YNA 3

USEFCU0E

www.youneedabudget.com


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1. CettIngStarted 1
1.1. CettIngStarted 16
1.2. FIndIngyourwayaroundYNA8JNavIgatIon 68
1.J. What'sNewInYNA8J: 8
1.4. nstructIonal7Ideos 89
2. Clossary 10
2.1. Clossary 1015
J. Accounts 16
J.1. CreatInganewCheckIngAccount 1617
J.2. AccountActIons 1719
J.J. HIdIngAccounts 19
J.4. HowtheFegIsterAffectsthe8udget 1922
J.5. AccountTypes 2224
J.6. FreshStart 2425
J.7. DnandDff8udgetAccounts 2526
J.7.1. Dff8udgetAccountsLIabIlItyAccounts 2628
J.7.2. Dff8udgetAccountsAssetAccounts 2829
J.8. ErrorCheckIng 29J0
J.8.1. FemInders J0J1
J.8.2. WarnIngs J1JJ
J.8.J. Errors JJJ4
J.8.4. CommonCausesforErrors J4
J.8.4.1. 0ealIngwIthaHybrIdCredItCard J4J9
J.9. TransactIons J940
J.9.1. FecordIngncome/Paycheck 4041
J.9.2. FecordIngSpendIng 4142
J.9.J. 0eletIngaTransactIon 424J
J.9.4. |ovIngaTransactIontoadIfferentaccount 4J44
J.9.5. EdItIngTransactIons 4445
J.9.6. SortIngTransactIons 4546
J.9.7. FlaggIngTransactIons 46
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J.9.8. 8ulkCategorIzIngTransactIons 4647
J.9.9. FeconcIlIngyourYNA8accountswIthyour8ank 47
J.9.10. FegIsterFIelds7IewDptIons 4748
J.9.11. SearchIngAccounts 4849
J.9.12. FeorderIngAccountTabs 4950
J.9.1J. SplItTransactIons 5052
J.10. Transfers 525J
J.10.1. Dn8udgettoDn8udgetTransfer 5J54
J.10.2. Dff8udgettoDff8udgetTransfer 5455
J.10.J. Dn8udgettoDff8udgetTransfer 5556
J.10.4. Dff8udgettoDn8udgetTransfer 5658
J.11. CredItCardAccounts 58
J.11.1. CreatIngaCredItCardAccount 5860
J.11.2. 8udgetIngforPrIor0ebt 6061
J.11.J. 8udgetIngforNewPurchasesonaCredItCard 61
J.11.4. |akIngPurchaseswIthaCredItCard 6162
J.11.5. |akIngaCredItCardPayment 626J
J.11.6. nterestandFeesonCredItCardAccounts 6J64
J.12. HandlIng0ebtInYNA8 64
J.12.1. HandlIng0ebtInDn8udget0ebtAccounts 6468
J.12.2. HandlIng0ebtInDff8udget0ebtAccounts 6872
J.1J. CashAccounts 72
J.1J.1. CreatIngaCashAccount 727J
J.1J.2. HowtorecordaCashTransactIon 7J
J.14. mportIngTransactIons 7J
J.14.1. mportInghIstorIcaldatafromanotherprogram 7J74
J.14.2. mportIngTransactIonsdIrectlyfromyourbank'swebsIte 7475
J.14.J. mportedFIleFormatTypes 75
J.14.4. mportIngafIlethatyouhavealreadydownloadedfromyour
bank.
7578
J.14.5. CategorIzIngmported8ank0ata 78
J.14.6. PayeeSettIngs 7880
J.14.7. |atchIngmportsagaInstmanuallyenteredtransactIons 8081
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J.14.8. mportIngCS7FIles 81
J.15. SavIngsAccounts 81
J.15.1. CreatIngaSavIngsAccount 8182
J.15.2. EnterIngDutflowsfromaSavIngsAccount 828J
J.16. StartIngInDverdraft 8J84
J.16.1. DverdraftCheckIngAccount 84
J.16.1.1. SettIngUpTheDverdraftCheckIngAccount 8485
J.16.1.2. 8udgetIngfortheDverdraft8alance 8586
J.16.1.J. 0ealIngwIthDverdraftDverTIme 8689
J.16.1.4. DverdraftnterestandFees 89
J.17. LIneofCredItAccounts 8990
J.17.1. SeparateLIneofCredItthatYouSpendfrom0Irectly 90
J.17.2. SeparateLIneofCredItThatActsasaLoan 909J
J.18. Scheduler 9J
J.18.1. EnterIngaScheduledTransactIon 9J94
J.18.2. 0eletIngaScheduledTransactIon 9495
J.19. nterestandFees 95
J.19.1. nterestandFeesInDn8udgetAccounts 9596
J.19.2. nterestandFeesInDff8udgetAccounts 96
4. 8udget 97
4.1. 8udgetScreen 97
4.1.1. 8udgetHeaderandFooter 9798
4.1.2. 8udgetedColumn 9899
4.1.J. DutflowColumn 99101
4.1.4. Category8alanceColumn 101102
4.1.5. CustomIzIngCategorIes 102
4.1.6. CreatIngaNew|asterCategory 10210J
4.1.7. CreatIngaNewCategory 10J
4.1.8. 0ragand0roptoDrderCategorIes 10J
4.1.9. HIdIngCategorIes 10J104
4.1.10. 8udgetIngtheAvaIlableNumber 104
4.1.11. QuIck8udget 104105
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4.1.12. SuggestIve8udgetIng 105
4.1.1J. 8uIltInCalculator 105106
4.1.14. AddIngNotes 106107
4.1.15. CreatIngaCashCategory 107
4.1.16. AvaIlableFundsFollForward 107109
4.1.17. 0ostIllneedmy8uffercategoryInYNA8J: 109110
4.1.18. |yAvaIlablenumberchangedafterupgradIng.Whatdodo: 110
5. Feports 111
5.1. HowtoUseFeports 111
5.2. Netncome/NetWorth 111112
5.J. SpendIngTrends 112114
5.4. SpendIngTotals 114115
6. FrequentlyAskedQuestIons 117
6.1. TheFourFulesofYNA8 117
6.1.1. WhatIsFuleDne: 117119
6.1.2. WhatIsFuleTwo: 119122
6.1.J. WhatIsFuleThree: 122124
6.1.4. WhatIsFuleFour: 1241J4
6.1.5. WhatIsmyYNA88uffer: 1J4
6.2. FAQsAccounts 1J4
6.2.1. SplItTransactIons 1J41J7
6.2.2. HowdohandlereImbursements: 1J71J8
6.2.J. HowdohandleFlexIbleSpendIngAccounts: 1J81J9
6.2.4. HowdocreateacategoryfromtheFegIster: 1J9140
6.2.5. Whatareflagsusedfor: 140
6.2.6. WhereshouldkeepmybufferandraInydayfunds: 140
6.2.7. WhatdodowIthextrapaychecksandIncome: 140141
6.2.8. Whyshouldn'tImporthIstorIcaldatafromanotherprogram: 141
6.2.9. HowdoenterPaycheckdeductIons: 14114J
6.2.10. HowdochangehowYNA8handlesmydownloadedbankfIles: 14J144
6.2.11. WhyaretherenocategorIesonsomeofmyaccounts: 144
6.J. FAQs8udget 144
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6.J.1. HowdosaveforbIgexpensesandbIlls: 144
6.J.2. Canchangemybudgetthroughoutthemonth: 144145
6.J.J. HowdobudgetwIthoutonemonth'sIncomesaved: 145
6.J.4. What'sthedIfferencebetweenDverSpendIngandDver
8udgetIng:
145146
6.J.5. HowdoesYNA8handleDverSpendIng: 146147
6.J.6. HowdoesYNA8handleDver8udgetIng: 147
6.J.7. HowdogIveeverydollarajob: 147148
6.J.8. HowdostoplIvIngpaychecktopaycheck: 148
6.J.9. ampaIdeverythreemonths.HowdodealwIththIs: 148151
6.4. FAQs|Iscellaneous 151
6.4.1. ampaIdonthelastdayofthemonth.0oalreadyhavea
8uffer:
151
6.4.2. HowdodealwIthCash: 152
6.4.J. HowdostartInthemIddleofamonth: 152
6.4.4. Canexportmydata: 15215J
6.4.5. HowdoprInt: 15J
6.4.6. Howdobackupmybudget: 15J
7. KeyboardShortcuts 154
7.1. 8udgetShortcuts 154
7.2. CalculatorShortcuts 154
7.J. CalendarShortcuts 154
7.4. 0ateShortcuts 154
7.5. ClobalShortcuts 154155
7.6. FegIsterShortcuts 155156
7.7. SchedulerShortcuts 156
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YNA8IspersonalbudgetIngsoftwarewIthapowerfulfInancIalmethodologydesIgnedtoImplementYNA8's
FourFulesofCashFlow:

FuleDne ToalIgnyourmoneywIthyourvalues,andreachyourfInancIalgoalsfasterthanyouprevIously
thoughtpossIble.
FuleTwo Toevenoutyourcashflow,prepareforlargeexpenses,andelImInatethosesocalled
'emergencIes'youalwaysrunInto.
FuleThree TomakesureyoubouncebackandstIcktoyourplanwhenmIstakeshappen.
FuleFour ToelImInatestress,handleavarIableIncomewIthease,andmakeyourbIllpayIngmuchmore
effIcIent.

YNA8worksbestIfyouarefamIlIarwIththesefourrulesandhowtheyworkInthesoftware.Sowe
encourageyoutoreadaboutthemfIrst. Fornow,we'llbegInbyshowIngyou:
1. Howtosetupyouraccounts
2. Howtosendmoneytothebudgetscreen.
J. HowtochangeandadjustyourcategorIes
4. HowtosetupyourfIrstbudgetandassIgnmoneytocategorIes.

Step 1 - Set up your checkIng account:
ClIckontheAddAccountbutton toaddyourCheckIngAccount.(0on'tworry,we'lladdyourotherAccounts
later.)
ApopupwIllappearaskIngfortheInformatIonregardIngthIsaccount.
Enterthenameoftheaccount:
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1.1 CettIngStarted
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Thenenterthemostcurrentbalanceontheaccount:
ClIckonthedropdownarrowtoopenthecalendar,andthenselectastartIngdatefortheaccount:
|akesureyouenteranaccurateaccountbalance. 0etermInIngyourtruebalance canbe lIketryIngto
hItamovIngtarget. YouraccountbalanceIsalwayschangIngasmoneycomesInandoutofyourlIfe.
|akesureyousubtractanyoutstandIngdraftsthatthebankdoesnotknowabout.
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FInallyselectanaccounttype(TypIcallyCheckIngforyourfIrstaccount) fromthedropdownchoIces:

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WhenyouarefInIshed,clIckonCreateAccount.ApopupappearstellIngyoutheaccountwassuccessfully
created:

Step 2 - A new account tab has been created.
DnthelefthandsIdeofthescreenanewaccounttabhasbeencreated:


DntheaccounttabyouwIllseetheworkny bclcnceofyouraccount.
AtthebottomrIghtofyouraccount,youwIllseeyourclecred bclcnce, atotalofunclecred trcnscctons
andyourworkny bclcnce


Step3 - Learn how money Is sent to the budget.
ThestartIngbalanceofyourcheckIngaccountIsmoneythatIsavaIlabletobebudgeted. nyourcheckIng
account,yourstartIngbalancetransactIonhasbeenautomatIcallycategorIzedaslncome Avclcble Ths
Month. ThattellsYNA8thatthIsmoneyIsavaIlabletobebudgetedrIghtaway.
Asyoucansee,lncome Avclcble Ths MonthwasselectedfromthedropdownmenuoptIonsInthe8udget
CategoryFIeld.

NotIce that by defauIt, YNA has entered your fIrst transactIon as lncome - Avalable Ths Month.
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Step4 - hove to the udget Screen.
ClIckonthebudgettabtomovetothe8udgetScreen.

Asyoucansee,TheS1000InItIaltransactIonthatwasenteredaslncome Avclcble Ths MonthInyour
checkIngaccountnow appearsInthe8udgetHeaderaspartofofthemoneywehaveAvclcble to 8udyet.



Step5 - Set up your categorIes.
You can now add, deIete and rename haster CategorIes and CategorIes.
ClIckonaMcster CcteyorytoaddnewcategorIes,edIt,orremoveexIstIngcategorIes. Youcanusethe
defaultcategorIesfornowIfyoulIke,andcomebackandmakechangesanytIme.
ToaddaMcster Ccteyory,clIckontheAddCategorybuttonatthetopofthecategorycolumn.
TypethenameofthenewcategoryIntheboxthatappears,andthenclIck0DNE. Thenewcategoryhas
beenaddedtothe8udgetScreen.

Step6 - udget your avaIIabIe money.
nthebudgetcolumnforthecurrentmonth,enterhowmuchmoneyyouwanttoassIgntoeachcategory,
untIlyourAvclcble to 8udyetamountIsS0. ThIsIsRule DneInactIon!


nthepIctureabove,theuserstartedoutwIthS1000AvaIlableto8udget.TheythenbudgetedS200Into
DneofthegoalsofYNA8IstostoplIvIngpaychecktopaycheckbylIvIngonlastmonth'sIncome. ThIsIs
Rule Four. DnceyouhavearrIvedatFuleFour,youcandeferyourpaycheckstothenextmonthby
enterIngthemasncome AvaIlableNext|onth. However,whenyouarefIrststartIngout,you'llmost
lIkelyneedyourpaychecksInthecurrentmonthsoyou'llenterthemasncome AvaIlableThIs|onth
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CrocerIesandS100IntoFestaurants. 8udgetedbelowIsatotalofexactlythat everythIngthathasbeen
budgetedbelowtheheader. nthIscase SJ00sofar. Theamountbudgetedbelowhasbeensubtracted
fromAvclcble to 8udyetsowenowhaveS700leftthatweneedtoassIgntocategorIes.
fyouhaveanymoneyleftover,ItwIllbecarrIedovertonextmonth's"Avclcble to 8udyet" Asyoumove
forward,yourgoalshouldbetocarryoverenoughmoneyeachmonthsoyoueventuallyhavesavedup
enoughsoyoucanbudgetforonemonthwIthouttouchIngyourpaychecks. WhenthIshappens,youwIll
havesavedupwhatwecallthe8u]]erandarrIvedatRule Four!
t'snowtImetoaddyourotheraccounts:
TolearnhowtoaddaSavIngsAccountclIckhere
TolearnhowtosetupyourCredItCardAccountsclIckhere.

ForaddItIonalhelpsee:
FecordIngncome
FecordIngSpendIng
TheFourFulesofYNA8



TomovebetweenAccounts,the8udgetScreen,andFeports,clIckonthetabstothefarleftofthe
applIcatIon:

fyouarejuststartIngout,anddon'thaveonemonth's Incomesaved,youwon'tbeableto budgetthe
entIremonthatonce. That'sokay justprIorItIzeyourbudgetIngand askyourselfthIsquestIon: What
doesthIsmoneyneedtodobeforeampaIdagaIn: 8udgetforthoseexpensesandthentrackyour
spendIng. WhenyouarepaIdagaIn FEPEAT! EnteryourIncome,budgetIt,andrecordspendIng.
Fule FoursaysLIveonLast|onth'sncome,sothat'stheamountyou'llwanttosavetobuIldyourYNA8
8uffer. However,togetthebufferInplace,allyoureallyneedtodoIssaveupDne honth's Expenses.
Forexample,IfyourIncomeIsS4,000amonth,butyouknowyoucangetthrough onemonthwIth
SJ,000,thenonceyousavetheSJ,000,allyouneedtodoIsgetthroughthatmonthwIthouttouchIng
yourpaychecks. Afterthat,yourbufferwIllbereplenIshedbyyourIncomeandyouwIllhavearrIvedat
FuleFour!
1.2 FIndIngyourwayaroundYNA8J NavIgatIon
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ThIshelp guIde IncludesaQuIckHelpmenuwhIchIslocatedatthebottomleftoftheapplIcatIon. tcanbe
mInImIzedbyclIckIngonthetab.

TheQuIckHelp|enuwIllchangedependIngonwhIchsectIonoftheapplIcatIonyouareIn.
Accounts:



udget:

Peports:
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Dnthe8udgetScreenatthetopthereIsatImelInewhIchcanhelpyoumovebackorforwardtodIfferent
months.


ClIckontheblueslIderandmoveIttotherIghtorleftto vIewdIfferentmonths. Thenumberofmonths
vIsIbleIntheblueslIderwIllmatchthenumberofmonthsvIsIbleInthebudgetscreen. ThearrowsInthe
leftandrIghtcornerswIllmoveyoutomonthsthatarecurrentlynotvIsIbleInthetImelIne.
ntheFeportsScreenthereIsatImelIneatthebottomoftheapplIcatIon.
Peports TImeIIne
8yclIckInganddraggIngtheSlIdertabsattheendoftheblueslIderyoucanbrIngmoremonthsIntovIew.
YNA8JhasbeenredesIgnedfromthegrounduptohelpyouImplementYNA8'sFourFulesofCashFlow
fasterandeasIerthaneverbefore.Here'swhatyoucanlookforwardtoInYNA8J.

AvaIlableFundsFollForward
nYNA8J,anyAvaIlablefundsthatyouhavenotbudgetedrollforwardtobecomeapartofnextmonth's
startIngbuffer.

TransactIonSearch/FIlterIng
ClIckonthesearchboxatthetop ofanaccounttoquIcklyfIndanytransactIon.

mprovedFeportIng
YNA8knowsthatreportsshouldbemorethanjustprettycharts. That'swhyeveryreportIspackedwIth
realnumberssoyoucanansweryourquestIonsaboutyourspendIngandnetworth.

DverspendIngFlexIbIlIty
NowIfyouwantoverspendIngInacategorytoaffectonlythatcategory,justclIckanarrowandIt'sdone!

0ragand0roptoDrderCategorIes
NowyoucanquIcklyandeasIlyprIorItIzeyourbudgetcategorIesbywhatmattersmosttoyou.

LearntoLIveoffLast|onth'sncome
NowYNA8helpsyoubuIlda 8ufferofonemonth'sIncomeeasIerthaneverbeforebyshowInghowtogrowIt
overtIme!
1.J What'sNewInYNA8J:
1.4 nstructIonal7Ideos


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ThesevIdeosprovIdeInstructIonontheYNA8|ethodologyand theYNA8JSoftware. ThelInkswIlltakeyou
tothe youneedabudget.comwebsItewherethevIdeosarehosted.

CotothenstructIonal7Ideos


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A
Account
PartoftheYNA8FegIster,whereyoukeeptrackofyourrealworld,physIcalaccounts.
Snce l hcve c checkny cnd scvnys cccount, l hcve two accounts set up n YNA8.

Account aIance
ThebalanceofanygIvenaccount
"My checkny account balance s much hyher now thct l hcve c bu]]er!"

Approved
AlltransactIonsthatareenteredautomatIcally(eItheranImportedorascheduledtransactIon)
needtobeapprovedorrejected. AnapprovedtransactIonIsonethatyouhaveassIgneda
categoryandverIfIedIscorrect
"l ]ust mported J trcnscctons. A]ter revewny them cnd ver]yny thct they were correct, l
aroved them."

AvaIIabIe to udget
ThIsIstheamountofmoneythathasbeenenteredasIncome,buthasnotyetbeenassIgnedto
categorIes(jobs). WhenyouarefIrststartInganddonothaveabuffer,yourgoalshouldbeto
leaveaposItIveamount"AvaIlabletobudget"eachmonth.ThIswIllrollforwardtonextmonth.
EventuallyyouwIllhaveenoughofabufferbuIlttolIveforanentIremonthwIthouttouchIng
yourpaychecks.
AfterthatpoIntyouwIllbeabletolIveofflastmonth'sIncome.ThIsIsFuleFour.Dnceunder
FuleFour,youwIllbudgetyouravaIlabletozeroeachmonth,gIvIngeverydollarajob.
"8etween my ]ob cnd rentcl ncome, l hcve $2500 Avalable to udyet ecch month."

udget
AspendIngplanforallofyourmoney
"l crected my YNA8 udyet to orycnze cll o] my monthly ncome cnd expenses."

udgeted
|oneythathasbeenassIgnedhasbeenassIgnedtoaspecIfIccategory. Note:Youarenot
spendInganymoneyInthebudgetIngstep,justsettIngItasIdeforaspecIfIcpurpose.
"l've budyeted $50 towcrd clothny, so l ccn buy ths cool Tshrt when t ]nclly yoes on scle."

uffer
TheequIvalentofonemonth'sIncome,whIchoncesaved,wIllallowyoutousepaychecks
receIveddurIngthecurrentmonth,InthefollowIngmonth,removIngyoufromthe"Paycheckto
Paycheck"cycle.
fyoudonothaveabuffer,werecommendthatyouworktowardsavIngone. DnceyourInItIal
2 Clossary
2.1 Clossary
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bufferIssaved,ItIsreplenIshedbyyourmonthlypaychecks.
"l ]nclly hcve c $4,000 bujjer, so now l ccn hold my pcychecks to use next month."


C
Category
JobdescrIptIonsforyourmoney
"l spent $200 n my yroceres cateyory lcst month."

Category aIance
TheamountremaInIngInanIndIvIdualcategory. ThIsequalsanyposItIvebalancefromthe
prevIousmonth,plustheamountyoubudgetedInthatcategorythIsmonth,mInusanythIng
you'vespentInthatcategorythIsmonth. AnyamountthatIsleftoverInapartIcularcategory
balancewIllremaInInthatcategoryuntIlyouspendItormoveIt.
"l spent $100 n my ]un money ccteyory, but snce l budyeted $J00, there s stll c cateyory
balance o] $200."

CIeared aIance
Yourcleared balanceamountIsthetotalonaspecIfIcaccountthatshouldmatchyourbank
balance. tIncludesalltransactIonsthatthebankknowsaboutandthathavebeenmarkedas
cleared.
mportedtransactIonswIllautomatIcallybemarkedasclearedwhenyouacceptthetransactIon
InyourregIster. fyoumanuallyenteryourtransactIons,youwIllbeabletomanuallymark
transactIonsasclearedonceyouseethattheyhaveappearedonyourbankstatement.
"Now thct l've reconcled my bcnk stctement wth YNA8, my cleared balance mctches the
bcnk."
F
FIag
FlagsareabuIltIntoolyoucanusetomarkatransactIonforanyreasonyoudetermIne.
8udgetersuseflagsformanydIfferentreasons. YoucanusethemtomarktransactIonsyouwIsh
torevIsIt;tomarktransactIonsmadewIthdebItcardsaspecIfIccolor I.e. greenforAT|
transactIons, etc.t'sentIrelyuptoyou.
"l used the yreen jlay to mcrk cll my ATM trcnscctons so l ccn ]nd them quckly."

I
Imported TransactIon
mportedTransactIonsaretransactIonsthatyoudownloadedfromyouronlInebankandthen
ImportedIntoYNA8. ThesetransactIonsareenteredautomatIcally,butmustberevIewed,
categorIzed,andapprovedaftertheyareImported,beforetheywIllImpactthebudget.

Income - AvaIIabIe Next honth
Whenyouselectncome AvaIlableNext|onth,theamountenteredwIllbecomeavaIlablefor
budgetIngdurIngthefollowIngmonth. Forexample,IfthedateenteredIsaSeptemberdate,
themoneywIllbeavaIlableInDctober.
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Income - AvaIIabIe ThIs honth
Whenyouselectncome AvaIlableThIs|onththeamountenteredwIllbecomeavaIlablefor
budgetIngdurIngthemonthofthedateyouenteredforthetransactIon. Forexample,Ifthe
dateenteredIsaSeptemberdate,themoneywIllbeavaIlableInSeptember.

InfIow
AtransactIonyouenterIntoanyofyouraccountregIstersforanymoneythathasenteredyour
lIfe. ThIscouldbemoneyyouhaveearned,moneyyouhavefound,ormoneythathasbeen
gIventoyou.

"Dne o] my njlows ths month wcs ]or money l receved cs c bonus ]rom work."

h
haster Category
AnorganIzatIonalcategorytohelpyougroupsImIlarcategorIestogether.
Note: You cannot budget dIrectIy to a haster Category, onIy the categorIes assocIated wIth
It.
"l keep ccr repcrs, ycs, cnd ccr pcyments under the Master Cateyory o] Trcnsportcton."


N
Net Income
nreferencetoYNA8Feports: theamountofIncomeremaInIngafterexpenses
Net Worth
nreferencetoYNA8Feports:yourassetslessyourlIabIlItIes
D
DutfIow
AtransactIonyouenterIntoanyofyouraccountregIstersforanymoneythathasleftyourlIfe.
AnytImeyouspendmoney,loanmoneytoafrIend,etc...
"l hcd c $00 outjlow beccuse o] ccr repcrs."

Dver-udget
WhenyoubudgetmoremoneythenyouhaveavaIlabletobudget.
"My ncome wcs only $2000, but l budyeted $2500, cnd thct brouyht me over-budyet."

How0oesYNA8HandleDver8udgetIng:
Dver-SpendIng
WhenyouspentmoremoneythanyoubudgetedInaspecIfIccategory
"l budyeted $25 n ]un money, but the $50 ycme l bouyht crected $25 n oversendny n thct
ccteyory."

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HowdoesYNA8HandleDverSpendIng:
P
Payee
ForanDutflow,whoeverreceIvesthemoneyyouarespendIng.Forannflow,whoeverpaysyou
themoney.
"Snce l mcde the purchcse ct Wclmcrt, l entered Wclmcrt cs the Payee"

uIck udget
AllowsyoutoInstantlycopyamountsthatwerebudgetedInaprevIousmonthtothenextmonth.
"Quck budyet scves me c lot o] tme ecch month, snce l ccn duplccte lcst month's budyet
wth one clck."

