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re: YNAB question...overspending for large purchases

Posted on 6/25/22 at 11:22 am to
Posted by TheOcean
#honeyfriedchicken
Member since Aug 2004
43309 posts
Posted on 6/25/22 at 11:22 am to
So there's no way to make a large purchase using multiple months? I try not to dip into other spending categories
Posted by plaric
Pike Road, Alabama
Member since Jun 2011
2209 posts
Posted on 6/25/22 at 11:28 am to
Your money goes to the allocation. You spend only what is in the allocation. If you don’t have enough, you are not able to do it.

If you are spending every penny every month then you are at a disadvantage because you won’t build up greater amounts.

IE, $400 a month but only spend 2-300. You can afford bigger purchases every so often.

This post was edited on 6/25/22 at 11:29 am
Posted by SaintTiger80
Member since Feb 2020
471 posts
Posted on 6/25/22 at 11:31 am to
You could wait till next month then make the big purchase.. or if you know the big purchase is coming save for it in the previous months.

It defeats the purpose of the budget if you are spending next months money before you have it. Or going into debt; when you should have an emergency fund.
Posted by JohnnyKilroy
Cajun Navy Vice Admiral
Member since Oct 2012
36320 posts
Posted on 6/25/22 at 10:07 pm to
quote:

So there's no way to make a large purchase using multiple months? I try not to dip into other spending categories



No. The whole point of YNAB is not spending money you don't have yet.
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