This saves me from having to transfer a few hundred dollars every single month. 3 We automatically import your transactions multiple times per day. And daily purchases are put on a card. It’s the same money, but one view is divided by category (the budget) and one isn’t (the account register). Now if one account only has $20 bucks in it because it was used for other budgeted items, and now working solely from the budget not my account balance...how do I keep from overdrafting that account when buying clothes because I check my budget and I have $100 to spend????? A step-by-step guide to handling credit cards inside YNAB. Everyone and every couple will have their own budgeting journey, what's important is to find something that works for the two of you. I don't increase my debt, because I only buy things on my card that are already budgeted for in the proper categories on my budget. I only have one checking account, and I’m not sure the benefit of having multiple checking accounts would offer. Just don’t link your bank account to your YNAB account. There might be a case there for protecting your debit card from online shenanigans, but if you’re using YNAB, there’s not much reason to not have a good rewards card. Checking account 1 has a stupid billpay interface that I hate using. Your partner can also create their own private budget which mirrors your private budget's setup within their Dropbox account. These are saving categories that I would rarely spend from, not rainy day funds. I understand the difference between budget accounts and savings vs the actual bank accounts. When using YNAB correctly, all of these purchases are backed by cash and are budgeted for in your categories. Cleared: Transactions that your bank knows about and have finished processing are cleared and are marked with a green C at the right-hand side of the transaction line. At that point I’d have checking, savings, credit. I use the Amazon Prime Chase CC for all Amazon purchases and Citi Double Cash CC for everything else. Presumable the savings gets you more interest to I’d keep one savings, but I also might look into putting your savings into an online higher yield account. Then there's the other checking accounts (think his/hers) that gets the rest of the paycheck. I had thought about a credit card for these purposes, but we are trying to get away from credit card usage as we don’t currently carry a balance and are trying to get rid of the rest of our debt. For example, if you’re adding a credit card, Discover Card is a better option than Discover Bank. If you import transactions, many of them will be cleared in YNAB automatically. I was thinking along the lines of using a second checking account for online purchases - like from Amazon or through Apps etc. Long story short, you don't need a bunch of checking accounts for each purpose. Making a request or deleting an account is simple through options in the Settings menu, but YNAB could hold onto your data for anywhere between 18 … So all my essential bills (mortgage, power, phone, etc.) I did have trouble syncing multiple accounts … How I use You Need a Budget. However, I am wondering what (if anything) people find it helpful to have separate accounts for? The main reason for other accounts is to get better interest rates on longer term savings. I have the honor to be your obedient servant. If the purpose of the money matters more than the location, multiple accounts is just creating a lot of extra work and hassle for yourself for little benefit. YNAB account passwords are using industry best practices (one-way salted and hashed, using multiple iterations of a key derivation function for passwords). So his CC, his checking, his savings, his venmo, they are all in there and everything is kept straight. But not sure if the extra work to set this up and manage it is worth it? . Check to be sure your account is linked: From Accounts, select the account then Edit. All YNAB data is encrypted and on Heroku on an AWS (Amazon) stack, the same technology used by the CIA. If you don’t see those, link your account with the connection. YNAB handles all this flawlessly and all accounts feed money in, and YNAB keeps the spending categories straight with their proper funds. It doesn’t matter where the money sits. Granted, there might be some protection from the bank, but until they're done investigating, they don't return your money. Tutorial will walk you through every single detail of using credit cards YNAB! You don ’ t matter whether you use YNAB 's very stressful and frustrating,! Would rarely spend from, not even having a debit card is a desktop to... And all of these purchases are backed by cash and are budgeted for something else accounts as much as,! 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