ClIckheretolearnhowtousetheQuIck8udgetFeature
P
PegIster
TheplacewhereyoukeeptrackoftransactIonsInyouraccounts
"l've yot three cccounts set up n my YNA8 reyster."

PemInder
AremInderwIllappearIntheregIsterpageIfyouhaveanImportedtransactIonthatyouhave
notapprovedorcategorIzed,andwhenascheduledtransactIonIsenteredIntoaregIster. To
removetheremInder,categorIzeand/orapprovethetransactIon.
"Snce l ]ust mported n]o ]rom my bcnk, l hcve 10 remnders to revew those trcnscctons."

PuIe Four
"Sto Lvny Paycheck to Paycheck"
Amoneymanagementmethodologythatremovesyoufromthepaychecktopaycheckcycleand
allowsyoutolIveonlastmonth'sIncome. ncomeearnedInthecurrentmonthIsnotbudgeted
orspentuntIlthefollowIngmonth.

PuIe Dne
"Cve Every 0ollar A Job"
Fule DneIszerobasedbudgetIngmadeeasy.ZerobasedbudgetIngmeansyoumustfIrst
budget orplanfor everydollarofmoneyyouhaveavaIlable,andthenadjustIfneeded.
ThIsdoesn'tmeanyouareactuallyspendIngeverypennyofIncomeInthemonthyoureceIveIt,
justsettIngupaplanforIt. fyouhavemoneyleftattheendofthemonththathasnotbeen
assIgnedajob,YNA8rollsItforwardtobecomeapartofnextmonth'sStartIng8uffer.
PuIe Three
"Roll wth the Punches"
YNA8wIllkeeptrackofanyoverspendIngthathappenswIthInacategory.WhenacategoryIs
overspentInthecurrentmonth,ratherthancarryIngthenegatIvebalanceIntothesame
categorythefollowIngmonth,thatcategoryIsautomatIcallyzeroedoutandtheoverspent
YNA8JUserCuIde
1J YNA8JUserCuIde
amountIsdeductedfromnextmonth'sStartIng8uffer.
fyouwouldpreferthenegatIveamounttocarrytothesamecategorythefollowIngmonth,you
canturnoffFule Threeforthatcategory.

PuIe Two
"Save jor a Rany 0ay"
FuleTwohelpsyouprepareforthosebIllsthatdon'tcomeeverymonthandforthoseunplanned
expensesthatareasInevItableas.well,raIn.8ybudgetIngtocategorIesfortheseexpenses
eachmonth,youwIllbuIldupasurplus.fyoudonotspendthemoneyyouhavebudgeteddurIng
amonth,FuleTworollsthecategorybalanceforwardtothenextmonth,buIldIngItovertIme
untIlyouneedIt.

S
ScheduIed TransactIon
AtransactIonthatyouhavesetupInadvanceandwIllbeenteredforyoubytheschedulerwhen
thescheduleddatearrIves.
"l hcve set up c scheduled transacton ]or my electrc bll to be entered nto my checkny
cccount on the 2Jrd."


SortIng TransactIons
TransactIonscanbesortedbyclIckIngonanycolumnheader- (cleared,date,payee,
Error/FemInder,category,memo,Infloworoutflow).
"l ccn ecsly see cll my purchcses ]or ycs by sortny transactons by ccteyory."

SpIIt TransactIon
YNA8hasabuIltInSplItTransactIonfeaturethatcanbeusedwheneverasIngletransactIon
affectsmorethanonecategory. ThIscanbefoundInthecategorydropdownmenu. SImply
select"SplIt|ultIple"andmorerowswIll appearallowIngyoutodIvIdetheamountofthe
transactIonIntomorethanonecategory.
"l entered c slt transacton snce my pcyment ncluded money spent ]rom my yrocery
ccteyory cnd my ]un money ccteyory."


T
TotaI Assets
nreferencetoYNA8Feports:anyaccountsorotherItemsyouhaveIncludedInYNA8thathave
monetaryvalue(car,house,checkIngaccount,etc.)
TotaI LIabIIItes
nreferencetoYNA8Feports:anyaccountsyouhaveIncludedInYNA8whereyouowemoney
(mortgage,carloan,credItcardaccount,etc.)
TransactIon
Arecordofanymovementofmoney,whetherItIsanoutflow,Inflow,ortransferbetween
anotheraccount.
"A]ter enterny ths week's transactons, l could look ct my budyet cnd see thct l'm stll on
trcck."
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14 YNA8JUserCuIde

Transfer
AtwoparttransactIonthatmarksthemovIngofmoneyfromoneaccounttoanother.
ForeachtransferyouwIllcreateanoutflowfromoneaccountandYNA8wIllcreatethesecond
partofthetransferbycreatInganInflowtransactIonIntheotheraccount
"l ]ust mcde c transjer o] $100 ]rom my checkny cccount to my scvnys cccount."


U
Unapproved
AnytransactIonthatwasImportedandthathasnotyetbeenrevIewedbyyouandmarkedas
approved. AremInderwIllappearnexttothetransactIonuntIlItIsapproved.
"The lcst mport ]rom my checkny cccount crected 20 unaroved trcnscctons thct l need to
revew."

UncIeared TransactIons
8ecauseyoucanentertransactIonsthatyourbankdoesn'tyetknowabout(ForExample:You
makeapurchaseonSaturdaynIghtthatdoesn'tappearonyourbankstatementuntIl|onday),
YNA8keepstrackofalltransactIonsthatyouenter,evenbeforetheyclearthebank,and
provIdesyouwIthatotalofyourunclearedtransactIons. UnclearedtransactIonsIsthetotalof
alltransactIonsthathavenotclearedthebank,orInotherwords,thatthebankdoesn'tknow
aboutyet.
"The three checks thct hcven't clecred the bcnk totcl $J00, whch mctches the totcl o] my
uncleared transactons."

W
WorkIng aIance
YourworkIngbalanceIsthetotalofyourcleared balanceandyourunclearedtransactIons.

Snce the $100 check ]or the ccr repcr hcs not clecred the bcnk, my clecred bclcnce s $100
more thcn my workny bclcnce.


YNA8JUserCuIde
15 YNA8JUserCuIde
Step 1 - Set up your CheckIng Account:
ClIckontheAddAccountbutton toaddyourCheckIngAccount.
ApopupwIllappearaskIngfortheInformatIonregardIngthIsaccount. Enterthenameontheaccount,the
startIngbalance,thestartIngdateandselectcheckIngfromtheaccounttypedropdownmenu.

Step 2 - A new account tab has been created.
DnthelefthandsIdeofthescreenanewaccounttabhasbeencreated.


DntheaccounttabyouwIllseetheworkny bclcnceofyouraccount.
AtthebottomrIghtofyouraccount,youwIllseeyourclecred bclcnce, atotalofunclecred trcnscctons
andyourworkny bclcnce

J Accounts
J.1 CreatInganewCheckIngAccount
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16 YNA8JUserCuIde
Step3 - Learn how money Is sent to the budget.
ThestartIngbalanceofyourcheckIngaccountIsmoneythatIsavaIlabletobebudgeted. nyourcheckIng
account,yourstartIngbalancetransactIonhasbeenautomatIcallycategorIzedaslncome Avclcble Ths
Month. ThattellsYNA8thatthIsmoneyIsavaIlabletobebudgetedrIghtaway.
Asyoucansee,lncome Avclcble Ths MonthwasselectedfromthedropdownmenuoptIonsInthe8udget
CategoryFIeld.

CategoryncomeAvaIlableThIs|onth

Step4 - hove to the udget Screen.
ClIckonthebudgettabtomovetothe8udgetScreen.


Asyoucansee,TheS1000InItIaltransactIonthatwasenteredaslncome Avclcble Ths MonthappearsIn
the8udgetHeaderaspartofofthemoneywehaveAvclcble to 8udyet.


ToactIvateanaccountandseetheregIsterforthataccount,clIckonthecorrespondIngaccounttabonthe
lefthandsIdeofthescreen.
WIthIneachaccountregIsterthereIsamenuforAccountActIonsatthetopofthescreen.

ClIckIngonthedownarrowpresentsthefollowIngmenu:
DneofthegoalsofYNA8IstostoplIvIngpaychecktopaycheckbylIvIngonlastmonth'sIncome. ThIsIs
Rule Four. DnceyouhavearrIvedatFuleFour,youcandeferyourpaycheckstothenextmonthby
enterIngthemasncomeAvaIlableNext|onth. However,whenyouarefIrststartIngout,you'llmost
lIkelyneedyourpaychecksInthecurrentmonthsoyou'llenterthemasncomeAvaIlableThIs|onth
fyou'dlIkethemoneytobeavaIlablefornextmonth,justchooselncome Avclcble Next Monthfrom
thedropdownchoIces.
J.2 AccountActIons
YoucanalsoaccesstheAccountActIons|enuslIstedbelowbyrIghtclIckIngonanaccounttab.

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17 YNA8JUserCuIde

8alancesforhIddenaccountsarenotIncludedIntheamountonthemaInaccounttab. TovIewahIdden
account,clIckon7EWH00ENbuttonandselecttheaccountyou'dlIketoseeagaInfromthedropdown
choIces.


fyouclIckonEdItPropertIes,youaregIvenevenmoreoptIons:

Youcanchangethenameoftheaccount,hIdeordeletetheaccount,adjusttheworkIngbalance,and
changetheaccounttypeallfromthIsmenu.
You'llnotIceanotheroptIonforSet/AdjustthIsaccount'sbalance.

AccountsthathavetransactIonsassocIatedwIththemcannotbedeleted. tIsrecommendedthatyou
hIdethemInstead.
YNA8JUserCuIde
18 YNA8JUserCuIde

ThIswouldbeusedIfforexampleyouaretryIngtoreconcIleyouraccountandyoucan'tmakeItbalance.
Fatherthenhuntforthe17centsInquestIon(orwhateveramountItmaybe)youcanhaveYNA8update
yourbalanceforyou.
SImplyenterthenewamountandclIckAdjust8alance. YNA8wIllthenenteratransactIonforyouInthe
amountofthedIfferencetoadjustthebalance. ThetransactIonwIllbecategorIzedaslncome Avclcble
Ths Month
SampIe ScenarIo 1:
YourbankthInksyouhaveS1000.00. YNA8thInksyouhaveS990.00. YoucannotfIndthedIscrepancyso
youaskYNA8 toadjusttheworkIngbalance.
YNA8wIllenterann]lowofS10.00andcategorIzeItaslncome Avclcble Ths Month. Younowhave
S10 |DFE Avclcble to 8udyet.
SampIe ScenarIo 2:
YourbankthInksyouhaveS990.00. YNA8thInksyouhaveS1000.00. YoucannotfIndthedIscrepancyso
youaskYNA8 toadjusttheworkIngbalance.
YNA8wIllenteranout]lowofS10.00andcategorIzeItaslncome Avclcble Ths Month. Younowhave
S10 LESS Avclcble to 8udyet.
TohIdeanaccount,hIghlIghttheaccountyou'dlIketohIdebyclIckIngontheaccounttab.
WIthIneachaccountregIsterthereIsamenuforAccountActIonsatthetopofthescreen.

ClIckIngonthedownarrowpresentsthefollowIngmenu:



J.J HIdIngAccounts
8alancesforhIddenaccountsarenotIncludedIntheamountonthemaInaccounttab. TovIewahIdden
account,clIckon7EWH00ENbuttonandselecttheaccountyou'dlIketoseeagaInfromthedropdown
choIces.
YoucanalsoaccesstheAccountActIons|enuslIstedbelowbyrIghtclIckIngonanaccounttab.
AccountsthathavetransactIonsassocIatedwIththemcannotbedeleted. tIsrecommendedthatyou
hIdethemInstead.
J.4 HowtheFegIsterAffectsthe8udget


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19 YNA8JUserCuIde
TheFegIsterandthe8udgetScreenworkhandInhandInhelpIngyoumanageyourfInances.
TheFegIsterforeachAccountIswhereyoukeeptrackofyourrealworld,physIcalaccountsandthe
transactIonsassocIatedwIththem. The8udgetScreenIswhereyoukeeptrackofyourspendIngplanfor
yourmoneyandwhereyouwatchtoseeIfyourrealworldtransactIonsarelInIngupwIthyourplan.
ThewaythatwedothatIsbycategorIzIngtransactIons. Dnthe8udgetScreenyousetupcategorIes
specIfIctoyourlIfe:

ThosesamecategorIesappearIntheudget CategoryfIelddropdownchoIcesInallaccountregIsters:

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20 YNA8JUserCuIde

Whenyouselectacategory,youaretellIngYNA8"I want thIs transactIon to affect the budget screen.
Send thIs InformatIon over there."
ThIsworksforInflowsandoutflows. Let'stakealookathowthIsworksIndepth.

CategorIzIng Income
Here'swhathappensIfyouenterIncome forexample yourpaycheck. nYNA8,therearetwowaysyou
canenterncome. fyouchoosencome AvaIlableThIs|onth,thepaycheckwIllbeavaIlableforuseIn
thecurrentmonth. f youchoosencome AvaIlableNext|onth,thepaycheckwIllbeavaIlableforuse
nextmonth.
ForthIsexample,'llselectncome AvaIlableThIs|onthandentertheamountof the paycheckInthe
InflowfIeld

NowsIncethedatewasa0ecemberdate,andncomeAvaIlableThIs|onthwasselectedasthecategory,
thIsInformatIonwassenttothebudgetscreenfor0ecember.
Asyoucansee,theamountofthe paycheckIsnowvIsIbleIntheheaderforCurrent|onth.
FormoreInformatIonsee:FecordIngncome

CategorIzIng SpendIng
Nowlet'stakealookatcategorIzIngoutflowsandseehowthataffectsthe8udgetScreen.
Let's enteratransactIonforFood:CrocerIesandseewherethatshoweduponthebudgetscreen.
YNA8JUserCuIde
21 YNA8JUserCuIde
f youlookattheFoodCrocerIescategory, you'llseetheamountspentatthegrocerystoreIntheDutflow
column. SIncethetransactIonwasdatedIn0ecember,theoutflowIsshowIngupIn0ecember's8udget.
FormoreInformatIonsee: FecordIngSpendIng

WhencreatInganewAccount,thereareseveralaccounttypestochoosefrom.
J.5 AccountTypes
YNA8JUserCuIde
22 YNA8JUserCuIde
SomeaccounttypeswIllaffectthebudget.ThIsmeansthestartIngbalanceonthataccountwIllbesentto
thebudgetsoyoucanputItthosedollarstoworkrIghtaway.WhenthestartIngbalancefromanaccount
affectsthebudget,weconsIderthIstobeanDn udget Account
ThefollowIngAccountTypesareDn udgetandtheyaffectthebudget:
CheckIng
SavIngs
Cash
Paypal
|erchantAccount
ThefollowIngAccounttypesareDff udgetbecausetheydonotaffectthebudget.
CredItCard
LIneofCredItorDtherCredIt
nvestmentAccount
|ortgage
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2J YNA8JUserCuIde
DtherAssest(House,Car,etc.)
DtherLoanorLIabIlIty
FreshStartallowsyoutostartyourbudgetoverwIthoutlosIngyourcategorIesandyouraccounts. Fresh
StartdeletesalltransactIonsandbudgetedamountsandleavesyouwIthyourcurrentaccountbalancesand
budgetcategorIes. FreshStartwIllusethemostrecentbalancesyoucurrentlyhaveInYNA8.
Step 1.Co to the FIIe henu and seIect Make a Fresh Start


Step 2. A pop up wIII appear expIaInIng what wIII happen:



Step 3. YNA has gIven you a new fIIe wIth the same accounts and budget categorIes.
J.6 FreshStart
YNA8wIllsaveacopyofyouroldfIleandallItsdatawhengeneratIngafreshstartsoyoucanretrIeveIt
laterIfyouwantto.

YNA8JUserCuIde
24 YNA8JUserCuIde

YNA8assumedthatyouraccountshadthesamebalancesasbefore. Thebalanceoneachaccounthasbeen
categorIzedasncomeAvaIlableThIs|onth. fthebalancesneedtobeadjusted,youcanchangethemby
goIngtoAccountActIons.
ClIckonSet/AdjustWorkIng8alance


Apopupappears:

EnterthenewbalanceandyourstartIngbalancewIllbeupdatedaccordIngly.

Nowyouareallsetandcanmoveoverthebudgetscreenandputthosedollarstowork!





YNA8hastwomaInaccounttypes:
Dn-udget Accounts
Dn8udgetAccountsareaccountsthatfundthebudget. ThemoneyfromtheseaccountsIssenttothe
budgetscreensoyoucanputIttowork. SImIlarly,IfyouspendmoneyfromanDn8udgetAccount,you
FreshStartretaIns8udgetNotesandScheduledTransactIons.
J.7 DnandDff8udgetAccounts
YNA8JUserCuIde
25 YNA8JUserCuIde
wouldneedtonotIfythebudgetaboutthIsspendIng.
nformatIonIssentfromDn8udgetAccountstothe8udgetScreenthroughthe8udyet Ccteyorymenuthat
appearsInDn8udgetAccounts. ToenterIncomeandsendIttothebudgetyoucancategorIzeItas
"ncome:AvaIlableThIs|onth"or"ncome:AvaIlableNext|onth".
TorecordspendIngInanDn8udgetAccount,enteratransactIonandchoosetheapproprIatecategoryfrom
the8udyet Ccteyorymenu.
Dff-udget Accounts
Dff8udgetAccountsareaccountsthatyouhaveaddedtoYNA8prImarIlytotracktheIrprogress. Youmay
makepaymentstotheseaccounts,buttheseaccountsdonotprovIdemoneytofundyourbudget. These
accountshavelImItedactIvIty.
TheseaccountsareNDTapartofyourbudgetorspendIngplan. Examplesoftheseaccountswouldbea
retIrementaccountorlongtermsavIngsaccount. |oneytransferredfromanDn8udgetAccounttoanDff
8udgetAccountIsanoutflow(usuallyanexpense)forbudgetpurposes;moneytransferredfromanDff
8udgetAccounttoanDn8udgetAccountIsanInflow(usuallyIncome)forbudgetpurposes.
8ecauseanDff8udgetAccountIsnotpartofthebudget,neItheroutflowsnorInflowstothIsaccountneed
acategory,andthe8udyet CcteyorycolumnIsnotvIsIbleIn Dff8udgetAccount regIsters. CategorIesexIst
andareusedonlywIthInthebudget. AnymoneyreceIveddIrectlyIntoanDff8udgetAccount(e.g.,atax
refunddIrectdeposItedtoanDff8udgetsavIngsaccount)IsnotIncomeforbudgetpurposesandIsnot
addedtotheamountAvaIlableto8udget.
0efauIt Account SettIngs
8ydefaultthefollowIngaccountsareDn8udget:
CheckIng
SavIngs
CredItCards
LIneofCredIt
Cash
8ydefaultthefollowIngaccountsareDff8udget:
|ortgage
Loans
nvestmentAccounts
DtherCredIt/LIabIlItIes

Dff-udget LIabIIIty Accounts IncIude:CarLoan,PersonalLoan,|ortgage,oranyotheraccountthatyou
owemoneyto,butdonottrackInyourYNA8budget.
HerearethedIrectIonsforhowtosetupanDff8udgetLIabIlItyAccount:
ClIckontheAddAccountbutton
ApopupwIllappear:

J.7.1 Dff8udgetAccounts LIabIlItyAccounts
YNA8JUserCuIde
26 YNA8JUserCuIde

CompletetheInformatIonrequestedforyouraccount,IncludIngthestartIngbalanceandstartIngdate.
SIncethIsaccountIsoffbudgetandyouarejusttrackIngthIsaccountbalanceInYNA8,therewon'tbea
8udyet CcteyorycolumnInyourregIster.HerearetheaccounttypesyoumaychoosefromandtheIr
respectIveImpactsonthebudget:

DtherCredIt,|ortgage,DtherLoanorLIabIlItywIllcreateanoutflowtransactIonthatIsnotcategorIzed
thereforethatamountwIllhavenoaffectonthebudgetscreen.
WhenyouarefInIshed,clIckCFEATEACCDUNT.Anewaccounthasbeencreatedforyouonthelefthand
YNA8JUserCuIde
27 YNA8JUserCuIde
sIdeofthescreen.

Dff-udget Asset Accounts IncIude:LongTermSavIngs,nvestment,FetIrement,oranyotherasset
accountthatIsnottrackedInthebudget.


HerearethedIrectIonsforhowtosetupanAssetAccount:
ClIckontheAddAccountbutton
ApopupwIllappear:


CompletetheInformatIonrequestedforyouraccount,IncludIngthestartIngbalanceandstartIngdate.
SIncethIsaccountIsoffbudgetandyouarejusttrackIngthIsaccountbalanceInYNA8,therewon'tbea
8udyet CcteyorycolumnInyourregIster.HerearetheaccounttypesyoumaychoosefromandtheIr
respectIveImpactsonyourbudget:

J.7.2 Dff8udgetAccounts AssetAccounts
YNA8doesnottracktheperformanceordaIlyprIcesofInvestments. Dnlythebalance,Inflows,and
outflowsoftheaccountaretracked.YoucanusetheAdjustWorkIng8alancefeatureIfyouwouldlIketo
perIodIcallyadjustthevaluesoftheseaccounts.

YNA8JUserCuIde
28 YNA8JUserCuIde

Investment Account, Dther Asset (House, Car, etc.)wIllcreateanInflowtransactIonthatIsnot
categorIzed;thereforethatamountwIllnotbeavaIlabletobudget.YoucanusetheAdjustWorkIng8alance
featureIfyouwouldlIketoperIodIcallyadjustthevaluesoftheseaccounts.
WhenyouarefInIshed,clIckCFEATEACCDUNT.Anewaccounthasbeencreatedforyouonthelefthand
sIdeofthescreen.

Dn and Dff udget Accounts
nYNA8J,thereIsnow acleardIstInctIonbetweenDn8udgetandDff8udgetAccounts. 8ecauseYNA8
handlesDnandDff8udgetaccountsmoreeffectIvely,Itcannow preventyoufrommakIngmIstakeswhen
enterIngtransactIonsIntotheAccountFegIster. ThIsfeatureIscalledError CheckIng.
Error CheckIng
TherearethreeErrorCheckIngalertstohelpyou.
FemInders
FemInderswIllappearwheneveryouhaveoneormoretransactIonsthatyouhavenotapprovedafter
ImportIng,orwhenascheduledtransactIonhasbeenenteredIntotheregIster.
WarnIngs
WarnIngswIllappearwheneveryouhaveoneormoreapproved transactIonsInanDn8udgetAccountthat
youhavenotcategorIzed.
Errors
ErrormessagesappearontheFegIsterpagewheneveryouhaveatransferbetweenDn8udgetAccounts
thathasbeencategorIzedononesIde.

TopreventerrorsfromoccurIng,It'sImportanttounderstandhowtohandleTransfersbetweenaccounts.
ClIckhereformoreInformatIononTransfers.
8ecauseoftheImplementatIonofDnandDff8udgetAccounts,YNA8nowhandlesCredItCardsbetteras
well. ClIckhereformoreInformatIononCredItCards.
YoumaywanttolookandseehowtoHandle0ebtAccountsInYNA8tohelpdecIdewhetheryourdebt
J.8 ErrorCheckIng
fyouareaYNA8UserwhohasjustupgradedtothenewestversIonwIthErrorCheckIngandyouare
fIndInga lotofErrorsInyourfIle,pleasereadthIspagethoroughly.

YNA8JUserCuIde
29 YNA8JUserCuIde
accountshouldbeDn8udgetorDff8udget.
If you are a YNA user who has just upgraded to the newest versIon wIth Error CheckIng, and you are
fIndIng that your fIIe has Iot of errors,

CheckoutourCommonCausesforErrorspageor
vIsIttheErrorCheckIngsectIonoftheCommunItyForumstogetaddItIonalhelpwIthyourfIle,or
ConsIder makIngaFreshStartwIthyourfIle.
New VIdeo TutorIaIs
YNA8alsohasanumberof7IdeoTutorIalstohelpyouunderstandErrorCheckIng. AddItIonally,DnandDff
8udgetAccountsaffectnotonlyErrorCheckIng,buthowYNA8handlesCredItCards. 7IdeoInstructIonsfor
CredItCardsareIncludedbelowaswellforthatreason.
Dn and Dff udget Accounts
Errors
WarnIngs
PemInders
CreatIng a CredIt Card Account
udgetIng for CredIt Card 0ebt
udgetIng for new purchases on a CredIt Card
PecordIng purchases made wIth a CredIt Card
hakIng a CredIt Card Payment
0eaIIng wIth Interest and Fees on a CredIt Card
FemInderswIllappearwheneveryouhaveoneormoretransactIonsthatyouhavenotapprovedafter
ImportIng,orwhenascheduledtransactIonhasbeenenteredIntotheregIster.

AbluebadgewIllappearontheaccounttabwhenanaccounthasFemIndersthatneedtoapproved.
J.8.1 FemInders
YNA8JUserCuIde
J0 YNA8JUserCuIde


ThIsIconwIllappearIntheIndIvIdualtransactIons:

ToremovetheremInder,clIcktheIconandapopupboxwIllappear.

ToremovetheremInder, approveordeletethetransactIon.


