назад

I get it! Thanks so much, Nick.

@jenniferabp 3 года назад

THANK YOU!!!!!! Best tutorial! Timeless info!

@kurtiszone 5 лет назад

Finally credit cards explained!! The official YNAB videos don't cut it, but your videos are so clear and comprehensive. I was ready to quit YNAB before my free 2 months expired, but now will continue to use it. Keep up the great work,Nick!

@mappedoutmoney 5 лет назад

So glad to hear that Kurtiszone! I really appreciate you watching and taking the time to comment and let me know that the video was helpful for you. Good luck with YNAB and let me know if there's ever anything else I can help with!

@marineb7617 3 года назад

Super super helpful....Thankyou!! 😊

@ErikDouds Год назад

Another great video. I really do find this way more informative than any YNAB resources. It's my second attempt at YNAB budgeting and the CC payments was one of the final hiccups.

@lynnfrediani3359 3 года назад

Thank you! this was extremely helpful!

@514jej 3 года назад

True story: We’ve gotten started and comfortable in YNAB because of your videos. Thank you! We decided to add a credit card to the mix, and I tried figuring it out with a shorter tutorial on the subject. A few minutes in I was like, “Nah. I need to learn from Nick. I’ll understand it from him.” And here I am. Keep up the great work!

@jenniferwalker6639 5 лет назад

Thanks nick! I have been a nYNAB holdout because I love YNAB 4 so much. Finally transitioning over and needed help with the credit card stuff. Great video!!

@mappedoutmoney 5 лет назад

Yes! So glad to hear it Jennifer. The credit card stuff is definitely confusing. But so glad that this video helped out :) Thanks for letting me know it was helpful!

@haetube 5 лет назад

Thanks for this video. After 2+ months, the credit card part was constantly tripping me up. I think I understand it now.

@mappedoutmoney 5 лет назад

Awesome! Glad the video helped clear it up for you!

@carissakoopman862 3 года назад

great info thanks

@melbell2125 4 года назад

Will need to add a YNAB subscription to my budget. The videos are super helpful. Thank you!

@mappedoutmoney 4 года назад

haha, yup! Definitely add that. Glad the videos are helpful :)

@flamingo.and.co.26 5 лет назад

Nick, thank you so much. Just after I applied for a secured credit card, I saw a post on a YNAB FB group recommending your videos. I watched this video and once I received the cc, followed your instructions! It was so easy when I did my first transaction! Thanks so much for sharing!

@mappedoutmoney 5 лет назад

Woot woot! So glad to hear this Angie :) I’m excited that the video was helpful for you. thanks so much for commenting and letting me know that it helped you out! Good luck YNABing! :)

@marykirby7344 7 месяцев назад

Thank Nick.... I watched this video as suggested at our meeting. It did clear up a lot but think I'll be watching again a few time before we meet again. Again... Thanks!

@mappedoutmoney 7 месяцев назад

So glad it helped!

@ModernKaveman 5 лет назад

Thanks, Nick! YNAB is making sense to me now. Yay!

@robin6381 3 года назад

Thanks for this video! 5:53 was exactly what I was looking for.

@karlawashington5795 5 лет назад

Gosh, SO helpful! I've re-started YNAB 3 times already in the past month because I kept messing it up (mostly not understanding how to use). Also your comments helped me decide to pull the plug on the bank connection, THAT was driving me crazy! thank you, can't wait to watch all your YNAB videos.

@mappedoutmoney 5 лет назад

Hey Karla! :) So glad to hear that the videos have been helpful for you :) I really appreciate you taking the time to comment. Glad you're on the YNAB train. Good luck and let me know if you ever need anything!