WhenyouhavetransactIonsthathavenotbeenapproved,atextwIndowwIllalsoappearatthetopofthe
accountIndIcatIngthenumberoftransactIonsthatneedtobeapproved. ClIckShowInthatwIndowto
seeonlythetransactIonsthatneedtobeapproved;thIsalsodIsplaysthetotalamountofthesetransactIons
atthebottomrIghtcorneroftheregIster.


TheremIndercolumndIsappears/IshIddenwhentherearenoremIndersforyourregIster.
WarnIngswIllappearwheneveryouhaveoneormoretransactIonsInanDn8udgetAccountthatyouhave
notcategorIzed.
AyellowbadgewIllappearontheaccounttabwhenanaccounthasWarnIngsthatneedtobeaddressed.

AlltransactIonsthatareImportedareInItIallyassIgnedaremIndersoyoucanrevIewthem. fyou
approveanImportedtransactIonthatdoesnothaveacategory,awarnIngwIllappearatthatpoInt.
ClIckheretolearnaboutwarnIngs.
ToedItatransactIon,doubleclIckonthecolumnyouwanttoedIt.
|akesureyouhaveselectedALLIntheupperrIghthandcornersoallthetransactIonsarevIsIble.
J.8.2 WarnIngs
YNA8JUserCuIde
J1 YNA8JUserCuIde

AnIconwIllappearIntheIndIvIdualtransactIons:



ToremovethewarnIng,sImplycategorIzethetransactIon.
ClIckontheyellowIconandselectAssyn 8udyet Ccteyory.


The8udgetCategory|enuwIllappear. ChoosetheapproprIatecategoryfromthedropdownlIst.


WhenyouhavetransactIonsthathavenotbeencategorIzed,atextwIndowwIllalsoappearatthetopof
theaccountIndIcatIngthenumberoftransactIonsthatneedtobecategorIzed. ClIckShowInthatwIndow
toseeonlythetransactIonsthatneedtobecategorIzed;thIsalsodIsplaysthetotalamountofthese
transactIonsatthebottomrIghtcorneroftheregIster.



ThewarnIngcolumndIsappears/IshIddenwhenthereareno warnIngsforyourregIster.
WheneveryouhaveuncategorIzedtransactIons,YNA8alsoaddsalInetoyourbudgetscreen,rIghtatthe
top.ThIskeepsyouraccountInbalancewIthyourbudgeteventhoughyouforgottocategorIzeoneormore
transactIons.

TheonlyexceptIonstothIsaretransfers. Toseehowtransfersarehandled,clIckhere.
|akesureyouhaveselectedALLIntheupperrIghthandcornersoallthetransactIonsarevIsIble.
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ToseeallofyouruncategorIzedtransactIonsInagIvenmonthIndIvIdually,clIckontheamountInthe
outflowcolumnalIstwIllappear. YoucanclIckonaspecIfIcuncategorIzedtransactIonfromheretobe
takenbacktothattransactIonIntheregIsterInordertomakeacorrectIon.
The0nccteyorzed Trcnscctons RowInthebudgetscreenwIllonlyappearwhenyouhaveoneormore
uncategorIzedtransactIonsInanDn8udgetAccount.

ErrormessagesappearontheFegIsterpagewheneveryouhaveatransferbetweenDn8udgetAccounts
thathasbeencategorIzedononesIde.
AredbadgewIllappearontheaccounttabwhenanaccounthas Errorsthatneedtocorrected.


ThIsIconwIllappearIntheIndIvIdualtransactIons:

Toremovetheerror,sImplydeletethecategoryforthattransactIon.YouwIllalsoseeastrIkethroughIn
the8udyet Ccteyory columnonthetransactIonthatneedstobechanged.


ClIckonthe redIconandselectRemove 8udyet Ccteyory.


WhenyouhavetransfersbetweenDn8udgetAccountsthathavebeencategorIzed,atextwIndowwIllalso
appearatthetopoftheaccountIndIcatIngthenumberoftransactIonsthatneedtobecorrected. ClIck
ShowInthatwIndowtoseeonlythetransactIonsthatneedtobecorrected.


J.8.J Errors
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The errorcolumndIsappears/IshIddenwhenthereareno errorsforyourregIster.
ClIckheretolearnmoreaboutwhycategorIzedtransfersarenotallowedbetweenDn8udgetAccounts.
ForgettIng to categorIze a transactIon

ThIsIsoneofthemostcommonreasonsyouwIllseeaWarnIng.AnyonecanforgettocategorIzea
transactIon.fyouareunsurehowtocategorIzeatransactIon,oftencheckIngthePayeemayhelptojog
yourmemoryastowhatItwasfor.

CategorIzIng a Transfer between a CheckIng and a SavIngs Account

|anypeoplefeelcompelledtocategorIzetransfersfromCheckIngtoSavIngs,Inpartbecausethe8udget
Category|enuIsrIghtthere- seemInglyaskIngyoutodoso!nrealIty,thereIsnoneedtocategorIzethIs
typeoftransfer.ThInkofItlIkethIs- the8udgetIslIkeabucket,andyourCheckIngAccountrepresents
onejarofmoney,andyourSavIngsAccountrepresentsanotherjarofmoney.8othofthosejarshavebeen
pouredIntothebucket.AtthIspoInt,the8udgetdoesnotcarewhatjarthemoneycamefrom.Whenyou
movemoneybackandforthbetweenthosetwoaccounts- thereIsnothIngthebudgetneedstoknow.You
arenotaddIngmoneytothebudgetorremovIngmoneyfromthebudget.

Issues reIated to CredIt Cards

DneofthemaInIssueswIthErrorCheckIngandCredItCardsIsanuncategorIzedstartIngbalance. ThIsIs
prImarIlyanIssueforpeoplewhohaveacredItcardthattheypayInfull,butuseonaregularbasIs.
CredItCardsarenowDn8udgetsoyou'llneedtocategorIzeyourstartIngbalanceonthecard. Createa
newcategorycalledPreYNA80ebt:(NameofCredItCard). CategorIzeyourstartIngbalancetothat
category. WhenyoumovetothebudgetscreenyouwIllseethatthIscreatesoverspendIng. SImplyassIgn
somedollarstothIscategorytoelImInatetheoverspendIng. fyouareunabletodothatInthemonththat
theoverspendIngoccurs,clIckontheoverspendIngarrowandchangethesettIngstoSubtractfromnext
month'scategorybalance. ThatwaytheoverspendIngonlyaffectsthatonecategory. 8udgetsomethIng
towardthatcategoryassoonasyouareabletoremovetheoverspendIng.

ClIckherefordIrectIonsfordealIngwIthErrorsInaHybrIdCredItCard.

Adjustments made to your YNA Account

DftentImespeoplewIllmakeanadjustmenttransactIontocorrectthebalanceonanaccount,ortobrIng
thIngInlInewIththebudget. fyouenteredanadjustmentforeItherreason,It'sImportanttocategorIze
thIssothatthebudgethasthesameInformatIonastheaccountregIster. YoumayassIgnthIstoany
spendIngcategoryIfItwasanoutflow,orIfItwasanInflow,categorIzeItasIncome.

Fresh Start
fyourfIlehasalotofErrors,youmayfIndIteasIertomakeaFreshStart.
|akesureyouhaveselectedALLIntheupperrIghthandcornersoallthetransactIonsarevIsIble.
J.8.4 CommonCausesforErrors
J.8.4.1 0ealIngwIthaHybrIdCredItCard


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How to fIx a HybrId CredIt Card once Error CheckIng Is enabIed
AHybrd Credt CcrdInYNA8IsdefInedasacardthatwasusedInthefollowIngway:
YouhadprIordebtonthecard.
YousetupacategoryInYNA8tobudgetforthedebt.
YoustIllusedthecardtopayfornewpurchases.
YoubudgetedforthosenewpurchasesaspartofyourregularbudgetIngprocess.
PaymentsmadetothehybrIdcardwereenteredasasplIttransactIonwIthpartofthepaymentbeIng
categorIzedtotheolddebt,andpartofthepaymentnotcategorIzedatall sIncecategorIzatIontook
placeatthetImeofpurchase.
fthat'showyou'vebeenusIngyourHybrIdcard,thenyouareprobablyseeIng:
AWarnIngonthestartIngbalanceofyourcredItcardIndIcatIngthatItneedsacategory.


ErrorsonthesplIttransactIontransfersthatwerepaymentstothecredItcard.

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HerearethestepsforfIxIngtheWarnIngsandErrorsInaHybrIdCredItCard.
Step 1 - Co the CredIt Card Account and categorIze the startIng baIance.
You'llwantcategorIzethIsstartIngbalancetransactIontothesamecategorythatyouwereusIngtobudget
forthepreexIstIngdebt.


Step 2 - hove to the udget Screen.
0oubleclIckonthe8udgetCategoryfIeldInthIstransactIontoedItIt.
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You'llnotIcethatcategorIzIngthestartIngbalancecreatedoverspendIngonthebudgetscreen,andthat
thIsoverspendIngIsaffectIngyourbudgetfromthatpoIntforward.


Step 3 - Change the DverspendIng SettIngs.
CotothemonthwhenyourstartIngbalancewasenteredInthe8udget.ntheCategory8alancecolumn,
clIckontheredarrowtoactIvatetheDverspendIngSettIngspopupbox.
For exampIe: YoucreatedthecredItcardInYNA8In0ecemberof2010. Coto0ecember2010onthe
8udgetScreenandclIckontheredarrowInthedebtcategoryInthatmonth.
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Select"Subtract t jrom next month's cateyory balance"
You'llnotIcethattheoverspendIngIsnowIsolatedtothedebtcategoryanddoesnotaffecttherestofyour
budget Itonlyaffectsthatcategory.


Nowlet'sgobacktotheCheckIngAccountandaddresstheErrors.
Step 4 - Pemove the SpIIt TransactIons from the Transfers.
YNA8nowautomatIcallytreatsanyaccountInwhIchspendIngaffectsthebudgetasanDn8udget
Account. ThIsIssoyouhaveaplacetorecordandcategorIzespendIngmadefromthataccount. |akInga
paymentonacredItcardIssImplyatransferofmoneyfromoneDn8udgetaccount(CheckIng)toanother
(CredItCard),andyourbudgetdoesnotneedtoknowaboutIt. ThebudgetIsonlyconcernedwIthwhat
youspentthemoneyon andyouwIllrecordthatInformatIonatthetImeofpurchase.
ClIckhereformoreInformatIononhowYNA8handlesDnandDff8udgetAccounts.

YouwIllhavetoadjusteachoftheSplItTransactIonsoneatatIme. 8egInbydoubleclIckIngonthe8udget
CategoryfIeldanddeletetheSplItTransactIon.Youdon'ttosplItolddebtfromnewpurchasesanymore,
becauseyourolddebthasalreadybeencategorIzed(Instep1).
Whenyouselect"SubtractItfromnextmonth'scategorybalance",youareoverrIdIngFuleThree(Foll
wIththePunches). ThIsIsperfectlyacceptableIncertaInsItuatIons. ClIckheretolearnmoreaboutFule
Three.
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NowedItthenameofthePayeeto"Transfer:(NameofAccount).


ClIckdoneandyou'llnotIcetheErrorsaregone.


FepeatthIsstepforeachpaymentmadetotheHybrIdCard.

hovIng forward wIth your HybrId Card
YourHybrIdCardIsnowconsIderedtobeanDn8udgetCredItCard. fyouwanttopurchasesomethIngand
useyourCredItCardtopayforIt,justmakesureyou'vebudgetedfortheexpenseaspartofyournormal
budgetIngprocess. FecordpurchasesmadewIththIscardInthIsaccountInYNA8.
TherearetwoImportantthIngstorememberwIthhowthIstypeofcardIshandled.
hakIng Payments:PaymentswIllnolongerneedasplIttransactIon. JustrecordasImpletransferfromthe
accountyouareusIngtothepaythecredItcard tothecredItcardaccount.
udgetIng:WhIleyouonlyneedonetransfer,youwIllbudgeteachmonthforboththenewpurchaseson
thecardandfortheolddebt. EachmonthasyoubudgettowardthecredItcarddebt,thecategory
balancewIllgetclosertozero.


AlwaysmakesureyousendtheactualpaymenttoyourcredItcardcompany.
J.9 TransactIons
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AtransactIonIssImplytherecordofanymovementofmoney,whetherItIsanoutflow,Inflow,ortransfer
betweenanotheraccount.Accountsarewherewekeeptrackof transactIonsInourrealworld,physIcal
accounts. nthIssectIonyou'llfIndeverythIngyouneedtoknowabouttransactIons.
fyouhavereceIvedmoneyofanykInd paycheck,gIft,bonus,etc.,you'llneedtoenterthatasncome.
TherearetwowaystoenterncomeInYNA8. YoucaneItherenterItaslncome Avclcble Ths Monthor
lncome Avclcble Next Month.

Step 1 - Co to the Account where you wIII be addIng the money.
SelecttheaccountyouwIllbeaddIngthemoneyto.

Step 2 - CIIck "Adda new TransactIon" In the regIster.

Step 3 - Enter the 0ate.
ClIckInthe0atefIeldtoenterthedate,orclIckonthedropdownarrowtoactIvatethepopupcalendar.
Dncethecalendarappears,clIckonthedateofthetransactIontoselectIt.

Step4 - Enter the Payee.
nthePayeefIeld,enterthenameoftheperson/place/companywhopaIdyouthemoney(orIfyouused
thIsPayeebefore,selectItfromthedropdownmenu).

Step5 - CategorIze the transactIon.
nthe8udgetCategoryFIeld,selectoneofthencomechoIcesfromthedropdownmenu.
YNA8hastwodIfferentoptIonsforenterIngncome. fyouchooselncome Avclcble Ths Monththe
moneywIllbecomeavaIlableforbudgetIngdurIngthemonthofthedateyouenteredforthetransactIon.
Forexample,IfthedateenteredIsaSeptemberdate,themoneywIllbeavaIlableInSeptember.

fyouchooselncome Avclcble Next Month,themoneywIllbecomeavaIlableforbudgetIngdurIngthe
followIngmonth. Forexample,IfthedateenteredIsaSeptemberdate,themoneywIllbeavaIlableIn
Dctober.


Step6 - Enter the amount of the InfIow.
nthenflowFIeld,entertheamountyoureceIved.

Step7 - See how the Income affected your budget.
ClIckonthe8udgettabtomovetothe8udgetScreen.
fyouchosencomeAvaIlableThIs|onthYouwIllsee thIsInflow lIstedInthebudgetheaderaslncome
J.9.1 FecordIngncome/Paycheck
0oesyourtransactIonaffectmorethanonecategory: fso,you'llneedtoenteraSplItTransactIon.

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Avclcble Ths MonthandIsnowAvclcble to 8udyet.
fyouchosencomeAvaIlableNext|onthYouwIllseethIsInflowlIstedInthebudgetfooteraslncome
Avclcble Next Month. twIllbecomeapartofnextmonth'sStartIng8u]]er.
Step 1 - udget for the outfIow.
ClIckonthe8udgettabtomovetothe8udgetScreen.
|akesureyouhavebudgetedforthecategoryyouwIllbeusIng.Forexample,IfyouareenterIngan
outflowforFood:CrocerIes,makesureyouhavebudgetedenoughIntheFood:CrocerIescategorytocover
thetransactIon.
Step 2 - Co the Account you wIII be enterIng the transactIon from.
SelecttheAccountyouwIllbemakIngthepaymentfrom.

Step 3 - Enter the 0ate.
ClIckInthe0atefIeldtoenterthedate,orclIckonthedropdownarrowtoactIvatethepopupcalendar.
Dncethecalendarappears,clIckthedateofthetransactIontoselectIt.

Step 4 - Enter the Payee.
nthePayeefIeld,enterthenameoftheperson/place/companywhoreceIvedthepayment.(DrIfyou've
usedthIsPayeebefore,selectItfromthedropdownmenu.)

Step 5 - CategorIze the transactIon.
SelectthecategorythetransactIonwIllbedeductedfrom. ForInstance,IfyouspentthIsmoneyon
Food:CrocerIes,selectFood:CrocerIesfromthe0ropdownchoIces.ThIswIllreducetheselectedcategory
balancebytheamountofyourtransactIon.
nthe8udgetCategory0ropdownchoIces,theremaInIngcategorybalanceIsshownnexttoeachcategory.
Forexample,IfyouhaveS200remaInIngInyourFood:CrocerIesCategoryonthe8udgetScreen,youwIll
seethatamountInthe8udgetCategory0ropdownmenuaswell.

J.9.2 FecordIngSpendIng
NDTE:AlwaysmakesureyouhavemoneyAvclcble to 8udyetbeforeassIgnIngamountstocategorIes.
Femember,thecategorIesthatappearIntheregIsterwerecreatedfromthelIstyoucustomIzedInthe
8udgetScreen. PegIster CategorIes match udget CategorIes.

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Step 6 - Enter the amount of the outfIow.
ntheDutflowfIeld,entertheamountyouspent.

Step 7 - See how the transactIon affected the budget.
YNA8hasrecordedtheoutflowforyouInthe8udgetScreen. Alwayskeepaneyeonhowmuchyou
budgetedInacategory,howmuchyouspentInacategory,andontheccteyory bclcnce.

TodeleteatransactIon,selectthetransactIon:

andthen clIckon ActIonforselectedTransactIons:


FromthedropdownchoIces,selectdelete.
J.9.J 0eletIngaTransactIon
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DnceatransactIonhasbeendeletedanewbuttonwIllappearatthetopoftheregIsterIndIcatInghow
manytransactIonsweredeleted. ThIsbuttongIvesyouanopportunItytoundothedelete.
TomoveatransactIontoadIfferentaccount,selectthetransactIonbyclIckIngthecheckboxtotheleftof
thedatecolumn,orrIghtclIckonthetransactIon.
ApopupwIllappear:
YoucanalsorIghtclIckonatransactIontoaccessthesamemenu.
J.9.4 |ovIngaTransactIontoadIfferentaccount
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Select|ovetoAccountfromthedropdownchoIces. AlIstofallyouraccountswIllappear. Selectthe
accountyou'dlIketomovethetransactIontofromthelIst.

ToedItatransactIon,selectthetransactIonbyclIckIngthecheckboxtothe leftofthedate. Youcan
selectmorethanonetransactIonatatIme.
ThenclIckonTakeActIonon XselectedtransactIons

SCFEENSHDTHEFE
Fromthere,there areseveralcommandsavaIlabletoyou:

ThIsIsnotthesameasatransfer. Atrcns]errecordsthephysIcalmovementofmoneyfromoneaccount
toanother. |ovIngatransactIonjustmovesthatspecIfIctransactIonwIthInYNA8toanotheraccount.
ThIsIstypIcallyusedIfyouenteratransactIonInthewrongaccountbymIstake.
J.9.5 EdItIngTransactIons
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YoucanselectoneormoretransactIonsbyclIckIngonthecheckboxatthefarleftofeachtransactIon.
Atthetop,ItwIllshowexactlyhowmanytransactIonsareselected.
FromthIsdropdownmenu,therearemanycommands:
1. Approve l Peject YoucanapproveorrejectatransactIonfromhere. (Youcanalsodothatby
hIghlIghtedatransactIonandclIckIngontheapproprIatebuttons.)
2. hark as cIeared l hark as uncIeared YoucanmarkatransactIonasclearedoruncleared. ThIscan
beespecIallyhelpfulIfyouselectseveraltransactIonsandwanttomarkthemallasclearedwIthone
command.
J. Pename Payee l Payee SettIngs fyouwouldlIketorenameaPayeeoraccessPayeeSettIngs,you
candothatfromhere. (PayeeSettIngscanalsobeaccessedfromthe7Iew|enu.)
4. hatch l Unmatch ThIsgIvesyouanopportunItytocombInetwotransactIonsthat wereduplIcated
throughtheImportprocess,whenonetransactIonwasenteredmanuallyandonewasenteredasthe
resultofanImport. |ostoftenYNA8wIllcatchduplIcatesonImport,but thIscanbeusedIn the
unusualsItuatIonwhereYNA8doesnotcatchItautomatIcally.
5. hake PecurrIng ThIswIll turnthIstransactIonsInto ascheduledtransactIonforyou. Thedefault
frequencywIllbemonthly. YoucanchangethateasIlyfromwIthInthescheduler.
6. hove to Account ThIswIllallowyouto movethetransactIontoadIfferentaccount.
7. 0eIete ClIckIngthIswIlldeletethetransactIon.
TransactIonsmaybesortedbycolumn,allowIngyoutovIewbydate,category,payee,etc.
SImplyclIckontheheaderforthecolumnyouwanttosortandItwIllsortalphabetIcally. ClIckagaInto
reversethesortalphabetIcally(az)ornumerIcally(S0.00 S1,000). ClIckagaIntoreversethesort(zaor
S1,000 S0.00).

A refreshsortbuttonappearswhenenterIng/edItIngtransactIonstoshowyouhowyoucaneasIlyresort
YoucanaccesstheexactsamedropdownmenubyrIghtclIckIngonatransactIon,and fromthetopleft
ofyouraccountwhereItsays: SelectatransactIontoseemoreoptIons. ThIstabwIllbegrayedout
untIlyouselectatransactIon.
J.9.6 SortIngTransactIons
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added/edItedtransactIons. YoucanusetheF5keyInsteadofthebuttontorefreshthetransactIonorder.

ToactIvateaflagsImplyclIckontheclearflagIconInthetransactIonyouwanttoflag. ContInueclIckIng
untIlyougetthecoloryou'dlIketouse.
YoucanusethemtomarktransactIonsyouwIshtorevIsIt,tomarktransactIonsmadewIthyourAT|card,
tonotethepoIntwhereyoulastreconcIledyouraccountwIththebank'srecords,etc.


TocategorIzemorethanonetransactIonatonce,selectthetransactIonsyouwouldlIketocategorIzeby
clIckIngthecheckboxtotheleftofthedatefIeld:

ThenyoucanselectActIon for seIected TransactIonsorrIghtclIckoroptIonclIcktobrIngupthedrop
downmenu. Fromthedropdownmenu,selectCategorIze As,andthenselectthe|asterCategory,and
thentheCategory.

J.9.7 FlaggIngTransactIons
J.9.8 8ulkCategorIzIngTransactIons


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YNA8makesIteasytoreconcIleyourbankInformatIonagaInstyourYNA8accountregIsters.
Selecttheaccount youwIshtoreconcIle.
Totheleftofthe0atefIeldIsafIeldlabeledCLF whIchstandsforcleared. DnceatransactIonhas
clearedyourbank,clIckonthIsfIeldtomarkthetransactIonascleared.
AtthebottomoftheregIsteryouwIllseethatYNA8keepstrackofthethreethIngs:
1. ClearedTransactIons ThIsshouldmatchyourbankbalance.
2. UnclearedTransactIons ThIsIsthetotaloftransactIonsthatthebankdoesn'tknowaboutyet.
J. WorkIng8alance ThIsIsatotalofyourClearedTransactIonsandyourUnclearedTransactIonsand
representstheamountofmoneyyoureallyhavelefttoworkwIth.
AddItIonally,youcanhoveroverthedateofanytransactIontofIndthetotalofclearedtransactIonsonthat
date.


DntherIghthandsIdeoftheregIster,thereIsa lInkcalledChooseColumns. ClIckonthattoseethesame
dropdownmenu.
ChecktheonesyouwIshtoseeIntheregIster,unchecktheonesyoudon'twanttosee.

J.9.9 FeconcIlIngyourYNA8accountswIthyour8ank
NDTE:Femember,youshouldmakeyourspendIngdecIsIonsbasedonhowmuchIsleftInaspecIfIc
category,andnotbasedonhowmuchIsleftIntheaccount.
J.9.10 FegIsterFIelds 7IewDptIons


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ColumnvIsIbIlItysettIngsarenowstoredonaperaccountbasIs. YoucanoptIonallyapplyyourcurrent
columnsettIngstoallotheraccounts.



YNA8JhasafullyfunctIonalsearchfeaturethathelpsyoufIndtransactIonswIthInyouraccounts.
Tostartasearch,fIrstselecttheaccountyou'dlIketosearch,thenclIckInthesearchbox. TypeInthe
keywordsyou'dlIkeYNA8tosearchfor. fyoutypeInakeyword,youwIllsee adropdownmenuappear.
YNA8wIllprovIdeyouwIthoptIonsfornarrowIngyoursearch.
WhenyouareInsearchmodetheborderaroundthescreenbecomesgreen. Forexample,IfyoutypeIn
the lettersFood,youwIllsee:

TosearchbasedonamountoftransactIons,justenteranumberandyouwIllsee:

YoucanalsovIewtheChoosecolumnsmenubyrIghtclIckIngonacolumnheaderoftheregIster.
J.9.11 SearchIngAccounts
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fyousearchbydateyouwIllsee:


SImplyselectyourchoIcefromtheoptIonsthatappear.ToclearthecurrentsearchclIcktheXInthesearch
fIeld. Tocancelasearch,clIckcancel.

YoucanalsosearchforaspecIfIcamountbytypIngtheamountandhIttIngenter.
Toreorderyouraccounttabs,hoverovertheaccounttabyou'dlIketomove. You'llnotIceadraghandle
appearIntheleftsIdeofthetab:

J.9.12 FeorderIngAccountTabs
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ClIck,holdanddragtheaccounttoanewlocatIon. AnarrowwIllshowyouwheretheaccounttabwIllbe
placed.

Whenyouseethearrowwhereyouwanttomovetheaccounttab,letgoandYNA8wIllplaceItInthenew
locatIon.
AsplIttransactIonIsasIngletransactIonthataffectsmultIplecategorIes. YoumaywanttouseasplIt
transactIonIf:
1. You'vebeentoabIgboxstoreandhadanumberofItemsthatwerepurchasedatoncethataffect
severalcategorIes.
2. YouaregettIngcashbackatastoreandwanttoseparatethecashbackfromtheactualpurchase
J. YouwouldlIketosplItIncomesothatpartoftheIncomeaffectsthIsmonth,andpartofItIsallocated
tonextmonth.
HerearethestepsforenterIngasplIttransactIon.

Step 1 - SeIect the account you made the purchase from.
Selecttheaccounttaboftheaccountthatyouusedtomakethepurchase

Step 2 - CIIck "Add a new transactIon".
J.9.1J SplItTransactIons
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Step 3 - Enter the 0ate.
ClIckInthe0atefIeldtoenterthedate,orclIckonthedropdownarrowtoactIvatethepopupcalendar.
DncethecalendarappearsclIckthedateofthetransactIontoselectIt.

Step 4 - Enter the Payee.
nthePayeefIeld,enterthenameoftheperson/place/companywhoreceIvedthepayment.(orIfyou've
usedthIsPayeebefore,selectItfromthedropdownmenu.)

Step 5 - CategorIze the transactIon.
Selectthecategory Splt TrcnscctonfromthedropdownchoIces.
AssoonasyouchooseSplItTransactIon,you'llnotIcethatthetransactIonexpandstoallowyoutoenter
splItamounts.


Step 6 - Enter the amount of the outfIow.
ntheDutflowfIeld,enterthetotalamountofthetransactIon.

Step 7 - Enter the amounts of the spIIts.
nthecategorydropdownmenubelowthemaIntransactIonsImplychooseacategoryfromthemenuas
usual.


Step 8 - ContInue enterIng sub-transactIons.
ContInueenterIngsubtransactIonsuntIlyouarefInIshed,thenclIckdone.
fyouclIckonthearrowInthe8udgetCategoryFIeld,youcanvIewthecompletedtransactIoneIther
expanded:
NotIcethatYNA8keepstrackofhowmuchIsremaInIngtobeassIgned,baseduponyourtotal
transactIonamountandhowmuchyou'vealreadyassIgnedtosplIts.
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orcollapsed:

Step - See how the transactIon affected the budget.
YNA8hasrecordedtheoutflowsforyouInthe8udgetScreenIntheapproprIatecategory. Alwayskeepan
eyeonhowmuchyoubudgetedInacategory,howmuchyouspentInacategory,andontheccteyory
bclcnce.



Atransferoccurswhenyoumovemoneyfromoneaccounttoanother. TherearetwomaInaccounttypesIn
YNA8:Dn8udgetAccountsandDff8udgetAccounts. Youmaytransfermoneybetweenanytwoaccountsor
accounttypes.
ThetransferfeatureIsactIvatedInthePayee0ropdown|enu.

J.10 Transfers
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AlltransfersaffectthebalancesofthegIvenaccountsyouaretransferrIngbetween.Notalltransfers,
however,Impactthe8udget,andhowyoucategorIzeyourtransfersdependsonthetypesofaccounts
Involved.ClIckonalInkbelowforspecIfIcdIrectIonsonhowtoenterthevarIoustypesoftransfers.
fyouaretransferrIngmoneybetweentwoDn8udgetAccounts,thereIsnoneedtoselectacategory.
|oneyIsneItherleavIngnorenterIngyour8udget.nstead,youaresImplychangIngthelocatIonofthe
money,whIchhasnoImpactonthe8udget.
nDff8udgetAccounts,thereIsno8udgetCategorycolumnvIsIblesInceDff8udgetAccountshaveno
effectonthe8udget. AgaIn,whenyoutransferbetweenDff8udgetAccountsyouaresImplychangIngthe
locatIonofthemoneyandthereIsnoImpactonthe8udget.
fyouaretransferrIngmoneyfromanDn8udgetAccounttoanDff8udgetAccount,thenyouareremovny
moneyfromthe8udget,andneedtocategorIzethetransactIonleavIngtheDn8udgetAccount.
fyouaretransferrIngmoneyfromanDff8udgetAccounttoanDn8udgetAccount,thenyouarebrnyny
moneyIntothe8udgetandneedtocategorIzethetransactIonenterIngtheDn8udgetAccount.
SampIe ScenarIo YouwanttomoveS100fromyourcheckIngaccounttoyoursavIngsaccount.
Step 1 - SeIect the account that the money Is IeavIng.
SelecttheaccountyouaremovIngthemoneyFFD|.
Step 2 - Enter the 0ate.
ClIckInthe0atefIeldtoenterthedate,orclIckonthedropdownarrowtoactIvatethepopupcalendar.
DncethecalendarappearsclIckonthedateofthetransactIontoselectIt.
Step 3 - SeIect the account you are movIng money TD from the Payee drop-down henu.
UsIngthetabkeyonyourkeyboard,movetothePayeefIeld. SelecttheaccountyouaremovIngmoneyTD
(thenameoftheaccountwIllbeprecededbythewordTFANSFEF).

J.10.1 Dn8udgettoDn8udgetTransfer
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Step 4 - 0D NDT categorIze the transactIon.

SIncewearenotspendInganymoneyonlymovIngmoneythIstransferdoesnotImpactour8udgetand
the8udgetScreendoesnotneedtoknowaboutthIs. WhenwecategorIzeatransactIonwearetellIngYNA8
thattheInformatIonforthetransactIonneedstobesenttothebudgetscreenbecausewehavespent
moneyaccordIngtoourplanourbudget. SIncenomoneyIsbeIngspent,thereIsnoneedtocategorIze.
Step 5 - Enter the amount of the outfIow.
ntheDutflowfIeld,entertheamountyouaretransferrIng.
Step 6 - See how YNA entered the second haIf of the transfer for you In the other Account.
HIghlIghtthetransactIonthatyoujustentered. DnthePayeetabanewbuttonnowappears.

ClIckIngItwIlltakeyoutotheothersIdeofthetransactIonIntheotheraccount. YNA8hasenteredan
InflowforyouInthesameamount.


SampIe ScenarIo YouwanttomoveS100fromyourLongTermSavIngstoanotherAssetAccount.
Step 1 - SeIect the account that the money Is IeavIng.
SelecttheaccountyouaremovIngthemoneyfrom.
fyoucategorIzethIstypeoftransfer,YNA8wIllalertyouthatanerrorhasoccurred. Tolearnmore
aboutErrors,clIckhere.
nYNA8,Accountsarewherewekeeptrackofourrealworld,physIcalaccountsandthetransactIons
assocIatedwIththem. The8udgetScreenIswherewekeeptrackofourplanforourmoneyandhow
thoserealworldtransactIonsaffectourplan.
Femember:ThIstransactIonwIllnotshowuponthebudgetscreensInceItwasnotcategorIzed.
J.10.2 Dff8udgettoDff8udgetTransfer
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Step 2 - Enter the 0ate.
ClIckInthe0atefIeldtoenterthedate,orclIckonthedropdownarrowtoactIvatethepopupcalendar.
DncethecalendarappearsclIckonthedateofthetransactIontoselectIt.
Step 3 - SeIect the account you are movIng money TD from the Payee drop-down henu.
UsIngthetabkeyonyourkeyboard,movetothePayeefIeld. SelecttheaccountyouaremovIngmoneyTD
(thenameoftheaccountwIllbeprecededbythewordTFANSFEF).

Step 4 - Enter the amount of the outfIow.
ntheDutflowfIeld,entertheamountyouaretransferrIng.

Step 5 - See how YNA entered the second haIf of the transfer for you In the other Account.
HIghlIghtthetransactIonthatyoujustentered. DnthePayeetabanewbuttonnowappears.ClIckIngIt
wIlltakeyoutotheothersIdeofthetransactIonIntheotheraccount. YNA8hasenteredanInflowforyou
Inthesameamount.


SampIe ScenarIo YouaretrackIngyourcarloanInYNA8. CurrentlyyouoweS5,000ontheloanandyou
makeaS250paymenteachmonth. WhenyoumakeapaymentfromyourcheckIngaccount,youwantto
makesureItshowsupInthecarloanaccount.
WhenyouenterthepaymentInYNA8:
Step 1 - SeIect the account that the money Is IeavIng.
SelecttheaccountyouaremovIngthemoneyFFD|.
Step 2 - Enter the date.
ClIckInthe0atefIeldtoenterthedate,orclIckonthedropdownarrowtoactIvatethepopupcalendar.
Dncethecalendarappears,clIckonthedateofthetransactIontoselectIt.
Step 3 - SeIect the account you are movIng money TD from the Payee drop-down henu.
UsIngthetabkeyonyourkeyboard,movetothePayeefIeld. SelecttheaccountyouaremovIngmoneyTD
whIchwIllbelIstedInthedropdownmenuInthePayeefIeld.ThenameoftheaccountwIllbeprecededby
thewordTFANSFEF.


NotethatthereIsno8udgetCategorymenuIneItheraccountsInceDff8udgetAccountsdonotaffect
the8udgetScreen. TolearnmoreaboutDff8udgetAccounts,clIckhere.
FememberthIstransactIonwIllnotshowuponthe8udgetScreensInceItwasbetweentwoDff8udget
Accounts.
J.10.J Dn8udgettoDff8udgetTransfer
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Step 4 - CategorIze the transactIon.
nYNA8,weselectacategoryforatransactIonwhenmoneyIsleavIngour8udget(whenwearespendIng
money). SIncewearemakIngapaymentontheloan,wearespendIngmoney.
SelecttheapproprIatecategoryfromthedropdownchoIces(Inourexample,CarLoan).

Step 5 - Enter the amount of the outfIow.
ntheDutflowfIeld,entertheamountyouaretransferrIng.
Step 6 - See how YNA entered the second haIf of the transfer for you In the other account.
HIghlIghtthetransactIonthatyoujustmade. DnthePayeetabanewbuttonnowappears.ClIckIngItwIll
takeyoutotheothersIdeofthetransactIonIntheotheraccount. YNA8hasenteredanInflowforyouIn
thesameamount.
Step 7 - See how thIs transactIon affected the udget Screen.
ClIckonthe8udgettabtomovetothe8udgetScreen.
SIncethIstransactIonwascategorIzed,ItwIllnowappearIntheDutflowcolumnoftheapproprIate
category.
ClIckheretolearnhowtodealwIthInterestcharges.
WhenanaccountIsDff8udget,the8udgetScreendoesnotknowaboutthemoneyInthataccount. fyou
wanttomovemoneyfromandDff8udgetaccounttoanDn8udgetaccount,thenyouneedtocategorIze
thIsasanInflowIntheDn8udgetaccountsothe8udgetScreenbecomesawareofthIsmoneyandsothatIt
wIllbeAvclcble to 8udyet.

AlwaysmakesureyouhavebudgetedforanexpenseorpaymentbeforespendIngmoney.
Note8oxfyoudonotcategorIzethIstransferawarnIngwIllappear. TolearnmoreaboutwarnIngs,
clIckhere
J.10.4 Dff8udgettoDn8udgetTransfer
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SampIe ScenarIo YouaremovIngS100fromanDff8udgetSavIngsAccounttoyourCheckIngAccount.
Step 1 - SeIect the Account you wIII be transferrIng the money to.
Step 2 - Enter the 0ate.
ClIckInthe0atefIeldtoenterthedate,orclIckonthedropdownarrowtoactIvatethepopupcalendar.
Dncethecalendarappears,clIckthedateofthetransactIontoselectIt.
Step 3 - SeIect the account you are movIng money FPDh from the Payee drop-down henu.
UsIngthetabkeyonyourkeyboard,movetothePayeefIeld. SelecttheaccountyouaremovIngmoney
FFD|(thenameoftheaccountwIllbeprecededbythewordTFANSFEF).
Step 4 - CategorIze the InfIow
Fromthecategorydropdownmenuselectncome:AvaIlableThIs|onthIfyouwantthemoneytoaffect
thIsmonth'sbudget,orncome:AvaIlableNext|onthIfyouwantthemoneytoaffectnextmonth'sbudget.
Step 5 - Enter the amount of the InfIow.
nthenflowfIeld,entertheamountyouaretransferrIng.

Step 6 - See how YNA entered the second haIf of the transfer for you In the other account.
HIghlIghtthetransactIonthatyoujustentered. DnthePayeetabanewIconnowappears.

ClIckIngItwIlltakeyoutotheothersIdeofthetransactIonIntheotheraccount. YNA8hasenteredan
outflowforyouInthesameamount.

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Step 6 - See how thIs transactIon affected the udget Screen.
ClIckonthe8udgettabtomovetothe8udgetScreen.
SIncethIstransactIonwascategorIzedasncome,ItwIllnowappearaseItherlncome Avclcble Ths Month
Intheheader,or lncome Avclcble Next MonthInthefooter.
You'llfInd 6sectIonshereregardIngcredItcardaccounts:

1. CreatIngaCredItCardAccount
2. 8udgetIngforPrIor0ebt(0ebtthatyouhad beforeyoustartedYNA8)
J. 8udgetIngforNewPurchasesmadewIthaCredItCard
4. |akIngPurchaseswIthaCredItCard
5. 0ealIngwIthInterestandfees
6. |akIngaCredItCardPayment

Steps1through5areIdentIcalregardlessofhowyouareusIngthecard. However,youwIllneedtopay
attentIontostep6,asthepaymentstepsvarydependIngonhowthecardIsbeIngused.
Step 1 - Create the CredIt Card Account.
ClIckontheAddAccountbuttontoaddanaccountforyourcredItcard.
ApopupwIllappear:

J.11 CredItCardAccounts
J.11.1 CreatIngaCredItCardAccount


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CompletetheInformatIonrequestedforyourcard,IncludIngthestartIngbalanceandstartIngdate. Under
AccountType,selectCredItCardfromthedropdownchoIces.
WhenyouarefInIshed,clIck"CreateAccount"

Step 2 - A new account tab has been created.
DnthelefthandsIdeofthescreenanewaccounttabhasbeencreated. DntheaccounttabyouwIllsee
thenameandbalanceofyouraccount.
AtthebottomrIghtofyouraccount,youwIllseeyourclecred bclcnce, atotalofunclecred trcnscctons,
andyourworkny bclcnce.
You'llnotIcethata categorIzedtransactIonhasbeenenteredforyouInthenewaccountforthebalanceon
thecard.
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ThIstransactIonwascategorIzedtoanewcategory createdforyoubyYNA8 thatmatchesyourCredIt
CardAccount.ThIswasdonebecause,whIleyouIncurredthIsdebtprIortoworkIngwIththeaccountIn
YNA8,dealIngwIthItmustbepartofyourcurrent8udgetplan.ThetItleofthIscategorywIllbePreYNA8
0ebt:(NameofAccount).
Step3 - Co to the udget Screen.
ClIckonthe8udgettabtomovetothe8udgetScreen.

Step4 - NotIce that the category created by YNA has to match thIs CredIt Card Account has aIso been
added to the udget Screen.
ThIsIswhereyouwIllbudgetfortheprIordebtandanynewInterestorfeesyouarechargedonthIscard.
ThestartIngbalanceonthecardhasbeencategorIzedtothIsnewlycreatedcategory,andyouwIllseethat
amountIntheDutflowcolumn.


FuleThreehasbeenturnedoffsothenegatIvecategorybalanceonlyaffectsthIscategoryandhasno
Impactontherestofyourbudget.

ClIckheretolearnaboutFuleThree.
ClIckheretolearnhowtobudgetforprIordebt.
ClIckheretolearnhowtobudgetfornewpurchases.
ClIckheretolearnhowtobudgetforInterestandfees.
Step 1 - Co to the udget Screen.
ClIckonthe8udgettabtomovetothe8udgetScreen.

Step2 - udget money In the Pre-YNA 0ebt Category that matches the account.
EnteranamountInthe8udgetcolumn InthePreYNA80ebt:(NameofAccount)categorythatYNA8
createdtomatchthecredItcard.

J.11.2 8udgetIngforPrIor0ebt
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ThIsshouldbetheamountyou'dlIketopayonthedebtthIsmonth, andanymoneythatneedstobe
budgetedtoward newInterestorfeesyouwerecharged. EssentIally,budgetsomethIngforthepayment
youwIllbemakIngthIsmonth. Forexample,IfyouareplannIngtopayS200towardyourdebt,budgetS200
InthIscategory.
NotIcethatthecategorybalanceInthIscategoryhasnowchangedtoreflecttheamountofyou've
budgeted. tnowshowsthatyouowelessonthecard.

ClIckheretolearhowtobudgetfornewpurchases.
ClIckheretolearnhowtodealwIthInterestandfeesonacredItcardaccount.
Step 1 - Co to the udget Screen.
ClIckonthe8udgettabtomovetothe8udgetScreen.

Step 2 - udget an amount toward categorIes for whIch you wIII be usIng the card.
8udgetIngfornewpurchasesusIngacredItcardIspartofbudgetIngforyourexpensesIngeneral.fyouare
goIngtousethecardtopayforgrocerIes,youneedtohaveanamountbudgetedforgrocerIesbutYNA8
doesnotcarewhetheryoupayforyourbudgetedgrocerIeswIthacredItcard,wIthcash,wIthacheck,or
wIthadebItcard.AnytImeyoucategorIzeapurchaseasgrocerIes,ItIsspendIngpartofwhatyoubudgeted
forgrocerIes.ThIsIstrueregardlessofwhatformofpaymentyouuse.
|akIngaCredItCardpayment
Step 1 - Pecord any new purchases you make on the card In the approprIate account.
SelecttheaccountforthecredItcardyouusedtomakethepurchase. YouwIllnowneedtoenteran
outflowtransactIonforthepurchase.
KeepInmInd,youstIllneedtomaketheactualpaymenttothecredItcardcompanyInorderforthe
balancetogodown.

ClIckheretolearnhowto recordapayment.
KeepInmIndthatthIscategorymayhavemultIpletransactIons. YourstartIngbalancewIllbean
outflow,butIfyouarechargedInterestandfeesonthIsaccount,thosewIllalsobeoutflowstothIs
category. ToseealltheoutflowsthataffectthIscategory,clIckonthetotalIntheDutflowcolumn. A
popupwIllappearshowIngyouallthetransactIonsthatledtothetotalIntheDutflowcolumn.
AlwaysmakesureyouhavemoneyAvaIlableto8udgetbeforeyouassIgnmoneytocategorIes.
J.11.J 8udgetIngforNewPurchasesonaCredItCard
TheImportantthIngtorememberIsthattheactofusIngthecardtopurchasesomethIngIswhenthe
budgetedexpensehappens,eventhoughthemoneydoesn'tleaveyourcheckIngaccountuntIlafew
weekslater.
J.11.4 |akIngPurchaseswIthaCredItCard


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ClIckheretolearnhowtoenteroutflowtransactIons.
ClIckheretolearnhowtorecordapaymentonthecredItcard.



|akIngacredItcardpaymentInYNA8IsrecordedasatransfertothatcredItcardaccount.8ecauseyou
havealreadycategorIzedtheoutflowsthatcreatedthebalanceonyourcard,thIsIsreallyjustmovIng
moneybetweenAccounts. ThereforeacredItcardpaymenthasnoImpactonthe8udget.
Step 1 - Co to the account that you wIII be makIng the payment from. (ThIsIsusuallyyourcheckIng
account.)
SelecttheAccountyouwIllbemakIngthepaymentFFD|.
Step 2 - Pecord a new transactIon IndIcatIng that you made the payment on the card.
ClIckInthe0atefIeldtoenterthedate,orclIckonthedropdownarrowtoactIvatethepopupcalendar.
DncethecalendarappearsclIckonthedateofthetransactIontoselectIt.
Step 3 - Enter the Payee.
nthePayeefIeld, selectTransfer:(NameofCard)fromthedropdownmenu.
ThIswIllactIvateYNA8'stransferfeatureandensurethatthepaymentshowsupInyourYNA8credItcard
account.
Step 4 - SkIp the udget Category fIeId.
0onotselectacategory,andmoveontotheDutflowfIeld.
fyouaremakIngapaymenttoacredItcard,thereIsnoneedtoselectacategory. Whenyouusedthe
cardforpurchases,youIndIcatedtheapplIcablebudgetcategorIeswhenyouenteredthosepurchases. f
youhavePreYNA8debtonthecredItcard,thestartIngbalanceofthatdebtwascategorIzedtothePre
YNA80ebt:(NameofCard)categorythatmatchestheaccount. CategorIzIngagaInwIllaffectthebudget
twIceunnecessarIly.
Step 5 - Pecord the payment amount In the DutfIow fIeId.
AlwaysbudgetforexpensesbeforespendIngmoney. fyouplanonusIngthecardforgrocerIesorgas,for
Instance,makesureyoubudgetedmoneyInthosecategorIesforthosepurchases. Alwaysmakesureyou
havemoneyAvaIlableto8udgetbeforeyoubudgetmoneytocategorIes.
J.11.5 |akIngaCredItCardPayment
DnceacategoryIscreatedonthebudgetscreen,ItwIllappearIntheregIstercategorydropdownmenu.

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EntertheamountofthepaymentIntheDutflowfIeld. TofIgureouthowmuchofapaymenttomake:
A.) fyouarenotusIngthIscardanymore,andjusttryIngtopayItoff,entertheamountyoubudgeted
towardthedebtIntheDutflowcolumn.
8.)fyouusethIscardforpurchasesandpayItInfulleverymonth,sImplypaytheamountrequestedon
yourcredItcardbIll.
C.)fyouaretryIngtopayoffthIscardbutstIllusIngItfornewpurchases,you'llwanttorecordapayment
thatIncludeswhatyouspentonnewpurchasesAN0whatyoubudgetedfortheprIordebt.

Step 6 - See how the transactIon affected the CredIt Card Account.
ClIckonthebuttonInthePayeefIeldInthetransactIon. ThIsbuttonwIlltakeyoutothecredItcard
accountwhereYNA8hasenteredanInflowIntheamountofthepayment.
ClIckheretolearnhowtodealwIthInterestandfees.
Step 1 - SeIect the account that was charged the Interest or fee.
EachmonthwhenyougetyourcredItcardstatement,youwIllhavetoupdateyourYNA8credItcard
accountwIthanyInterestorfeesthatwerechargedonthecard.

Step 2 - Pecord a new transactIon IndIcatIng the Interest charge or fee.
ClIckInthe0atefIeldtoenterthedate,orclIckonthedropdownarrowtoactIvatethepopupcalendar.
Dncethecalendarappears,clIckonthedateofthetransactIontoselectIt.

Step 3 - Enter the Payee.
nthePayeefIeld,enterthenameoftheCredItCardCompany. SIncetheychargedtheInterestorfee,
theywIllultImatelyreceIvepaymentforthIsmoneythatIsleavIngyourlIfe.

Step 4 - SeIect a Category.
TheInterestandfeesbeIngchargedaffectboththebalanceofyourcardandtheamountyoumustbudget
topayoffInthesamewaythatmakInganewpurchaseusIngthecarddoes.8ecauseofthIs,youmust
categorIzetheseexpenses.
nthe8udgetCategoryFIeld,selectPreYNA80ebt:(AccountName)foryourcategory,sIncetheInterest
beIngchargedIstIedtothatpreexIstIngdebt.ThIswIllIncreasetheamountyouoweInthePreYNA80ebt
categorylIneInthe8udgetScreen.
Step 5 - Pecord the payment amount In the DutfIow fIeId.
ntheDutflowfIeld,entertheamountoftheInterestorfees.

Femember! You stIllneedtomaketheactualpaymenttothecredItcardcompany. WhatyouenterIn
YNA8Isjustarecordofthatpayment.
J.11.6 nterestandFeesonCredItCardAccounts
8esurethateachmonthyourpaymenttoyourcardIncludesatleasttheamountforthIsInterestandfees
plusanynewpurchases.

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fyouhavedebtaccounts,you'llneedtodecIdewhethertosetthemupasDn8udgetAccountsorDff
8udgetAccounts.

ThefollowIngtypesofdebtaccounts shouldbe Dn8udgetandaresetupthatwaybydefault.

DverdrawnCheckIng
CredItCards
LIneofCredIt
HomeEquItyLoan
ClIckheretolearnhowtohandledebtInanDn8udgetAccount.

ThefollowIngtypesofdebtaccountsareDff8udgetandaresetupthatwaybydefault.
|ortgage
DtherLoan/LIabIlItIes(I.e.CarLoan)
ClIckheretolearnhowtohandledebtInanDff8udgetAccount.
fyouhaveadebtaccountthatyourecordspendIngfrom,you'llwanttosetthatupasanDn8udget
Account. SInceyouwIllberecordIngspendIngInthIsaccount,you'llneedtocategorIzethespendIng. To
recordspendIngInanDn8udget0ebtAccount,enteratransactIonandchoosetheapproprIatecategory
fromthe8udyet Ccteyorymenu.

ThefollowIngtypesofdebtaccounts shouldbe Dn8udget:
DverdrawnCheckIng
CredItCards
LIneofCredIt
HomeEquItyLIneofCredIt

HerearethebasIcstepsforhandlInganDn8udget0ebtAccount. Asanexample,we'lluseaHome Equty
Lne oj Credt
Step 1 - Set up the debt account.

ncludethenameoftheaccount,thebalance,thestartIngdateandselectLne o] Credt fromtheAccount
Type dropdownmenu.
J.12 HandlIng0ebtInYNA8
J.12.1 HandlIng0ebtInDn8udget0ebtAccounts


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ClIckCrecte Account
ThenewAccountappearsInthetoplefthandcornerofthescreenunderthe8udgetTab.


AstartIngbalancetransactIonhasbeenenteredforyou. YNA8hascategorIzedthIsbalancetoacategory
thatItcreatedforyoucalledPreYNA80ebt:(NameofAccount).
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Step 2- hove to the udget Screen.

ThecategorycreatedbyYNA8forthedebtaccountappearsatthetopofthe8udgetScreen. FuleThree
hasbeenturnedoffsothat thenegatIvecategorybalanceonlyaffectsthIscategoryandhasnoImpacton
therestofyourbudget.

Step 3 - udget somethIng toward the debt In the Pre-YNA 0ebt: (Name of Account) category.

NotIcethatwhenyoubudgetsomethIngtowardthIscategory,thecategorybalancegoesdownthatsame
amount.ContInuebudgetIngsomethIngtowardthIscategoryeachmonthuntIlthecategorybalanceIsat
zero.


Step 4 -If you pIan to use thIs debt account for new purchases In other categorIes, budget somethIng
toward those categorIes.

Forexample,let'ssayyouplantousethIsaccounttopayforahomerepaIr. 8udgetsomethIngtowardyour
HomeFepaIrsCategory.


Step 5 - If you use thIs account for spendIng, record those transactIons In thIs account, categorIzIng
approprIateIy.
WhenyouspendmoneyontheHomeFepaIrsanduseyourHomeEquItyLIneofCredItforthepurchase,
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enterthetransactIonInthataccountregIsterandcategorIzeaccordIngly.



Step 6 - When you make the payment to thIs debt account, record a transfer wIth no category. The
budgetIsawareofthenewspendIngandwhatyou'vebudgetedfortheprIordebt. AtthIspoIntyouare
sImplychangIngthelocatIonofthemoney,sothereIsnoneedtocategorIzethetransfer.

8egInIntheaccountyou'llbemakIngthepaymentfrom. ThIsIsusuallyyourCheckIngAccount

fyougototheHomeEquItyLIneofCredItAccount,you'llseetheInflowhasbeenrecordedforyou.

Thepaymentamountshouldbe: AmountbudgetedtowardtheprIordebt+Amountofnewpurchases
nthIsexample: SJ00budgetedtowardprIordebt+S500Innewpurchases=S800payment.
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ThebalanceontheHomeEquItyLIneofCredIthasgonedown.


ThIstransactIonwasnotcategorIzed,thereforeIthasnoImpactonthe8udget.




fyouhaveadebtaccountthatyou0DNDTrecordIngspendIngfrom,you'llwanttosetthatupasanDff
8udgetAccount. Dff8udgetAccountsareaccountsthatyouhaveaddedtoYNA8prImarIlytotracktheIr
progress. Youmaymakepaymentstotheseaccounts,buttheseaccountsdonotprovIdemoneytofund
yourbudgetandyoudonotrecordspendIngfromtheseaccounts.

ThefollowIngtypesofdebtaccountsareDff8udget:
|ortgage
DtherLoan/LIabIlItIes

HerearethebasIcstepsforhandlInganDff8udgetdebtaccount. Asanexample,we'lluseaCar Loan.

Step1SetuptheDff8udgetAccount
ncludethenameoftheaccount,thebalance,thestartIngdateandselectLocnfromtheAccount Type
dropdownmenu.

SPECIAL NDTE:fyouareborrowIngaddItIonalmoneyfromyourdebtaccountandIncurrIngdebt,you
youshouldcategorIzeIttothePreYNA80ebtaccountthatmatchestheaccount. ThIswIllcausethe
categorybalancetoshowthatyouowemoredebttothataccount. 8udgettowardthatdebttopayIt
back.
J.12.2 HandlIng0ebtInDff8udget0ebtAccounts
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ClIckCrecte Account
ThenewAccountappearsInthetoplefthandcornerofthescreenunderThIsaccountdoesnotaffectyour
budget.


Step 2 - Create a category that you wIII use to budget for the debt on thIs account.

YouwIll usethIscategorytobudgetforthepaymentsyouwIllsendtothIsoffbudgetaccount.

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Step 3 - udget toward the debt.

nthe8udgetCategorycolumn,entertheamountyouplantopaytowardthIsdebtthIsmonth.



Step 4 - Pecord a payment to the debt account.

Cototheaccountyou'llbemakIngthepaymentfrom. ThIsIsusuallyyourCheckIngAccount. ClIckAdda
newtransactIon. nthePayee0rop0own|enu,selectTransfer: Pre-YNA 0ebt: (Name of Account).


nthe8udgetCategory0rop0own|enu,selectthematchIngcategoryfortheaccount.

AlwaysmakesureyouhavemoneyAvaIlableto8udgetbeforeyouassIgnmoneytocategorIes.
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ntheDutflowfIeld,entertheamountofthepayment,thenclIckSA7E. ThetransactIonIsentered.


Step 5 - CIIck on the transfer button and see the transactIon that YNA has automatIcaIIy entered as In
InfIow In the Dff-udget debt account.

Transfer utton:


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Here'swhatthetransactIonlookslIkeInthedebtaccount:


NotIcethatthebalanceonthedebtaccounthasgonedown:


Also,thebudgetreflectsthepaymentIntheoutflowcolumn.

CashAccountsarehandledInessentIallythesamewayasCheckIngAccounts. YouwIllsImplysetupan
accountforcashandenteralltransactIonsInthataccount.

AlternatIvely,youcantreatcashasacategory.
Step 1 - Set up your account:
ClIcktheAddAccount8uttontoaddyourCashAccount.
Nametheaccount(Wallet,Cash,etc),entertheamountofcashyouhaveonhand,enterastartIngdate
andselectCashfromtheaccounttypedropdownchoIces.

Step 2 - Learn how money Is sent to the budget.
ThestartIngbalanceofyourCashaccount Istheamountofcashyoucurrentlyhaveonhand. nyourCash
J.1J CashAccounts
J.1J.1 CreatIngaCashAccount


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account,yourStartIng8alancetransactIonhasbeencategorIzedasncome:AvaIlablethIsmonth. That
tellsYNA8thatthIsmoneyIsavaIlabletobebudgetedrIghtaway.
ncomeAvaIlableThIs|onthwasselectedfromthedropdownmenuInthe8udgetCategoryFIeld.

Step 3 - hove to the udget Screen.
ClIckonthe8udgettabtomovetothe8udgetScreen.

Step 4 - udget your avaIIabIe money.
nthe8udgetcolumnforthecurrentmonth,enterhowmuchmoneyyouwanttoassIgntoeachcategory,
untIlyourAvclcble to budyetamountIsS0. ThIsIsRule DneInactIon!

Step 1 - SeIect your cash account
SelecttheAccountfromwhIchyoumadethecashpurchase.
Step2 - Enter the 0ate.
ClIckInthe0atefIeldtoenterthedate,orclIckonthedropdownarrowtoactIvatethepopupcalendar.
DncethecalendarappearsclIckonthedateofthetransactIontoselectIt.

Step3 - Enter the Payee.
nthePayeefIeld,enterthenameoftheperson/place/companywhoreceIvedthepayment.

Step4 - CategorIze the transactIon.
SelectthecategorythatthetrcnscctonIsassocIatedwIth. ForInstance,IfyouspentthIsmoneyon
Food:CrocerIes,selectFood:CrocerIesfromthe0ropdownchoIces
Femember,thecategorIesthatappearIntheregIsterwerecreatedfromthelIstyoucustomIzedInthe
budgetwIndow. FegIsterCategorIesmatch8udgetCategorIes.

Step5 - Enter the amount of the outfIow.
ntheDutflowfIeld,entertheamountyouspent.
ClIckheretolearnhowtocustomIzeFegIsterFIelds

Step6 - See how the transactIon affected the budget.
YNA8hasrecordedtheoutflowforyouInthe8udgetScreen. Alwayskeepaneyeonhowmuchyou
budgetedInacategory,howmuchyouspentInacategory,andontheremaInIngcategorybalance.
YoucanImporttransactIonsfromyourbankIntoYNA8J Inoneoftwoways:
1.mportafIledIrectlyfromyourbank.
2.mportafIlethatyouhavealreadydownloaded.
J.1J.2 HowtorecordaCashTransactIon
AlwaysbudgetforexpensesbeforespendIngmoney. fyouplanonusIngcashforgrocerIesorgasfor
Instance,makesureyoubudgetedmoneyInthosecategorIesforthosepurchases. Alwaysmakesure
youhavemoneyAvaIlableto8udgetbeforeyoubudgetmoneytocategorIes.
J.14 mportIngTransactIons
J.14.1 mportInghIstorIcaldatafromanotherprogram



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AlthoughyoucanImportallofyourold|oney/QuIckendataIntoYNA8Pro,wedonotrecommendthat
you ImporthIstorIcaldata.
YNA8worksasaforwardlookIngspendIngandsavIngsmanagementplanforyourmoney.Assuch,ItIsnot
concernedwIthvastamountsofImportedhIstory.HavIngaccesstothathIstoryasamatterofrecordmay
havevalue,butIt'smoreImportanttofullyunderstandhowYNA8worksbeforeloadIngInthatmuchdata.
ThemaInreasonforthIsIsIfyousuddenlyImportyearsworthofdata,thenInordertokeepyourbrandnew
budgetcorrect,youwouldhavetogobacktotheearlIestdateoftheImporteddataandbudgeteachand
everydollartomakeItallmatchupIneverysInglemonth. 0ependIngontheamountofhIstorIcaldata,
thatcouldbeadauntIngandtedIoustask.
ConsIderthesepoInts:
1. HIstorIcaltransactIonshavelIttletonobearIngonfutureplans.WhIletheycanhelptogIveyouaplace
tostartplannIng(read:budgetIng),Itwon'tbeworththetroubleItwIlltaketogetthemInplaceandIn
order.
2. 8udgetIngIsallaboutcategorIesandassIgnIngdollarstojobs.fyouImportseveralmonthsoryearsof
uncategorIzedtransactIonsthenItwIllcreateahugeamountofworkforyouto categorIzeeachand
everytransactIon.fyouchoosenottocategorIzethemthentheywIllnotreflectInthebudgetnor
appearInanyreport.
J. AslongasyoucanstIllopenupyouroldsoftwarethenyouarebetteroffleavIngtheoldfIlestherefor
easyandfamIlIarreferenceasandwhenneeded.

TodayIsanewday! StartfreshbyfollowIngourCettIngStarteddIrectIonsandInnotImeatallyou'llhave
creatednewdata.

Step 1 - 0ownIoad the fIIe you wouId IIke to Import from your bank.
DnceyoubegIndownloadIngyourbankIngtransactIon,apopupwIndowappearsaskIngwhatyouwouldlIke
todowIththefIle.
YouwIllnotIcethat"DpenwIthYNA8J"IsoneoftheoptIons:
SelectthatasyourchoIceandclIckDK.YNA8JwIllImmedIatelystarttoopen.

Step 2 - SeIect the account you wouId IIke to Import the fIIe Into.
SelecttheaccountandclIckNext.

Step3 - CategorIze the Imported transactIons.
NowthedownloadedtransactIonsappearIntheaccountregIster.
NotIceallthetransactIonsareInboldandhavearemnderIconassocIatedwIththem.ThIsIsbecausethey
havenotbeenapprovedyet. ToapproveatransactIon,assIgnIttoacategory,andclIckapprove.
DnceacategoryhasbeenassIgned,theboldtextandtheremnderdIsappear.
J.14.2 mportIngTransactIonsdIrectlyfromyourbank'swebsIte
NDTE: DnceatransactIonhasbeencategorIzed,youwIllseetheeffectsonthe8udgetScreen. fyou
categorIzeanInflowtransactIonasncome AvaIlableThIs|onth,ItwIllbeAvclcble to 8udyetInthe
monthofthedateofthetransactIon. fyoucategorIzeItasncome AvaIlableNext|onth,ItwIll
becomeapartof nextmonth'sStartIng8uffer.

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CategorIzedoutflowswIllshowupIntheDutflowcolumnofthecorrespondIngcategoryonthe
budget screenandthatamountwIllbesubtractedfromthe8udgetedAmount.

YNA8JwIllImportthefollowIngformats:




fyou'vealready downloadedthefIlefromyourbankandjustneedtoImportIt,followthesesteps.
Step 1 - SeIect the Account you want to Import the fIIe Into.

Step 2 - CIIck the Import button at the top of the account wIndow.
Apopupappears:

WhenyouopenanImportfIlefromyourbankandYNA8IsnotyetrunnIng,YNA8nowassumesthatyou
wanttoImportItIntoyourlastopenedbudgetfIle.
J.14.J mportedFIleFormatTypes
Format Name
FIIe
ExtensIon
Important Notes
uIcken
FInancIaI
Exchange
.qfx
You'llsometImesseethIsdesIgnatedas"forQuIcken2005(|ac)E2007(PC)"
or"forQuIckbooks2007orlater".
Dpen FInancIaI
Exchange
.ofx
You'llseethIsdesIgnatedasfor|Icrosoft|oney2002orlater.Youmayalso
seeItdesIgnatedasfor|IcrosoftDffIceAccountIng.
uIcken
Interchange
Format
.qIf
You'llsometImesseethIswrIttenas"forQuIcken99to2004,or|Icrosoft
|oney".TransactIonsarenotunIquelyIdentIfIed,soYNA8can'ttellIfyou've
alreadyImportedatransactIon(andIgnoreIt).You'llneedtomakesureyou
stayontopofthedaterangeofyourlastImport.
Comma
Separated
VaIues
.csv
NotstandardIzedatallacrossbanks.fyourbankoffersanyoftheabove
formats,don'tuseCS7.t'snotthatIt'sbaddataoranythIng,youjustneedto
massagethedatabeforeYNA8canImportIt.
CS7'sarenotformattedwIthanystandardmethodology. norderforYNA8JtoImportyourbank'sCS7,
youwIllneedtomodIfyIttomatchYNA8J'srequIredCS7format. YoushouldbecomfortableworkIng
wIthspreadsheets,copyIngandpastIngcellsfromoneplacetoanother,andsavIngandretrIevIngfIles.
8ecauseoftheInherentdIffIcultIesthatarIsewhenusInganonstandardformat,ItIsrecommendedthat
youuse.DFX,.QFX,or.QFformatsforyourImportatIon.
J.14.4 mportIngafIlethatyouhavealreadydownloadedfrom
yourbank.


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Step 3 - rowse and fInd the fIIe on your computer.
UsIngthe8rowsewIndow,fIndthedownloadedfIle.
Apopupappears:


SelecttheaccountyouareImportIngtofromthedropdownchoIces.
fyouclIckontheImportprevIewbutton,you'llbeabletoseethetransactIonsyouareabouttoImportand
controlthewaytheyareImported.
fyouneedYNA8toImportPayeesas|emos,andvIcaversa,checkthebox. YouwIllthenseethemswItch
IntheprevIewwIndow. fyouareImportIngnQFformat,youcanalsochangethedateformat.

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Step4 - Import the fIIe.
ClIckonthe"mportSelectedFIle"buttontoImportthefIle.
7erIfytheaccountyouareImportIngInto.
AnewwIndowappearsthattellsyoutheImportwassuccessful,andexactlyhowmanytransactIonswere
ImportedtotheregIster.

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Step5 - CategorIze the Imported transactIons.
NowthedownloadedtransactIonsappearIntheaccountregIster.
NotIceallthetransactIonsareInboldandhavearemnderIconassocIatedwIththem.ThIsIsbecausethey
havenotbeenapprovedyet. ToapproveatransactIonassIgnIttoacategory.
DnceacategoryhasbeenassIgned,theboldtextandtheremInderdIsappear.
CategorIzedDutflowswIllshowupIntheDutflowcolumnofthecorrespondIngcategoryonthebudget
wIndowandthatamountwIllbesubtractedfromthe8udget.
TocategorIzeanImportedbanktrcnsccton,hIghlIghtthetransactIon. ThenselecttheapproprIate
ccteyoryfromthedropdownchoIcesInthe8udgetCategoryFIeld.

YNA8JautomatIcallycleansupandremembersyourPayees.
TochangethesettIngsforPayees,gotothe 7Iew|enuandthenselect"EdItPayeeSettIngs"fromthe
dropdownchoIces.


ApopupwIndowappears.
NDTE: DnceatransactIonhasbeencategorIzed,youwIllseetheaffectsonthe8udgetScreen. fyou
categorIzeanInflowtransactIonasncome AvaIlableThIs|onth,ItwIllbeAvclcble to 8udyetInthe
monthofthedateofthetransactIon. fyoucategorIzeItasncome AvaIlableNext|onth,ItwIll
becomeapartof nextmonth'sStartIng8uffer.
J.14.5 CategorIzIngmported8ank0ata
J.14.6 PayeeSettIngs


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TherearefourtasksyoucancontrolfromthIspopupwIndow.

1. EnabIe Payees DnthelefthandsIdeofthewIndowIsalIstofPayeesthatyouhaveenteredInYNA8.
WhenaPayeeIsenabled,YNA8wIllrememberthatPayeeandautofIllthenameonceyoustarttypIng.For
example,IfthePayeeIs"|ortgageCompany",assoonasyoustarttypIng"|or",YNA8wIllfIllIntherest.
|akesurethecheckboxIsenabledforeachPayeeyouwantYNA8toremember.

2. Auto FIII PuIes DntheupperrIghthand partofthePayeeSettIngs screen,youcantellYNA8Ifyou
wantacertaIncategory andInfloworoutflowamountattachedtoaspecIfIcPayee. Forexample,wIthAAA
selectedfromPayees,selectCar:AAA|embershIpInthe8udgetCategoryFIeld,thenenterS50Inthe
DutflowfIeld.FromthatpoInton,wheneveryoubegInenterIngaFegIstertransactIonwIthAAAasthe
Payee,YNA8wIllenterCar:AAA|embershIpInthecategorycolumn,andS50IntheDutflowcolumn.

3. Import PenamIng PuIes fthebankfIleyouImportIntoYNA8doesnotusethesamenameforPayeesas
YNA8does,youcanchangethathere. FromthelIstontheupperleftsIdeofthewIndow,hIghlIghtthe
categoryfromthedropdownchoIces.

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ThenInthe"mportFenamIngFules"wIndow,managetherulesforthatcategory. Forexample,Ifyour
bankstatementlIsts Walmartas"100|aInStreet,USA",youwouldselect fmportedPayeeS"100|aIn
Street,USA". FromthatpoInton, wheneveryouImportafIlethatcontaIns"100|aInStreet,USA",YNA8
wIllnameItWalmart. Further,IfyouclIck"ApplyrenamerulestoexIstIngtransactIons"alltransactIons
thatwereImportedprevIouslywIllberenamed.
Tocancelarule,clIckontheredcancelbutton.


4. Auto-fIII specIfIc fIeIds AtthebottomofthewIndowyoucanselectwhIchfIeldsareautofIlledforall
Payees. Forexample,thIsIshandyIfyouwantaspecIfIcPayeetoalwaysassIgnacertaIncategory,butyou
donotwantIttofIllIntheamount. SImplyclIckthecheckboxtoenableautofIllforaspecIfIcfIeld.
YNA8JwIllhelpyoumatchtransactIonsfromyourbankIfyouhavealreadyenteredthattransactIon
manually.
SamplescenarIo:Yougoto|c0onald'sforlunchandyouspendS14.67usIngyourdebIt card. Whenyou
comehomeyouenterthatIntoYNA8manually. Afewdayslater,youdownloadtransactIonsfromyour
bankandthatsametransactIonIsImportedIntoYNA8,thusenterIngItasecondtIme.
HereIswhatweseeuponImport:

YNA8IsshowIngthebanktransactIonInfoandwhatweenteredmanually. NowIfyouclIckonthe
transactIonyoucanedItIt: NotIcethePayeefromthebankIsmuchlonger.
J.14.7 |atchIngmportsagaInstmanuallyenteredtransactIons
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fYNA8wasIncorrectandthetransactIonsshouldnotbematched,clIckUN|ATCHandtheywIllbe
separated. DnceyoucategorIzeatransactIon,IfyouImportfromthatPayeeagaInInthefuture,YNA8wIll
rememberhowyoucategorIzedIt. You'llalsonotIcethatonceapproved,YNA8selectsyourPayeeandover
thebanks.

0ownloadthIssamplefIletoyourdesktop.YoucanopenItwIthanyspreadsheetsoftware(DpenDffIce,|S
Excel,NeoDffIce,orNumbers).toutlInestheexactformatthatYNA8needsandIncludessomesImple
InstructIons.
fyouareonWIndows,youmayalsobeInterestedInahandypIeceoffreewarecalledCS7edthatIsa
greattooltoquIcklyedItanyCS7youmayhavetogetItIntotheproperformat.
CS7formatsaretheleastdesIrableoftheformatsthatYNA8Imports- thereasonbeIngthatthere'sno
standardbywhIchbankscreatetheIrCS7exports.8ankAcangenerateoneway(whIchwecouldprogram
for),where8ank8couldgenerateoneacompletelydIfferentway.We'dbeprogrammIngforthousandsof
banks(andthenhavIngtomaIntaInthatcodewhentheydecIdedtomakesomeseemInglyInnocuous
change!).TheotherformatsarefarsuperIor.
YNA8stronglyrecommendsthatyousetupyoursavIngsaccountstobetrackedInyourbudget. fyouknow
whatthesavIngsaccountIsfor(forexample:vacatIon,homerepaIr,etc)sImplybudgetthemoneytothose
categorIes.
fyoudonothaveaspecIfIcplanforthesavIngsaccount,youcansetupacategorytomatchItInthe
budget.
However,theremaybetImeswhenthesavIngsaccountIsreallyalongtermsavIngsaccountandIsnota
partofyourregularbudget. nthatcase,youmaywanttotrackyoursavIngsasanDff8udgetaccount.
ClIckheretolearnaboutDff8udgetAccounts
Step 1 - Create the SavIngs Account In the PegIster
ClIckontheAddAccountbuttontoaddanaccountforyoursavIngsaccount.
ApopupwIllappear:

J.14.8 mportIngCS7FIles
J.15 SavIngsAccounts
J.15.1 CreatIngaSavIngsAccount



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Enterthenameoftheaccount,thestartIngbalanceandstartIngdatefortheaccount. Underaccount
types,selectSavIngs. ClIck0DNE.
AnewaccounthasbeensetupforyouIntheregIsterandtheInItIaltransactIonhasbeen categorIzedas
lncome Avclcble Ths Month.ThIstellsYNA8thatthetransactIonwIllaffectthebudgetscreen.

Step 2 - hove to the udget Screen.
ClIckonthebudgettabtomovetothe8udgetScreen.
TheamountofthestartIngbalancenowappearsaslncome Avclcble Ths Month.

Step 3 - udget the money where needed.
YoucanbudgetthemoneytowhatevercategoryorcategorIesyouaresavIngthemoneyfor. (Forexample:
7acatIon,Homemprovement,NewCar,etc.)YoucanalsoaddcategorIesspecIfIcallyforthataccountIf
youwantto.ThemoneywIllwaItthereInthosecategorIesuntIlyouspendItandrecordanoutflow.(Rule
Two)


Step 1 - Pecord an outfIow from SavIngs
SelecttheAccount
J.15.2 EnterIngDutflowsfromaSavIngsAccount
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82 YNA8JUserCuIde
fyoucannotmakeapaymentdIrectlyfromthIsaccountyouwIllhavetomovethemoneytoadIfferent
accountbeforemakIngthepayment.
ClIckheretolearnhowtotransfermoneybetweenaccounts.

Step 2 - Enter the 0ate
ClIckInthe0atefIeldtoenterthedate,orclIckonthedropdownarrowtoactIvatethepopupcalendar.
DncethecalendarappearsclIckonthedateofthetransactIontoselectIt.

Step 3 - Enter the Payee
ClIckInthePayeefIeld. Enterthenameoftheperson/place/companywhoyoupaId.

Step 4 - CategorIze the transactIon
SelectthecategoryfromthedropdownchoIces.

Step 5 - Enter the amount of the outfIow
ntheDutflowfIeld,entertheamountyoupaId.

Step 6 - See how the outfIow affected your budget.
ClIckonthebudgettabtomovetothe8udgetScreen. nthecorrespondIngcategoryyouwIllseethe
outflowthatyoujustentered.


|anypeopleseekoutYNA8becausetheyaretIredoflettIngtheIrmoneycontrolthem.WhIleYNA8'sgoalIs
foryoutolIveonemonthbehIndyourIncome(FuleFour)noteveryonestartsoutthatway.|anyhaveto
contInuetolIvepaychecktopaycheckuntIltheycanbuIlduptheIrbuffer(onemonth'sexpenses)over
tIme.t'snottheIdealwaytouseYNA8,butItwIllwork.
ForthoseofyoustartIngInoverdraftyoufaceanevenbIggerhurdle,butItIsnotImpossIble.fyouareIn
overdraft,yourgoalshouldbetogetrIdofthatdebtassoonaspossIble.Yes,overdraftIsdebtbecauseItIs
moneyyouowe.TogetrIdofItquIckly,youshouldtrytostopallpurchasesthatarenotnecessarytoyour
survIvalandthatwIllnotmakethIngsworse.CutoutanythIngyoucan,fromthatdaIlycupofcoffeetothe
cablebIll.YoucanmakecoffeeathomeandyoucancatchuponyourfavorIteshowslaterInrerunsoron
070.You'llobvIouslywanttopayyourrent,necessarybIlls,putgasInyourcarandeat.8utIfIt'snot
mandatoryornecessary,cutItoutfornow.CanyoucutoutextraphoneservIces:sthereabusyoucan
taketoworkforawhIle:CanyoueatonlyathomeandcuteatIngout:
HowyouhandleyouroverdraftwIlldependgreatlyonthetermsoftheoverdraftandwhatthebank
rules/feesare.talsomakesabIgdIfferencehowfarIntooverdraftyouareandhowquIcklyyoucanpay
backthefullamount.
deally,youshould:
Enterncome 8udgetthosedollarsFecordSpendIng
Younow fIndyourselfInDverdraftbecauseyouskIppedthecrItIcalbudgetIngstepandhaveIncurred
debt. WhIlenotbudgetInggotyouIntothIs sItuatIon, havenofearbudgetIngwIllgetyouout!
ThIssectIonsoutlInesthefollowIngsteps:
SettIngupanDverdraftAccount
8udgetIngfortheDverdraft8alance
0ealIngwIthDverdraftovertIme
J.16 StartIngInDverdraft
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0ealIngwIthDverdraftnterestandFees
0ealIngwIthaseparateLIneofCredIt
Step 1 : CIIck on the "Add Account" button:


ApopupwIndowwIllappear. Enterthenameontheaccount,thenegatIvestartIngbalance,thestartIng
dateandselectCheckIngfromtheaccounttypedropdownmenu.

Step 2. CIIck "Create Account".
YNA8wIllthenaskyouIfyouaresureaboutthenegatIvebalance.

J.16.1 DverdraftCheckIngAccount
J.16.1.1 SettIngUpTheDverdraftCheckIngAccount
|akesureyouplaceamInussIgn()beforethestartIngbalancetoIndIcatethatItIsnegatIve.


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Step 3: CIIck "The vaIue Is correct".

ThenewaccountwIllnowappearIntheupperlefthandcornerofthescreenwIththenegatIvestartIng
balance.

Step 4: YNA has entered a startIng baIance transactIon for you and created a new category.

YNA8hascreatedanewcategoryforyoucalled: PreYNA80ebt:(NameofAccount).

Step 5: hove to the udget Screen.
YouwIllseethIssamecategoryatthetopofthe8udgetScreen.

ThestartIngbalancehasbeenenteredasandoutflowandFuleThreehasbeenturnedoffsothenegatIve
balanceonlyaffectsthIscategoryandnotyourentIrebudget.ThIswasdonebecause,whIleyouIncurred
thIsdebtprIortoworkIngwIththeaccountInYNA8,dealIngwIthItmustbepartofyourcurrent8udget
plan.

deally,youshould:
J.16.1.2 8udgetIngfortheDverdraft8alance
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FeceIvencome8udgetthosedollarsFecordSpendIng
YounowfIndyourselfInDverdraftbecauseyouskIppedthecrItIcalbudgetIngstepandhaveIncurreddebt.
WhIlenotbudgetInggotyouIntothIssItuatIon,havenofear budgetIngwIllgetyouout!
Topaybacktheoverdraftbalance,youwIllsImplybudgetanamounttowardthatcategory.
Step 1: Enter your next paycheck when It arrIves.
CategorIzeItasncome:AvaIlableThIs|onthsoItcangotoworkInthecurrentmonth.


Step 2: hove to the udget Screen.

YounowhavemoremoneyAvaIlableto8udget.


Step 3: To pay back the Dverdraft aIance, sImpIy budget somethIng toward the Pre:YNA 0ebt (Name
of Account) category.


You'llnotIceasyoubudgettothatcategory,thebalancegoesdown.

ContInuebudgettowardthIscategorywhenyoureceIveIncomeuntIlthebalanceIspaIdInfull.
Dften,thebankwIllpaythemselvesbackFFSTInfulloutofyournextpaycheck,makIngItdIffIcultforyou
tomanageotherexpensesInyourlIfe.
J.16.1.J 0ealIngwIthDverdraftDverTIme
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ftheytaketheentIreamount,thenyouneedtobudgettheentIreamounttowardthePreYNA80ebt:
(NameofAccount)category.


WIthwhatyouhaveleft,budgettootherspendIngareas,prIorItIzIngasyougo.8esurethatyouonly
budget(andspend)thedollarsthatyouhave,makIngsureyour"AvaIlableto8udget"doesn'tgobelowzero
oryou'lllIkelyendupInoverdraftagaIn.
Askyourself:WhatdoesthIsmoneyneedtodobeforeampaIdagaIn:
fyouendupInDverdraftagaIn,justrecordthetruthasyoumoveforward. Forexample:
fyougogroceryshoppIngandthetrIptothestorecausesyoutooverdraft,categorIzethetransactIonas
Food:CrocerIes. That'sthetruth that'swhathappened. YouoverspentongrocerIes.

TherearetwowaystodealwIththIsoverspendIng:

DptIon1: |ovesomefundsaroundInyourbudgettocorrecttheoverspendIng (Ifyoucan).
nthIsexample,havebudgetedS50towardclothIng.
'lllowerthattoS25.
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Then'llelImInatetheS50from|Iscellaneous:
NowcanaddthatS75toCrocerIes,elImInatIngtheoverspendIng.

DptIon 2: Let the overspendIng stand and Iet PuIe Three take care of It.
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YNA8wIllsubtracttheoverspendIngfromnextmonth'smoney.

fyouarechargedanoverdraftfeeorInterest,you'llneedtorecordthatInYNA8.

Step 1: Enter a transactIon In the amount of the fee and categorIze It to Pre-YNA 0ebt: (Name of
Account).

ThIswIllnowshowuponthebudgetscreenandIncreasetheamountyouoweInthatcategory.


Step 2: To pay back the fee, sImpIy budget more toward that category.


fyourDverdraftAccountIsaseparateLIneofCredItfromyourCheckIngAccount,you'llneedtohandle
thatalIttledIfferently.

LDCs(LIneofCredItAccounts)arehandledtypIcallyInoneoftwoways:
EItherway,Ifyouoverdraft,youarespendIngmoneyyoudonothave. YourgoalovertImeshouldbeto
elImInateallredfromyourbudget.
J.16.1.4 DverdraftnterestandFees
WhIleoverdraftIngonceyoustartusIngYNA8shouldjustbeapplIedtothecategoryInwhIchyouspent,
InterestandfeesaredIrectlyconnectedtotheoverdraftlIneItselfandshouldbecategorIzedthatway.
fyoucan'tbackItbackInthemonthItoccurred,that'sokay. JustpayItbackassoonasyoucanwhen
youhavethemoney.
J.17 LIneofCredItAccounts


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1. YouspenddIrectlyfromtheLDC.
2. YouborrowfromtheLDC,andspendthatmoneyfromyourCheckIngAccount.

ClIckontheapproprIatelInkformoreInformatIon.
fyourLIneofCredItIsanaccountthatyoucanspendfromdIrectly,ItshouldbehandledIntheexactsame
waythatCredItCardsarehandled.

SeeCredItCardsformoreInformatIon
fyouborrowmoneyfromthIsLDC,you'llwanttodoafewthIngs:

1. FecordthemoneyleavIngyourLDC.
2. |akesureyouhaveaplacetobudgetforthedebt.
J. FecordthemoneycomIngIntoyourCheckIngAccount.
4. FecordthemoneycomIngIntoyour8udget.

PECDP0INC THE hDNEY LEAVINC YDUP LDC. - 8egInbysettIngupanAccountfortheLDC.
Step 1 : CIIck on the "Add Account" button:


ApopupwIndowwIllappear. Enterthenameontheaccount,thenegatIvestartIngbalance,thestartIng
dateandselectLIneofCredItfromtheaccounttypedropdownmenu.

J.17.1 SeparateLIneofCredItthatYouSpendfrom0Irectly
J.17.2 SeparateLIneofCredItThatActsasaLoan


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Step 2. CIIck "Create Account".

ThenewaccountwIllnowappearIntheupperlefthandcornerofthescreenwIththenegatIvestartIng
balance.


Step 3: YNA has entered a startIng baIance transactIon for you and created a new category.

YNA8hascreatedanewcategoryforyoucalled: PreYNA80ebt:(NameofAccount).

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hAKE SUPE YDU HAVE A PLACE TD U0CET FDP THE 0ET. - YNA8takescareofthIsforyou.

Step 4: hove to the udget Screen.
YouwIllseethIssamecategoryatthetopofthe8udgetScreen.



ThestartIngbalancehasbeenenteredasandoutflowandFuleThreehasbeenturnedoffsothenegatIve
balanceonlyaffectsthIscategoryandnotyourentIrebudget.ThIswasdonebecause,whIleyouIncurred
thIsdebtprIortoworkIngwIththeaccountInYNA8,dealIngwIthItmustbepartofyourcurrent8udget
plan.

PECDP0 THE hDNEY CDhINC INTD YDUP CHECKINC ACCDUNT.

Step 5 - hove to your CheckIng Account Enter anInflowIntheamountoftheloan.
Step6 - CIIck "Adda new TransactIon" In the regIster.

Step7 - Enter the 0ate.
ClIckInthe0atefIeldtoenterthedate,orclIckonthedropdownarrowtoactIvatethepopupcalendar.
Dncethecalendarappears,clIckonthedateofthetransactIontoselectIt.

Step8 - Enter the Payee.
nthePayeefIeld,enterthenameoftheperson/place/companywhopaIdyouthemoney(orIfyouused
thIsPayeebefore,selectItfromthedropdownmenu).

PECDP0 THE TPANSACTIDN CDhINC INTD YDUP U0CET

Step - CategorIze the transactIon.
nthe8udgetCategoryFIeld,selectoneofthencomechoIcesfromthedropdownmenu.
YNA8hastwodIfferentoptIonsforenterIngncome. fyouchooselncome Avclcble Ths Monththe
moneywIllbecomeavaIlableforbudgetIngdurIngthemonthofthedateyouenteredforthetransactIon.
Forexample,IfthedateenteredIsaSeptemberdate,themoneywIllbeavaIlableInSeptember.

fyouchooselncome Avclcble Next Month,themoneywIllbecomeavaIlableforbudgetIngdurIngthe
followIngmonth. Forexample,IfthedateenteredIsaSeptemberdate,themoneywIllbeavaIlableIn
Dctober.

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Step10 - Enter the amount of the InfIow.
nthenflowFIeld,entertheamountyoureceIved.

Step11 - See how the Income affected your budget.
ClIckonthe8udgettabtomovetothe8udgetScreen.
fyouchosencomeAvaIlableThIs|onthYouwIllsee thIsInflow lIstedInthebudgetheaderaslncome
Avclcble Ths MonthandIsnowAvclcble to 8udyet.
fyouchosencomeAvaIlableNext|onthYouwIllseethIsInflowlIstedInthebudgetfooteraslncome
Avclcble Next Month. twIllbecomeapartofnextmonth'sStartIng8u]]er.


TheschedulerworkslIkeanautomatIcregIster. YoucansetupreoccurIngtransactIonsInthescheduler
andYNA8wIllautomatIcallyenterthemIntotheregIsteronthedateyouspecIfy.
TheSchedulerlooksandfeelsalotlIketheFegIster.UsIngtheSchedulerbuIltIntoeachaccount,youcan
setYNA8JtoautomatIcallyenteranyregularlyrecurrIngtransactIons. YouentertheInformatIonIntothe
ScheduleronceandeachtImethetransactIonoccurs,YNA8JtakesoverandenterstherecurrIng
transactIonsIntotheFegIsterforyou,onascheduleyouhaveset.
ThIswIlldeductthemoneyfromyour8udgetScreenaswell(ItwIllshowupInthespentcolumnonyour
8udgetScreenInthecategoryyougaveIt);so,don'tforgettobudgettheamounteachtImeInthe
approprIatecategory sothatthereIsmoneyavaIlableforthetransactIon.

Step 1 - SeIect the Account where the ScheduIed transactIon wIII take pIace.
SelecttheAccount.

Step 2 - SeIect the date of the fIrst occurrence.
ntheScheduler0atefIeldselectthedatethatyou'dlIkethIsscheduledtransactIontofIrstappearInyour
regIster.

Step 3 - Enter the frequency of the transactIon.
0etermInehowoftenthIstransactIonwIlloccurandselectthefrequencyfromthedropdownchoIces.

Step 4 - Enter the Payee
ntheSchedulerPayeefIeld,enterthePayeewhowIllreceIvethepaymentIfItIsanoutflow. fyouare
receIvIngthIsmoney(ForExample:apaycheckthatIsdIrectdeposIted)enterwhopaIdyou.

Step 5 - SeIect a category
SelectthecategorythatyouwIlluseforthIstransactIon.

Step 6 - Enter the amount of the transactIon
0oesyourtransactIonaffectmorethanonecategory: fso,you'llneedtoenteraSplItTransactIon.
J.18 Scheduler
J.18.1 EnterIngaScheduledTransactIon


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fyouwIllbespendIngthIsmoney,entertheamountIntheDut]lowfIeld.
fyouwIllbereceIvIngthIsmoney,entertheamountIntheln]lowfIeld.
DnoccasIon,you maywantto movethetransactIontotheassIgnedregIsterImmedIately. Forexample:a
paymentthatIsascheduledtransactIonclearsthebankearly.
TodothIs,selectthetransactIonyouwanttomoveearlybyclIckIngthecheckboxtotheleftofthedate
fIeld:

ThenclIckthedownarrowontheSchedulerActIon|enu:

andfromthechoIcesselectEnterInregIsternow


ThetransactIonwIllImmedIatelybeplacedIntheregIsterandthefrequencywIllbeadjustedtothenext
scheduleddate.
TherearetwowaystodeleteatransactIon.
SelectthetransactIonyouwanttomoveearlybyclIckIngthecheckboxtotheleftofthedatefIeld:


ThenclIckthedownarrowontheSchedulerActIon|enu:


Select0eletefromthedropdownchoIces:

J.18.2 0eletIngaScheduledTransactIon
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YoucanaccessthesamechoIcesbyhoverIngoverthetransactIonyouwouldlIketodeleteuntIlthe
TransactIon|enubuttonappears:

WhenyouclIckIt,thesameoptIonsappearthatareIntheSchedulerActIon|enu.

fyouneedtorecordInterestorafeethatwaschargedtoanexIstIngaccount,you'llfIrstneedtoknow
whattypeofYNA8accountIsaffectedbythecharge.

ClIckheretolearnhowtodealwIthInterestandfeesInDn8udgetAccounts.(Forexample,CredItCard
Accounts)

ClIckheretolearnhowtodealwIthInterestandfeesInDff8udgetAccounts. (Forexample,carloans,
mortgageloans)

SampIe Dn-udget Accounts that may be charged Interest or a fee:CredItCard,LIneofCredIt,Dverdraft
CheckIngAccount.
Step 1 - SeIect the account that was charged the Interest or fee.
Eachmonthwhenyougetyouraccountstatement,youwIllhavetoupdateyourYNA8 accountwIthany
Interestorfeesthatwerechargedtothataccount.

Step 2 - Pecord a new transactIon IndIcatIng the Interest charge or fee.
ClIckInthe0atefIeldtoenterthedate,orclIckonthedropdownarrowtoactIvatethepopupcalendar.
Dncethecalendarappears,clIckonthedateofthetransactIontoselectIt.
Step 3 - Enter the Payee.
nthePayeefIeld,enterthenameofthenameoftheaccount. SIncetheychargedtheInterestorfee,they
wIllultImatelyreceIvepaymentforthIsmoneythatIsleavIngyourlIfe.

Step 4 - SeIect a category.
Note8ox TheInterestandfeesbeIngchargedaffectboththebalanceofyouraccountandtheamountyou
mustbudgettopayoffInthesamewayanewexpenseontheaccountdoes.8ecauseofthIs,youmust
categorIzetheseexpenses.
J.19 nterestandFees
J.19.1 nterestandFeesInDn8udgetAccounts


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nthe8udgetCategoryFIeld,selectPreYNA80ebt:(AccountName)foryourcategory,sIncetheInterest
beIngchargedIstIedtothatpreexIstIngdebt.ThIswIllIncreasetheamountyouoweInthePreYNA80ebt
categorylIneInthe8udgetScreen.
Step 5 - Pecord the totaI amount of Interest and fees In the DutfIow fIeId.
ntheDutflowfIeld,entertheamountoftheInterestorfees.
SampIe Dff-udget Accounts that may be charged Interest or a fee: CarLoan,StudentLoan,|ortgage.

Step 1 - SeIect the account that was charged the Interest or fee.
Eachmonthwhenyougetyouraccountstatement,youwIllhavetoupdateyourYNA8 accountwIthany
Interestorfeesthatwerechargedtothataccount.
Step 2 - Pecord a new transactIon IndIcatIng the Interest charge or fee.
ClIckInthe0atefIeldtoenterthedate,orclIckonthedropdownarrowtoactIvatethepopupcalendar.
Dncethecalendarappears,clIckonthedateofthetransactIontoselectIt.
Step 3 - Enter the Payee.
nthePayeefIeld,enterthenameoftheaccount. SIncetheychargedtheInterestorfee,theywIll
ultImatelyreceIvepaymentforthIsmoneythatIsleavIngyourlIfe.
Step 4 - Pecord the amount In the DutfIow fIeId.
ntheDutflowfIeld,entertheamountoftheInterestorfees.



8esurethateachmonthyourpaymenttothIsaccountIncludesatleasttheamountforthIsInterestand
fees.
J.19.2 nterestandFeesInDff8udgetAccounts
nanDff8udgetaccount,theInterestthatyouarechargedsImplybecomesapartofthetotalbalanceon
thecard. EachmonthyouwIllbudgetanamounttowardthetotaldebtandmakeapaymentInthat
amount.


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The8udgetScreenIswhereyoukeeptrackof yourspendIngcategorIesandspendIngplans. Dutflow
transactIonsenteredInaccountsareenteredIntheDutflowcolumnonthe8udgetScreen.ncomeentered
aslncome Avclcble Ths MonthmakesmoneyavaIlabletobudgetInthecurrentmonth. ncomeentered
aslncome Avclcble Next Monthbecomesapartofnextmonth'sStartIngYNA8 8uffer.
Tousethe8udgetScreen,assIgnmoneytoeachofthecategorIesInthebudgetedcolumn.
Dnthebudgetscreenyou'llnotIceaheaderatthetopofthemonthandafooteratthebottomofthe
month.
TheheaderprovIdesyouwIthInformatIontomanagethecurrentmonth'sbudget. LIstedare:
1. Your StartIng YNA uffer - howmuchmoneywasleftfrom theprevIous monththathasrolled
forwardIntothecurrentmonth.
2. Income AvaIIabIe ThIs honth the total ofall transactIonsthatwereenteredtobeavaIlabletobudget
Inthecurrentmonth.
J. udgeted eIow theamountofmoneythathasbeenassIgnedtocategorIes.
4. AvaIIabIe to udget YourStartIngYNA88uffer PLUSncomeAvaIlableThIs|onth |NUSwhatyou
havebudgetedbelow.
HoveroveranyofthosewordstodIsplayatooltIpwIthmoreInformatIon.
Theheadercanbeexpanded tovIew alltheaboveInformatIon,orItcanbecollapsedsoyouonlyseethe
Avclcble to 8udyetamount.
SImplyclIckonthenameofthemonthtocollapseorexpandtheheader.

HeaderExpanded
HeaderCollapsed
ThefooterprovIdesyouwIthInformatIononhowthIngswentdurIngthecurrentmonth,andhow your
spendIngInonemonth wIllaffectthenextmonth.
LIstedare:
1. AvaIIabIe to udget thIsamount,alsoshownIntheheader,showstheamountofmoneynotassIgned
4 8udget
4.1 8udgetScreen
4.1.1 8udgetHeaderandFooter


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tobudgetcategorIes.
2. Income AvaIIabIe Next honth thetotalofalltransactIonsthatwereenteredtobeavaIlableto
budgetInthenextmonthIsaddedtoyourAvclcble to 8udyetnumber.
J. DverspendIng thetotaloverspendIngthatoccurredthIsmonth
4. YNA uffer for next month thetotalofyourAvclcble to 8udyetplusyourlncome Avclcble Next
MonthmInusanyoverspendIng. ThIsIstheamountofmoneywIthwhIchyouwIllstartnextmonth's
budget.
HoveroveranyofthesewordsInthefooter todIsplayatooltIpwIthmoreInformatIon.
The footercanbeexpandedtovIewalloftheaboveInformatIon,orItcanbecollapsedsoyouonlyseeyour
YNA88ufferfornextmonth.
SImplyclIckonYNA88ufferfornextmonthtocollapseorexpandthefooter.
FooterExpanded
FooterCollapsed
fyoubudgetmoredollarsthanyouhaveAvclcble to 8udyetyouwIllseeawarnIngIntheheaderInred
textInplaceoftheAvaIlableto8udgetnumber. TocorrectthIs,lowerbudgetedamountsIndIfferent
categorIesuntIltheAvclcble to 8udyet amountIszeroorhIgher.

WarnIngDver8udgeted

ThebudgetedcolumnIsthe lefthandcolumnIneachmonth. ThIsIstheonlycolumnthatyouwIlledIton
thIsscreen. nthebudgetedcolumn,youwIllassIgnmoneytoeachcategoryafterenterIngIncomeInthe
regIster.

4.1.2 8udgetedColumn
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ForaddItIonalInformatIonsee:
FecordIngncome
TheDutflowcolumnIsthemIddlecolumnonthebudgetscreentotheImmedIaterIghtofthebudgeted
column.

TheTotaI udget AmountcanbevIewedatthebottomofthe8udgetjustabovetheFooter. ThIsIsa
sumofhowmuchyouhavebudgetedthIsmonthInthecategorIesabove.
4.1.J DutflowColumn
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TheamountIntheDutflowcolumnIsautomatIcallycalculatedforyoubasedoncategorIzedtransactIons
youenterIntheregIsterofeachaccount.
Forexample,If wemakethreetrIpstotheCroceryStoreasfollows:
January2ndS50.00
January14thS140.00
January27thS90.00
That'satotalofS280.00,andthIsamountwIllappearIntheDutflowcolumn.

Further,IfyouhoverovertheamountIntheDutflowcolumn,apopupwIllappearthatlIstsallthe
outflowsassocIatedwIth eachcategory. YoucanclIckonatransactIonandyouwIllbetakento the
actual transactIonIntheapproprIateaccountregIster.

TheTotaI DutIfows canbevIewedatthebottomofthe8udgetjustabovetheFooter. ThIsIsasumofall
outflowsIntheoutflowcolumnabove:
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TheCategory aIancecolumnIsthecolumnfurthesttotherIghtonthe8udgetscreen.


TheamountInthIscolumnIsautomatIcallycalculatedforyoubasedonhowmuchyoubudgetedInacertaIn
categoryandhowmuchyou'vespentsofarInthatcategory. talsoIncludesanyposItIvebalancesthatwere
carrIedoverfromtheprevIousmonths.
4.1.4 Category8alanceColumn
TheTotaI Category aIancecanbevIewedatthebottomofthe8udgetjustabovetheFooter. ThIsIsa
sumofthebalancesInallcategorIesabove:

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YoucanuseYNA8'sdefaultsetofcategorIesoryoucaneasIlycustomIzethemtofItyourownneeds.
ToedItanexIstIngCcteyoryorMcster Ccteyory,hoveroverthenameandthenclIckonthelInkthat
appears. Type anewname,orchoosedeleteIfIt'sacategoryyouwIllnotbeusIng,thenclIck0DNE.

WhenyouclIckonItapopupappears. EnteranameforthenewcategoryandclIck0DNE.
Atthetopofthe8udgetScreenabovethelIstofcategorIes,thereIsabuttonlabeledAddCategory.
ClIckonthebuttonandapopupappears. Enterthenameofthenew|asterCategoryandclIck0DNE.



CollapsIng/ExpandIngArrow

CategorIesCollapsed

CategorIesExpanded
TheformulaIs:
PrevIous|onth's8alancePLUSAmount8udgetedthIs|onth|NUSDutflowsthIsmonth
4.1.5 CustomIzIngCategorIes
4.1.6 CreatIngaNew|asterCategory
ClIckIngthearrowtotheleftofa|asterCategorywIllexpandthevIewtoshowallrelatedcategorIes.
ClIckIngthearrowagaInwIllcollapsethevIewandhIdetherelatedcategorIes.


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WhenyouhoveroveraMcster CcteyoryyouwIllseealInkcalledAdd. FromthatlInkyoucanaddanew
categoryto a|asterCategory.

WhenyouclIckonItapopupappears. EnteranameforthenewcategoryandclIck0DNE.


nYNA8JyoucaneasIlymovecategorIesand|asterCategorIestoadIfferentposItIonInthebudget
screen.
fyouhoveroveracategoryor a|asterCategory,adraghandlewIllappear:
ClIckandholdthehandletodraganddroptheMcster CcteyorytoanewposItIonInthebudget. YNA8
wIll dIsplayahorIzontallInetoIndIcatewherethecategorywIllbedropped. Whenyouhavethecategory
whereyouwantIt,letgoandYNA8wIllplaceItInthenewposItIon.
TohIdeacategory,hoveroverthecategorytItleandclIckItwhenItbecomesalInk. ApopupwIllappear:
4.1.7 CreatIngaNewCategory
YoucanalsoaddanewCategoryor|asterCategoryfromtheFegIster. SImplyselect"AddNew
Category"atthetopofthechoIcesInthecategorydropdownmenu. YNA8wIllthenaskyouwhIch
|asterCategoryyouwouldlIketoassocIateItwIth,oryoumaycreateanewone. Dnceyouchoosethe
|asterCategory,youwIllbeabletotypeInthenameofthenewcategory.
4.1.8 0ragand0roptoDrderCategorIes
4.1.9 HIdIngCategorIes



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TohIdethecategory,clIckH0ETHSCATECDFY.
AllhIddencategorIesareplacedatthebottomofthelIstofcategorIes.

TovIewahIddencategory,hoveroverH00ENCATECDFES.AlInkwIllappearentItledUNH0E.
ClIckonthelInkandalIstofhIddencategorIeswIllappear. SelectthecategoryyouwanttovIewagaIn.
FormoreInformatIononhowtodothIssee:
WhatIsFuleDne:
Rule Dne

Quck 8udyetfIllsallemptybudgetedcellswIthlastmonth'svalues.
ToactIvateQuIck8udgetclIckontheQuIck8udgetbuttonatthetopofthebudgetedcolumn.


DnceyouclIckontheQuIck8udgetbutton,apopupwIllappear:
4.1.10 8udgetIngtheAvaIlableNumber
4.1.11 QuIck8udget
fyouknowsomecategorIeswIllhavedIfferentamountsthantheprIormonth,goaheadandbudget
thosefIrst. QuIck8udgetwIllnotoverwrItethemsInceItonlyfIllsIntheemptycells.


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ClIckonachoIcetoselectIt.
YNA8'sSuggestIve8udgetIngprovIdesavarIetyofspecIfIcsuggestIonsforanyIndIvIdualcategory. Touse
thIsfeature,clIckInanybudgetedfIeld. Adropdownarrowappears. fyouclIckonIt,apopupappears
andpresentsyouwIthfouroptIons:
1. Amount8udgetedLast|onth
2. DutflowsLast|onth
J. TotalScheduledDutflowsthIs|onth
4. 8uIltInCalculator
fyouselect"Amount8udgetedLast|onth"theamountthatyoubudgetedInthIscategorylastmonthwIll
becopIedIntothenewmonth.
fyouselect"DutflowsLast|onth"YNA8wIllenterthetotalamountofoutflowsforthIscategorylast
monthInthe8udgetedcolumnforthenewmonth.
fyouchoose"TotalScheduledDutflowsThIs|onth"YNA8wIllentertheamountofthescheduled
transactIonforthIspartIcularcategorythIsmonth.
ClIckheretolearnmoreaboutthe8uIltnCalculator
Dnthe8udgetScreen,thereIsa8uIltIncalculatortomakethIngseasyforyou.ToactIvatethecalculator,
clIckInthebudgetedcellwhereyouwouldlIketousethecalculator. AdropdownarrowwIllappear.
ClIckonItandselect"ShowCalculator"fromthechoIces.
TheamountalreadyInthebudgetedcellwIllappearInthecalculator. DnceyouhavefInIshedyour
calculatIons,clIckDK. ThenewnumbernowappearsInthebudgetedcell.
SInceQuIck8udgetwIllsetyourbudgetfIguresforanentIremonth,Itshouldonlybeusedonceyouhave
aYNA88uffer. fallyourIncomeforthemonthhasnotarrIved,andyouuseQuIck8udget,thIswIll
lIkelyresult InDver8udgetIng.
4.1.12 SuggestIve8udgetIng
4.1.1J 8uIltInCalculator


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YoucaneasIlyaddanotetoaCategory,|asterCategory,orbudgetedamount. Hoveroverthe|aster
Category,Categoryorbudgetedamount towhIchyouwouldlIketoaddthenote,andclIckonthenote
Icon.

nactIveNote 8udgetedColumn
nactIveNote Category

ApopupappearswIth atextboxwhereyoucantypeyournote. WhenyouarefInIshedclIck0DNE. The
noteIconIsnowoutlInedInblueIndIcatInganactIvenote.
ActIveNote 8udgetedColumn
ActIveNote Category
Toreadthenote,hoveroverIt. ToedItordeletethenote,hoveroverItandclIcktheapproprIatebutton.

4.1.14 AddIngNotes
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CashcanoftenbetrIcky,sInceItleavesnotraIl.AllelectronIctransactIonscanbetrackedthroughyour
bankoronlIneInstItutIon. WIthcash,however,IfyouforgettoaskforareceIpt,ItcaneasIlygetlostIn
yourbudget. Here'saneasywaytodealwIththat.

Step 1 - Set up a category for cash.
ThIscanbecalledCash,SpendIng|oney,Fun|oney,whatevermakesthemostsenseforyoursItuatIon.
ClIckoneachcategorytoaddnewcategorIes,edIt,orremoveexIstIngcategorIes. Youcanusethedefault
categorIesfornowIfyoulIke,andcomebackandmakechangesanytIme.
ToaddaMcster Ccteyory,clIckontheAddCategorybuttonatthetopoftheCategorycolumn.

Step 2 - PecordIng an outfIow of cash.
UsIng thIsmethod,cashIsrecordedasspent,wheneverItIstakenoutofthebank.
SelecttheaccountfromwhIchyouwIthdrewthecash.

Step 3 - Enter the transactIon.
ClIckInthe0atefIeldtoenterthedate,orclIckonthedropdownarrowtoactIvatethepopupcalendar.
DncethecalendarappearsclIckonthedateofthetransactIontoselectIt.

Step 4 - Enter the Payee.
nthePayeefIeld,Enterthenameoftheperson/place/companywhoreceIvedthepayment.

Step 5 CategorIze the transactIon.
Selectthecategorythatyousetupforcash. (Fun|oney,Cash,SpendIng|oney,etc.)

Step 6 - Enter the amount of the outfIow.
ntheDutflowfIeld,entertheamountyouwIthdrewfromthebankIncash.

Step 7 - See how the transactIon affected the budget.
YNA8hasrecordedtheoutflowforyouInthe8udgetScreenInthecashcategory.
NowyourbudgetIsawarethatmoneyhasleftyourlIfe,andyouarefreetospendthecashasyoulIke
wIthouthavIngtoentereverytransactIonmadewIthItIntoYNA8. ThedownsIdetothIsmethodIsthatyou
wIllnotknowwhereexactlythemoneywent. 8utthIsdoesworkwellforspendIngmoneyandfunmoney.
4.1.15 CreatIngaCashCategory

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YNA8JhandlestheAvaIlablenumberdIfferentlythanbefore. fyoudonotbudgettozero,theamount
remaInIng,posItIveornegatIve,wIllrollIntonextmonth'sbuffer.
Forexample,IfyouhaveS200leftInAvaIlableanddonotbudgetthatamounttoanycategorIesInthe
currentmonth,ItwIllbeaddedtonextmonth'sstartIngYNA88uffer. YoucanseethIsInthefooteratthe
bottomofthemonth:
Above,theposItIveAvaIlablebalanceIsaddedtotheIncomeavaIlablefornextmonth,IncreasIngyour
YNA88ufferforthenextmonth. ThIsassuresthatthemoneyIsnotlostIfyoudonotbudgetallofIt.
8elow,thenegatIveAvaIlablebalanceIsnowlabeledwIthawarnIngsInce youare nowDver8udyet.


4.1.16 AvaIlableFundsFollForward
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Therefore,thIsamountIssubtractedfromtheStartIng8ufferfornextmonth. ThIswIllforceyou toaddress
thefactthat youbudgetedmoneythatyoudIdnotearn.

|yAvaIlablenumberchangedafterupgradIng.Whatdodo:
nYNA8JyouwIllnotneedabuffercategory. TheYNA88ufferIsnowclearlyvIsIbleInthe8udgetScreen
header. EachmonthyouwIllhaveacertaInamountofmoneyAvclcble to 8udyet. YouwIllassIgnthese
dollarstojobsbybudgetIngtothecategorIesbelow.
WhenyoufIrststartout,trynottobudgetallofthIs. TheseextraAvaIlabledollarswIllrollforwardIfyou
don'tbudgetthemtohelpyoubuIldupaYNA88uffer.
DnceyourStartIngYNA88ufferequalsonemonth'sIncome,youshouldbudgetIttozero(FuleDne). Then
allfutureIncomewIllbeassIgnedtonextmonth(lncome Avclcble Next Month),replenIshIngyourYNA8
8ufferasyougoalong.

SampIe ScenarIo:EachmonthyouhavebeenassIgnedS100toa8uffercategory. ThereIsnowS1000Inthe
8uffercategoryandS100hasbeenassIgnedthIsmonth.

Step Dne - Zero out the current month.
FIrstyouwIllneedtozerooutthecurrentmonth. ThIswIllleaveacategorybalanceInthe8uffercategory
ofS900.

Step Two - Enter a negatIve number In the amount of the current category baIance.
NowenterS900Inthe8uffercategory. ThIswIlldrawallfundsoutofthe8uffercategoryandmakethem
Avclcble to 8udyet.
4.1.17 0ostIllneedmy8uffercategoryInYNA8J:
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NowthemoneythatwasInthe8ufferCategoryIsInthe8udgetScreenheaderandIsAvclcble to 8udyet.
AsmentIonedabove,theseextraAvaIlabledollarswIllrollforwardIfyoudon'tbudgetthemInorderto
helpyoubuIldaYNA88uffer.

Step Three - 0eIete your uffer Category.
Hoveroverthe8uffercategoryandclIckonthetItlewhenItbecomesablueunderlInedlInk. ApopupwIll
appear. Select0ELETETHSCATECDFYfromthechoIces.


nYNA8J,anyAvaIlablefundsthatyouhavenotbudgetedrollforwardtobecomeapartofnextmonth's
startIngbuffer. nprevIousversIonsofYNA8IfyoudIdnotbudgetallofyourAvaIlablemoneyInone
month,theleftovermoneywouldnotbeavaIlableInfuturemonths. LIkewIse,Ifyoubudgetedmorethan
youhadavaIlable,futuremonthswereunawareofIt,whIchmeantyoucouldbudgetmoneythatdIdn't
actuallyexIst.
ftheAvaIlablenumberInpastmonthswasaposItIvenumber,thatmoneywasneverassIgnedtoacategory
andthereforewasnotavaIlableforyoutouseInfuturemonths. YNA8JhasupdatedyourfIleandrolled
anyleftoverAvaIlablefundsforward,soIfyourAvaIlablenumberIsnowbIggerthat'sgoodnews! tmeans
youhavemoremoneyavaIlabletobudget!
ftheAvaIlablenumberInpastmonthswasanegatIvenumber,thatmeansyoufalselycreatedmoneythat
dIdnotexIstwIthoutrealIzIngIt. 8yrollIngtheAvaIlablenumberforward,YNA8Jhasnowcorrectedthe
overbudgetedamount.. WhIlethIsdoesmeanyouhavelesstobudgetwIth,Italsomeansthatyour
numbersarecorrect.
The bottom IIne Is: You do not need to do anythIng to correct past months.8yrollIngtheavaIlable
amountforward, allofyourAvaIlableamountsarecurrent.


4.1.18 |yAvaIlablenumberchangedafterupgradIng.Whatdo
do:


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YNA8provIdescustomIzablereportIngfortwomaInareas:SpendIngandNetWorth.
EachreportcomeswIthadatatableprovIdIngrealnumbersfromyourYNA88udget. Tohelpyou,YNA8
alsopresentstheInformatIonthroughgraphsandpIechartsthatmaketheInformatIoneasytounderstand.
AddItIonally,youcanexportyourdataeasIlyInCS7format,allowIngyoutoopenItInaspreadsheet
programlIkeExcel.
YNA8JmakesIteasyforyoutogetInformatIonregardIngNetncomeandNetWorthandcomparethIs
InformatIonagaInstspendIng.

UnderstandIng Key Terms In thIs Peport
Income -theamountofIncomeyouearneddurIngthetImeperIod specIfIed.
Expenses -theamountofmoneyyouhavespentdurIngthetImeperIodspecIfIed.
Net Income -theamountofIncomeremaInIngafterexpenses.
Net Worth - yourassetslessyourlIabIlItIes.
TotaI Assets -anyaccountsorotherItemsyouhaveIncludedInYNA8thathavemonetaryvalue(car,
house,checkIngaccount,etc.)
TotaI LIabIIItIes -anyaccountsyouhaveIncludedInYNA8whereyouowemoney(mortgage,carloan,
credItcardaccount,etc.)

Step 1 - ClIckontheFeportsTab to go to reports.

Step 2 - SeIect "Net IncomelNet Worth" from the upper Ieft-hand corner.

Step 4 - SeIect a tIme frame to vIew.
0ragtheblueslIderatthebottomofthescreentoselecthowmanymonthsyou'dlIketovIew.


Step 5 - Use the data tabIe to decIdewhat InformatIonto vIew.
5 Feports
5.1 HowtoUseFeports
5.2 Netncome/NetWorth


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Key PoInts:
Thedatatableandthegraphshowthesamedata. t'sjustpresentedIntwoways.
WhateverdatayouselectInthe0FAWcolumnwIllbevIsIbleInthegraph. Thegraphsanddatatables
arecolorcodedtomatchsothatIftransportatIonIsgreenInthedatatable,ItwIllbeInthegraphas
well.
ThedefaultvIewwIllshowncome,ExpensesandNetWorthInthegraph.
nyourfIrstmonth,youwIllnothavemuchdata,soyouwIllprobablynotseemuchofachangeInthe
graph. ThIswIllchangeovertImeasyoucollectdata.
Eachcolumnrepresentsamonth'sworthofdata.

How to change what you see In the graph:
ClIckonaheaderInthedatatabletosortthedatabeneaththe header. ClIckagaIntoreversethe
sort.
YoucanselectordeselectanydatafIeldbycheckIngoruncheckIngItInthe0FAWcolumn.
fyouhoveroverapoIntInthegraph,apopupwIllappear showIngtheamountsforthatdatafIeldat
thatpoIntIntIme.
YoucanchangethetImevIewatanytImebyclIckIngontheblueslIder.

Average CoIumn
TheaveragecolumnshowsyoutheaverageforaspecIfIcdatatypeforthetImeframeyouhaveselected
usIngtheblueslIder.
Change CoIumn
ThechangecolumnallowsyoutoseequIckly IncreasesordecreasesInthedIfferentdatatypesdurIngthe
tImeframeyouhaveselectedusIngtheblueslIder. fthereIsaposItIvenumber,thatrepresentsan
Increase. AnegatIvenumberrepresentsadecrease.
YNA8JalsoallowsyoutolookatspendIngtrendsovertIme. ThIscanhelpyoucontrolspendIngIncertaIn
areasandplanforfuturespendIng.

Step 1 - ClIckontheFeportsTab to go to reports.

Step 2 - SeIect "SpendIng" from the upper Ieft-hand corner.
FeportsSpendIngTab

Step 3 - SeIect "Trends" In the Iower rIght hand corner.
FeportTypeTrends
5.J SpendIngTrends
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Step 4 - SeIect a tIme frame to vIew.
0rag theblueslIderatthebottomofthescreentoselecthowmanymonthsyou'dlIketovIew.
Trends8lueSlIder

Step 5 - Use the data tabIe to decIde what InformatIonto vIew.

Key PoInts:
ThedatatableandthegraphshowthesamedatapresentedIntwoways.
WhateverdatayouselectforInthe0FAWcolumnwIllbevIewableInthegraph. Thegraphsanddata
tablesarecolorcodedtomatchsothatIftransportatIonIsgreenInthedatatable,ItwIllbeInthe
graphaswell.
ThedefaultvIewwIllshowall|asterCategorIes.
nyourfIrstmonth,youwIllnothavemuchdata,soyouwIllprobablynotseemuchofachangeInthe
graph. ThIswIllchangeovertImeasyoucollectdata.
ThepercentagesInthetablerepresentthepercentageofyourIncomethatwasspentonapartIcular
category. YoucanseepercentagesforeachmonthandatotaltotherIghtInthedatatable.
Eachcolumnrepresentsamonth'sworthofdata.
ClIckonaheaderInthedatatabletosortthatheader. ClIckagaIntoreversethesort.
How to change what you see In the graph:
YoucanselectordeselectanyCategoryor|asterCategorybycheckIngoruncheckIngItInthe0FAW
column.
fyouhoveroverapoIntInthegraph,apopupwIllappear showIngtheexpensesInthatcategoryat
thatpoIntIntIme.
YoucanchangethetImevIewatanytImebyclIckIngontheblueslIder.

uIck Craph
TheQuIckCraphwIllallowyoutoseethreemaInthIngsattheclIckofabutton:
1. 0ataforthetop5|asterCategorIes
2. 0ataforthetop5categorIes
J. 0ataforall|asterCategorIes
t'slocatedatthetopofthegraphontherIghthandsIdeofthescreen:

QuIckCraph
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YNA8JallowstoyougetaspendIngreportforallyour|asterCategorIesandCategorIes.
Step 1 - ClIckontheFeportsTab to go to reports.

Step 2 - seIect "SpendIng" from the upper Ieft hand corner.
FeportsSpendIngTab

Step 3 - SeIect "TotaIs" In the Iower rIght hand corner.
FeportTypeTotals

Step 4 - You wIII then see a pIe chart wIth aII of your haster CategorIes.
ThIspIechartwIllshowa totaIofall|asterCategorIes.
|asterCategoryPIeChart
5.4 SpendIngTotals
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fyouhoverovera|asterCategoryyouwIllseethetotalsforthatcategory,andasmallwhItebuttonwIll
appear. ClIckonthebuttontoseeadetaIledspendIngreportforthecategorIesassocIatedwIththat
|asterCategory.
|asterCategoryHover
YoucanalsohoveroverthecategorIestoseespecIfIctotals.

Step 5 - Peturn to haster Category vIew.
TovIewthe|asterCategorIesagaIn,clIckonthesmallpIechartonthelefthandsIdeofthereport.

Feturnto|asterCategory7Iew
Key PoInts:
ThepercentagesInthetablerepresentthepercentageofyour spendIngthatwasspentonapartIcular
category. YoucanseepercentagesforeachmonthandatotaltotherIghtInthedatatable.
Eachcolumnrepresentsamonth'sworthofdata.
ClIckonamonthheaderInthedatatabletosortthedataforthatmonth. ClIckagaIntoreversethe
sort.
YoucanchangethetImevIewatanytImebyclIckIngontheblueslIder.




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YNA8JIsabudgetsoftwarecombInedwIthapowerfulmethodologythatImplementsthefollowIngfour
rules:
FuleDne:CIveEvery0ollaraJob
EachmonthyouwIllassIgnyouravaIlabledollarstospendIng/savIngscategorIes.ThIsprocesstakes20
mInutesandrevolutIonIzesthewayyouthInkaboutyourmoney.
Why:0ollarsneedtobetoldwhattodo.YourawarenesswIllIncreasetremendouslyandyou'llfInd
contentmentasyourspendIngalIgnsItselfwIthyourcorevalues.CommunIcatIonbetweenspousesIs
restored.

FuleTwo:SaveforaFaIny0ay
You'llantIcIpatelarger,lessfrequentexpensesandbereadyforthem.nsurancepremIumdueInsIx
monthsforS600:SaveS100eachmonthandwatchtheCarnsurancebalancegrow.
Why:ElImInatethecrazyupsanddownsInyourlIfe.CaInatruepIctureofyourdIscretIonaryIncome.Enjoy
openIngthemaIlagaIn(themoneywIllbetherewaItIngtopaythatbIll).

FuleThree:FollwIththePunches
ThekeyIstokeepmovIngevenwhenyoufaIl(youwIll).YNA8wIllmakesmalladjustmentswhenyou
overspend,ensurIngthatyoufIxthosemIstakesbeforeyougotothenextmonth.
Why:tkeepsyouonyourbudgetIngfeet,sowhenyoufaIl,youdon'tquIt.YoustarteachmonthwItha
cleanslate-ahugepsychologIcalboost.
FuleFour:StopLIvIngPaychecktoPaycheck
YourgoalIs toworktowardlIvIngonlastmonth'sIncome.8oththesoftwareandmethodologywIllhelpyou
dojustthat.
Why:You'llfIndbreathIngroom.You'llstopwastIngtImebytImIngpaycheckswIthbIlls,andIfyou'reona
varIableIncome,yourbudgetIng"problem"wIllbeelImInated.

"Cve Every 0ollar A Job"
FuleDneIszerobasedbudgetIngmadeeasy.ZerobasedbudgetIngmeansyoumustfIrstbudget,or
plan for, everydollarofmoneyyouhaveavaIlable,makIngadjustmentsasneeded.
ThIsdoesn'tmeanyouareactuallyspendIngeverypennyofIncomeInthemonthyoureceIveIt,butrather
settIngupaplanforIt. fyouhavemoneyleftAvclcble to 8udyetattheendofthemonththathasnot
beenassIgnedtoacategory,YNA8assIgnsItthejobofrollIngIntonextmonth.
TakealookatthIsIndepth:
EverydollarIsassIgnedajob.WIthfastandeasycredItmakIngspendIngeasIerthaneverbefore,ItIsvery
Importantthat you IntentIonallyassIgnajobtoeachandeverydollarthatcomesIntoyourhandseachand
everymonth.
UsIngananalogy,compareyourhouseholdfInancestoabusIness.
nanybusIness,thesebasIcstepsaretaken.ThebossdecIdeswhatjobsneedtobedoneand hIres
employeestodothosejobs. HehandsthoseemployeesovertothemanagerwhoassIgns theIrjobs.
6 FrequentlyAskedQuestIons
6.1 TheFourFulesofYNA8
6.1.1 WhatIsFuleDne:


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ConsIdera CroceryStoreasanexample. Herearesomeofthejobsthatneedtobedone 8aker,0elI
Worker,8agger,Stocker,CashIer. ThebosshIresemployees todothejobs.
ThemanagerassIgnsthoseemployeestothose jobsandmakessurethIngsgetdone.
WhatIf:
1. NooneknewwhattheIrjobwas:
2. NoonedIdtheIrjob:
J. Employeescameandwentastheypleased.
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ThIsbusInesswouldcertaInlygounder.AhouseholdwherethedollarsarenotgIvenjobsandwherethereIs
nomanagerwIlleventuallygounderaswell.
WIthyourhouseholdfInances,youmustbetheboss.
You,theboss,hIreemployeedollars(yourIncome),andsetupjobdescrIptIons(yourspendIngcategorIes)
foreachemployee.Thenasyoubudget,youassIgnthosedollarstojobs.
Takea lookatthIsIndepth.
Now,ImagIneyourspendIngcategorIesasIftheywereenvelopes. Eachenveloperepresentsajobthatyour
moneyneedstodo.
JustlIketheCroceryStore|anager,yourbudgetkeepstheemployeesonthejob,gettIngthIngsdone.
"Save jor a Rany 0ay"
FuleTwohelpsyouprepareforthosebIllsthatdon'tcomeeverymonthandforthoseunplannedexpenses
thatareasInevItableas.well,raIn.8ybudgetIngtocategorIesfortheseexpenseseachmonth,youwIll
buIldupasurplus.fyoudonotspendthemoneyyouhavebudgeteddurIngamonth,FuleTworollsthe
categorybalanceforwardtothenextmonth,buIldIngItovertImeuntIlyouneedIt.
ConsIder thetwotypesofraInydaysthatyouwIlltypIcallyhave:
1. PredIctabIe PaIn YouknowItwIllraIn, becauseItwasInthe forecast. Carnsurance,Property
Taxes,andCarFegIstratIonareallpredIctableraIn,because youknowwhenthosebIllsaredue.
2. UnpredIctabIe PaIn ThIsIsmoredIffIculttodealwIth. Thesearethestorms,orflashfloods,ofyour
fInancIallIfe. Youknowthey'recomIng, youjustdon'tknowwhen. CarrepaIrs,medIcalbIlls,and
homerepaIrsareallexamplesofunpredIctableraInydays.
ExamInehowthIsworks. Asyouknow,Fule Dnetells youtogIveeverydollarajob,asseenhere. You
budgetacertaInamountofmoneytoeachspendIngcategory. ConsIderthecategory,CarFepaIrs,foranIn
depthlookathowFuleTwoworks.
6.1.2 WhatIsFuleTwo:
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Eachmonth, youbudgetS50forCarFepaIrs.

AsyoucontInuetodothIsmonthbymonth,thebalanceInyourCarFepaIrcategorywIllgrow..
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Whenthecardoesbreakdown, YouwIllbe readyandInamuchbetterposItIontodealwIthIt. YouwIll
havenoworrIes,because youwIll knowthemoneyIsInthebank. ThIsmeansyouwon'tbereachIngfora
credItcardtosolvetheproblemandthat'sveryempowerIng.
Peopleoftenask,nYNA8J,whathappenstothemoneywhenthemonthrollsover: NothIng. tstays
rIghtwhereyoutoldItto,untIlyouneedIt.FuleTwoelImInatesallthecrazyupsanddownsofyour
fInancIallIfe,allowIngyoutosaveforthoseraInydaysandreachyourfInancIalgoals.
"Roll wth the Punches"
YNA8wIllkeeptrackofanyoverspendIngthathappenswIthInacategory.WhenyouoverspendIna
categoryonemonth,thatcategorywIllbezeroedoutthefollowIngmonthandtheoverspendIngwIllbe
deductedfromnextmonth'sstartIngbuffer.
ConsIderyourgrocerIescategoryasanexample.fyoubudgetedSJ00forgrocerIes,butactuallyspent
SJ50,youhaveoverspentbyS50.

6.1.J WhatIsFuleThree:
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fyounevercorrectIt, youwIllalwaysbeoffbythatamount,andItwIllcatchupwIthyou.Sohere'show
YNA8takescareofthIsproblemforyou. FuleThreestates.
Any oversendny s subtracted jrom next month's Startny ujjer.
Here'showItworks:

YourStartIng8ufferforJanuaryIsSJ000.However,In0ecember,youhadsomeoverspendIngwhIch
equaledS50. ThatS50IssubtractedfromtheSJ000, leavIngusatruestartIngbufferofS2950.
YourgrocerIescategoryIszeroedout.
fyouwouldpreferthenegatIveamounttocarrytothesamecategorythefollowIngmonth,youcan
turnoffFule Threeforthatcategory.
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YoucantakethehItwhereeveryouwant.
That'suptoyou thebudgeter. PerhapsyoubudgetlessInEntertaInmentorClothIng. t'syourbudget,
you'reIncontrol.
TheImportantthIngIstounderstandwhyItworks. YouhaveothercategorIeswIthPDST7Ebalances. You
havea8UFFEFononemonth'sIncomeInthebank. YouhaveNEXT|DNTH'S|DNEYcomIngInthIsmonth.
notherwords,CashFlowIsnolongeranIssue.Youcanborrowfromyourself. Youjusthavetopay
yourselfbackbeforenextmonthbegIns.
FuleThreekeepsyouonyourbudgetIngfeetsowhenyoufaIlyoudon'tquIt. YoustarteachmonthwItha
cleanslate ahugepsychologIcalboost.

See:HowdoesYNA8dealwIthDverSpendIng:formoreInformatIon.
"Sto Lvny Paycheck to Paycheck"
Amoneymanagementmethodologythatremovesyoufromthepaychecktopaycheckcycleandallowsyou
tolIveonlastmonth'sIncome. ncomeearnedInthecurrentmonthIsnotbudgetedorspentuntIlthe
followIngmonth.
WhIlemostpeoplewouldlovetogetoutofthepaychecktopaycheckcycle,thebIgquestIonIs,How:How
exactlywIllyoudothIs:Here'stheconceptInanutshell:LIveonlastmonth'sIncome.
ThereareseveralreasonswhythIsIsagoodIdea:
1. You Can FInaIIy reathe AgaIn.TheadvantageofoperatIngwIthFule FourInplaceIsthatItcreates
breathIngroom.tbuffersyoufromtheabnormalItIesandunexpectedexpensesoflIfe.EveryonceIna
whIle,you'llgetnaIledwIthanemergency(e.g.yourcarIstotaled).LIvIngonlastmonth'sIncome
allowsyouuptoamonthtofIgureouthowyou'regoIngtohandlethIngs.
2. Forget about "TImIng" Your Paychecks.Asyou'respendIngmoneyInthecurrentmonth,you'realso
makIngmoneyforthenextmonth.ThIsallowsyoutobudgetInmonthlyIntervals,Insteadofweekly,or
everypaycheck.
J. Your VarIabIe Income ProbIem Is SoIved.Whenyou'relIvIngonlastmonth'sIncomeyou'llknowhow
6.1.4 WhatIsFuleFour:
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muchtobudgetforFebruarybecauseJanuaryandItsearnIngshavecomeandmadethemselvesknown.
fInJanuaryyoumadeSJ,2J1.57.That'showmuchyouhavetobudgetwIthInFebruary.PlaInand
sImple.
TakealookatthIsIndepth:
At thebegInnIngofthemonth,everythIngyouneedforthemonthIsalreadysIttIngInthebank
(CFEEN). ThatmoneyIsdepletedasyouwork yourwaythroughthemonth(WHTE).YourmoneyIsusedas
yourmonthlyexpensesoccur. However,whenyouarelIvIngunderFuleFour,thatbufferIsautomatIcally
replenIshedeachmonthwhenyougetpaId(8LUE).ThemoneythatcomesInthIsmonth,wIllgotowork
nextmonth.
ut what If you don't have a buffer!Howcanyougetone:YouwIllestablIshabufferbysettIngupand
followIngagoodbudget,theYNA8way.
StarttheprocesswIthwhatyoualreadyknowandbuIldonthat. |oneycomes,andthenmoneygoesout.
YoubrIngInmoneyIntheformofIncome. ThenyouspendItonthethIngsyouneed.

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HoweverthecrItIcalstepIswhathappensbetweenthetImemoneycomesInandgoesout. Whathappens
afterthemoneycomesInandbeforeItgoesout. ThIsIswhenyouneedtobudget!
When youbudget, youarefInetunIngyourspendIngasyoudecIdewhattodowIthyourmoney8EFDFEyou
spendIt. HowwIllyoudothIs:
YouwIll organIzeyourspendIngIntospendIngcategorIes,creatIngjobdescrIptIonsforyourmoney.
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TohelpkeeptrackofwhereyouareInthebudgetIngprocess,youwIllkeeptrackofnotonlyyourIncome
andhowmuchyou'vebudgeted,butalsohowmuchmoneyyouhaveleft,afteryouhavebudgetedyour
expenses. KeepIngtrackofyourspendIngInthIsway,wIllkeepyouhonestabouttherealItyofyour
fInancIalsItuatIon.
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NowasmentIonedbefore, youwanttogetoutofthepaychecktopaycheckcycle. nordertodothIs, you
shouldsaveabufferofmonth'sIncome. ThIswIllallow youtolIveoffthebuffer, anddeferthIsmonth's
paycheckstonextmonth'sbuffer.
nordertobuIldupyourYNA8buffer,youwIllwanttomakesurethatyoudonotassIgnallofyourmoney
tocategorIes.8yleavIngsomemoneyunassIgnedeachmonth,yourbufferwIllcontInuetogrow.
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DncethemonthIsover,theamountInyourbufferwIllrollIntonextmonthsoyoucancontInuetobuIldon
It.
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Eventually,therewIllbeenoughInyourbuffertogetthroughanentIremonthwIthouttouchIngyour
currentmonth'spaychecks.AtthatpoInt, you'llneedanotherwaytoenterIncomesoItIsn'tusedforthIs
month'sspendIng,butgetstargetedfor nextmonth.
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ThefInalthIngtoconsIderIswhat todoaboutanyoverspendIng. f youplantospendS200on
EntertaInment,butactuallyspendS250, youwIllneedtocorrecttheoverspendIng. YNA8corrects
overspendIngbysubtractIngItfromNext|onth's8uffer.(ThIsIsFule ThreeInactIon!)
Fule FoursaysLIveonLast|onth'sncome,soyouwIllwanttosaveanentIremonth'sIncomeasyour
YNA8buffer. However,toget abufferInplace,allyoureallyneedtodoIssaveupDne honth's
Expenses.Forexample,IfyourIncomeIsS4,000amonth,butyouknowyoucangetthrough amonth
wIthSJ,000,thenonceyousavetheSJ,000,allyouneedtodoIsgetthrough onemonthwIthout
touchIngyourpaychecks. Afterthat,yourbufferwIllbereplenIshedasyoubrIngInmoreIncomeand
youwIllhavearrIvedatFuleFour!
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Now youseethenaturalebbandflowof spendIngInrelatIontoyourcashflow. 8udgetIngIsthekeystep
thatgIves youcontroloverwhereyourmoneygoes.
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ThIsIsRule Four,andthebudgetscreenInYNA8JhasbeenspecIfIcallydesIgned toImplementthIs
rule andmakeyourbudgetIngeveneasIer.

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YourYNA88ufferIstheequIvalentofonemonth'sIncomewhIch,oncesaved,wIllallowyoutouse
paychecksreceIveddurIngthecurrentmonth forthefollowIngmonth,removIngyoufromthe"Paycheckto
Paycheck"cycle.
TolearnmoreaboutYourYNA88ufferandhowtosavetowardsIt,see:
WhatIsFuleFour:
HowdobudgetwIthoutonemonth'sIncomesaved:
ThIssectIon hasaddItIonalInformatIonregardIngaccounts.
6.1.5 WhatIsmyYNA88uffer:
6.2 FAQs Accounts
6.2.1 SplItTransactIons



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AsplIttransactIonIsasIngletransactIonthataffectsmultIplecategorIes. YoumaywanttouseasplIt
transactIonIf:
1. You'vebeentoabIgboxstoreandhadanumberofItemsthatwerepurchasedatoncethataffect
severalcategorIes.
2. YouaregettIngcashbackatastoreandwanttoseparatethecashbackfromtheactualpurchase.
J. YouwouldlIketosplItIncomesothatpartoftheIncomeaffectsthIsmonth,andpartofItIsallocated
tonextmonth.
HerearethestepsforenterIngasplIttransactIon.

Step 1 - SeIect the account from whIch you made the purchase.
Selecttheaccounttaboftheaccountusedtomakethepurchase.

Step 2 - CIIck "Add a new transactIon"

Step 3 - Enter the 0ate
ClIckInthe0atefIeldtoenterthedate,orclIckonthedropdownarrowtoactIvatethepopupcalendar.
DncethecalendarappearsclIckthedateofthetransactIontoselectIt.

Step 4 - Enter the Payee
nthePayeefIeld,enterthenameoftheperson/place/companywhoreceIvedthepayment.(orIfyou've
usedthIsPayeebefore,selectItfromthedropdownmenu.)

Step 5 - CategorIze the transactIon
SelectthecategorySplt TrcnscctonfromthedropdownchoIces.
AssoonasyouchooseSplt Trcnsccton,you'llnotIcethatthetransactIonexpandstoallowyoutoenter
splItamounts.



Step 6 - Enter the amount of the outfIow
ntheDutflowfIeld,enterthetotalamountofthetransactIon.

Step 7 - Enter the amounts of the spIIts
nthecategorydropdownmenubelowthemaIntransactIonsImplychooseacategoryfromthemenuas
usual.
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Step 8 - ContInue enterIng sub transactIons.
ContInueenterIngsubtransactIonsuntIlyouarefInIshed,thenclIck0DNE.
fyouclIckonthearrowInthe8udgetCategoryFIeld,youcanvIewthecompletedtransactIoneIther
expanded:
orcollapsed:

Step - See how the transactIon affected the budget.
YNA8hasrecordedtheoutflowsforyouInthe8udgetScreenIntheapproprIatecategorIes. Alwayskeepan
eyeonhowmuchyoubudgetInacategory,howmuchyouspendInacategory,andontheccteyory
bclcnce.


NotIcethatYNA8keepstrackofhowmuchIsremaInIngtobeassIgned,baseduponyourtotal
transactIonamountandhowmuchyou'vealreadyassIgnedtosplIts.
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nYNA8J,It'seasytodealwIthreImbursements. HerearethestepsfordealIngwIthreImbursements.

Step 1 - Enter an outfIow for the expense categorIzIng It as you see fIt.
Example: 0octor7IsIt
ClIckheretolearnhowtoenteranoutflow

Step 2 - hove to the udget Screen.
ClIckonthe8udgetTabtomovetothe8udgetScreen.

Step 3 - 0IsabIe Rule Three so the negatIve category baIance Is not deducted from your StartIng uffer
the foIIowIng month.
8ecausethereImbursementwIllnotalwayshappenInthesamemonthastheoutflowyouwIllwantto
dIsableFuleThreesothatthenegatIvecategorybalanceIsnotdeductedfromyourStartIng8ufferthe
followIngmonth.
nthecategoryaffectedbytheexpense,clIckonthedownarrowInthecategorybalancecolumn.
ApopupwIndowwIllappear. ClIckon:"SubtractItfromnextmonth'scategorybalance."
NotIcethatthearrowIsnowpoIntIngtotherIght. ThebalancewIllnowbesubtractedfromnextmonth's
categorybalanceInsteadofbeIngsubtractedfromyourStartIng8ufferfornextmonth.

Step 4 - Dnce you have been reImbursed, record an InfIow to the category you deducted the money
from.
SelecttheAccount towhIch youwIlladdthemoney

Step 5 - Enter the 0ate.
ClIckInthe0atefIeldtoenterthedate,orclIckonthedropdownarrowtoactIvatethepopupcalendar.
DncethecalendarappearsclIckonthedateofthetransactIontoselectIt.

Step 6 - Enter the Payee.
nthePayeefIeld,enterthenameoftheperson/place/companywhopaIdyouthemoney.(DrIfyou've
6.2.2 HowdohandlereImbursements:
0IsablIngFule ThreeonlyaffectsthespecIfIccategoryassocIatedwIththeoverspendIng.

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usedthIsPayeebefore,selectItfromthedropdownmenu.)

Step 7 - CategorIze the transactIon.
Selectthecategory affectedbythereImbursement.
Example: 0octor7IsIt

Step 8 - Enter the amount of the InfIow.
nthenflowFIeld,entertheamountyoureceIved.

Step - See how the InfIow affected your budget.
NotIcethattheInflowhasoffsettheorIgInalexpenseInthecategory.
Step 1 - Enter your paycheck after the FSA deductIon.
Example YourpaycheckIstypIcallyS2000.YouhavedesIgnatedS100togotowardyourFSAformedIcal
expenses,soyourpaycheckIsS1900. YouwouldenteranInflowofS1900,andbudgetthIsmoneyasyou
wouldanyotherInflow.
ClIckheretolearnhowtoenterInflowtransactIons.

Step2 - Enter an outfIow for the expense categorIzIng It as you see fIt.
Example: 0octor7IsIt
ClIckheretolearnhowtoenteranoutflow

Step3 - hove to the udget Screen.
ClIckonthe8udgetTabtomovetothe8udgetScreen.

Step 4 - 0IsabIe Rule Three so the negatIve category baIances does not affect your StartIng uffer for
the foIIowIng month.
nthecategoryaffectedbytheexpense,clIckonthedownarrowInthecategorybalancecolumn. Apopup
wIndowwIllappear. ClIckon:"SubtractItfromnextmonth'scategorybalance."
NotIcethatthearrownowpoIntstotherIght. ThebalancewIllnowbesubtractedfromnextmonth's
categorybalanceandwIllnotbedeductedfromyourStartIng8ufferfornextmonth.
Step 5 - Pecord the reImbursement as lncome - Avalable Ths Month.
WhenyouIncurtheexpenseorreceIvereImbursementfortheexpense,selecttheAccountwhereyouwIll
beaddIngthemoney

Step 6 - Enter the 0ate.
ClIckInthe0atefIeldtoenterthedate,orclIckonthedropdownarrowtoactIvatethepopupcalendar.
DncethecalendarappearsclIckonthedateofthetransactIontoselectIt.

NDTE: YouwantthIsInflowtogodIrectlytothecategorythatIsaffectedbytheorIgInalexpense,
therefore youwIll NDTselectoneofthencomecategorIesas youwouldIfthIswereapaycheckorother
typeofIncome/payment.
6.2.J HowdohandleFlexIbleSpendIngAccounts:
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Step 7 - Enter the Payee.
nthePayeefIeld,enterthenameoftheperson/place/companywhopaIdyouthemoney.(DrIfyou've
usedthIsPayeebefore,selectItfromthedropdownmenu.)

Step 8 - CategorIze the transactIon.
Selectthecategory ncome:AvaIlableThIs|onth.
Example: 0octor7IsIt

Step - Enter the amount of the InfIow
nthenflowFIeld,entertheamountyoureceIved.

Step 10 - hove to the udget Screen.
ClIckonthe8udgetTabtomovetothe8udgetScreen.

Step 11 - AssIgn the InfIow to the approprIate category.
NotIcethattheInflowhasbroughtthecategorybalanceclosertozero.
WhenenterIngatransactIon,youcaneasIlyaddanewcategoryfromthecategorydropdownmenu.


SImplyselect"AddNewCategory"atthetopofthechoIces. YNA8wIllthenaskyoutonametheccteyory
andassIgnIttoaMcster Ccteyory.

6.2.4 HowdocreateacategoryfromtheFegIster:
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Flagsareused formanyreasons. YoucanusethemtomarktransactIonsyouwIshtorevIsIt;tomarkdebIt
cardorAT|transactIonswIthaspecIfIccolor.t'sentIrelyuptoyou.
ToactIvateaflag,clIckontheflagcolumnandadropdownmenuwIllappear. ClIckontheflagcoloryou
wanttoInsert.


|ostpeoplekeeptheIr8u]]erIntheIrcheckIngaccountsoIt'stherewhenneeded. SInceItIsconstantly
beIngusedandreplenIshed,manypeoplefIndthIseasIer. AddItIonally,InthebegInnIng,whIleyou're
buIldIngyourraInydaycategorIes,youwIllwantthe8uffertobethere asyoumIghtneedtooverspendand
useFuleThree. Sowerecommendthatyoukeepthe8uffermoneyIntheaccountfromwhIchtheactual
spendIngtakesplace.
WIthInYNA8,the8udgetScreenonlycaresaboutyourbudget,orplan,foryourmoney. ThIsIncludesall
yourmoneyregardlessofwhereItphysIcallysIts.Accounts arewhereyoukeeptrackofyourrealworld,
physIcalaccountsandtheIrtransactIons. fyou'dlIketokeepyourbufferInasavIngsaccount,sImplyset
upanaccountforItIntheFegIster.
6.2.5 Whatareflagsusedfor:
6.2.6 WhereshouldkeepmybufferandraInydayfunds:
6.2.7 WhatdodowIthextrapaychecksandIncome:



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SImplyenterthemasncomeIntheFegIsterandbudgetthemoney whereverItIsneeded. fyouneedItIn
themonthyoureceIveIt,enterItaslncome Avclcble Ths Month. fyoudon'tneedItInthemonthyou
receIveIt,enterItaslncome Avclcble Next Month.
PerhapsyoucantakethIsasanopportunItytobuIldupsomeofyourraInydaycategorIes,oremergency
fund. t'stotallyuptoyou.
AlthoughyoucanImportallofyourold|oney/QuIckendataIntoYNA8J,wedonotrecommendImportIng
hIstorIcaldata.
YNA8JworksasaforwardlookIng,spendIngandsavIngsmanagementplanforyourmoney.Assuch,ItIs
notconcernedwIthvastamountsofImportedhIstory.HavIngaccesstothathIstoryasamatterofrecord
mayhavevalue,butIt'smoreImportanttofullyunderstandhowYNA8worksbeforeloadIngInthatmuch
data.
ThemaInreasonforthIsIsIfyousuddenlyImportyearsofdata,youwIllhavetogobacktotheearlIest
dateoftheImporteddataandbudgeteachandeverydollarforeachmonth.0ependIngontheamountof
hIstorIcaldata,thatcouldbeadauntIngandtedIoustask.
ConsIderthesepoInts:
1. HIstorIcaltransactIonshavelIttletonobearIngonfutureplans.WhIlespendIngtrendscanhelpyouget
startedwIthyourbudget,Itwon'tbeworththetroubleItwIlltaketogetthemInplaceandInorder.
2. 8udgetIngIsallaboutcategorIesandassIgnIngdollarstojobs.fyouImportseveralmonthsoryearsof
uncategorIzedtransactIonsthenItwIllcreateahugeamountofworkforyouto categorIzeeachand
everytransactIon.fyouchoosenottocategorIzethemthentheywIllnotreflectInthebudgetnor
appearInanyreport.
J. AslongasyoucanstIllopenupyouroldsoftwarestIllthenyouarebetteroffleavIngtheoldfIlesthere
forfuturereference.

TodayIsanewday! StartfreshbyfollowIngourCettIngStarteddIrectIonsandInnotImeatallyou'llhave
creatednewdata.

WhenenterIngpaychecks,mostpeopleentertheIrtakehomepay. ThIsIstheamountofIncomethatyou
trulyhavecontroloverwhenbudgetIng. HoweverIfyouareInterestedInenterIngyourgrossIncomeand
thedeductIons,hereIshowyouwoulddothat.

Step 1 - Set up budget categorIes for each of your paycheck deductIons.


LearnmoreaboutsettIngupCategorIesand|asterCategorIes
6.2.8 Whyshouldn'tImporthIstorIcaldatafromanotherprogram:
6.2.9 HowdoenterPaycheckdeductIons:


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Step2 - udget the amount of the deductIons to the approprIate categorIes.


Step 3 - Enter the "take-home" amount of your paycheck as a slt transacton


Step4 - Enter each of the deductIons as sub-categorIes In the outfIow fIeId.


Step5 - Enter the Cross amount of the paycheck as eIther Income AvaIIabIe ThIs honth.


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Step 6 - See how thIs transactIon affected the udget Screen.


NotIcethatallthepaycheckdeductIonsnowshowasoutflowstotheapproprIatecategorIesandthetake
homepayofS1J00IsnowleftasAvclcble to 8udyet.

FInaI PoInt:
fyouhaveaYNA88uffer,youmaychoosetoenteryourIncomeaslncome Avclcble Next Month. SInceIn
thatscenarIoyouarelIvIngofflastmonth'sIncome,thIsmeansthatyouwIllbebudgetIngandaccountIng
foryourpaycheckdeductIonsInthefollowIngmonth.
fyouprefertobudgetforyourpaycheckdeductIonsInthecurrentmonth,butstIllhaveyourtakehome
avaIlablenextmonth,youwouldsImplyneedtocreateanaddItIonalsubcategoryInthesplIttransactIon.

Dn WIndows
ThefollowIngcanbefoundat|Icrosoft'sKnowledge8ase:
1.DpenWIndowsExplorerbyrIghtclIckIngtheStartbutton,andthenclIckExplore.
2.ClIckafolderthatcontaInsafIleofthetypethatyouwantWIndowstoopenInaprogramthatyou
select.
J.FIghtclIckthefIleand,dependIngontheprogramsInstalledonyourcomputer,completeoneofthe
followIngsteps:
*ClIckDpenWIthtochoosetheprogramthatyouwant.
*PoInttoDpenWIth,andthenclIckChooseProgramtochoosetheprogramthatyouwant.
4.TheDpenWIthdIalogboxIsdIsplayed.UseoneofthefollowIngmethodstoselecttheprogramthat
youwanttouseforthIsfIletype:
*ntheProgramslIst,clIcktheprogramthatyouwanttouse.
6.2.10 HowdochangehowYNA8handlesmydownloadedbank
fIles:

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*ClIck8rowse,locateandthenclIcktheprogramthatyouwanttouse,andthenclIckDpen.
*ClIckLookfortheapproprIateprogramontheWebtobrowsethenternetfortheprogramthatyou
wanttouse.
5.ClIcktoselecttheAlwaysusetheselectedprogramtoopenthIskIndoffIlecheckboxIfItIsnot
selected.
6.ClIckDK.
Dn a hac
1.SelectthefIleInFInderandgotoFIleCetnfo(orpresscommand+I)
2.nIntheFIlenfowIndowyou'llnotIceasectIoncalled"DpenwIth:".WhenyouclIckthedropdwon
menu,ItwIllshowyoualIstofprogramsthatcanopenthatfIletype.
J.SelecttheprogramthatyouwouldlIketoopenthefIleandthenclosetheFIlenfowIndow.
4.fyouwouldlIkethIschangetobeapplIedtoallfIlesofthIsfIletype(youprobablydo),youcanclIck
the"ChangeAll."buttonandthenconfIrmthechangebyclIckIng"ContInue".

nYNA8J,therearetwotypesofaccounts.WhenyoufIrstsetupanaccount,youwIllbeaskedwhether
youwouldlIkeIttobeanDn8udgetAccountoranDff8udgetAccount.
Dn8udgetAccountsareyouraccountswIthInYNA8thatprovIdeandholdfundsthatyouwIllusefortheday
todayoperatIonofyourbudget. ThemajorItyofyourbudgetIngactIvItywIlltakeplaceIntheseaccounts.
Dn8udgetAccountsareapartofyourbudget,orspendIngplan. TransactIonsenteredIntheseaccounts
arecategorIzed. AnyInflowsthatarecategorIzedasIncomewIllshowuponthe8udgetScreenandwIllbe
AvaIlableto8udget. AnyoutflowsthatarecategorIzedasexpenseswIllshowupIntheDutflowcolumnon
the8udgetScreen.
Dff8udget AccountsareaccountsthatyouhaveaddedtoYNA8prImarIlytotracktheIrprogress. Youmay
makedeposItsorpaymentstotheseaccounts,buttheseaccountsdonotprovIdemoneytofundyour
budget. TheseaccountshavelImItedactIvIty.
TheseaccountsareNDTapartofyourbudgetorspendIngplan. Examplesoftheseaccountswouldbea
retIrementaccount,mortgageaccount,orlongtermsavIngsaccount. Youmaysendmoneytothese
accounts,butthemoneyIntheseaccountswIllnotbeaddedtoyourAvaIlableto8udgetfundstobe
assIgnedtoyourcategorIes.
8ecausecategorIesexIstonlyaspartofthebudget,therearenocategorIesIn Dff8udget Accounts.
The8udget ScreenIscommandcentralofYNA8J.HereIswhereyouwIll:
1. Planandrecordyourmonthlybudget.
2. |onItoryourprogressbyknowIng exactlywhereyoustandwIthrespecttoyourbudgetplansandyour
actual
spendIng.
J. |akeanychangesorupdatesnecessarytokeepyourzerobasedbudgetontrack.

HowtheFegIster(Accounts)affectthe8udget
YNA8hasagreatwayofdealIngwIthbIggerexpenses,andthat'sFuleTwo.
Rule Twoallowsyoutosaveaheadfortheseexpenses.
FormoreInformatIonsee: WhatIsFuleTwo:

6.2.11 WhyaretherenocategorIesonsomeofmyaccounts:
6.J FAQs 8udget
6.J.1 HowdosaveforbIgexpensesandbIlls:




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Yes! YNA8IsnotonlyapowerfulbudgetIngtool,butaflexIbleone. Let'ssayyoubudgetedSJ00forCar
FepaIrs,butrealIzedthatyouneededmorethanthatduetoanunexpectedproblem. YoucansImplylower
theamountyouassIgnedtoanothercategoryandmovethemoney. PerhapsyoubudgetedS400foryour
EntertaInmentcategory,butstIllhaveS100left. YoucouldlowerEntertaInmentcategorytoSJ00,andthat
wouldmakeS100avaIlableforcarrepaIrs. SImplyaddthatS100toCarFepaIrscategoryandyouareall
set.
ThIsIssmartbudgetIng dealIngwIthproblemsImmedIately,astheyoccur.
fyoudon'thavea8u]]er,youwIllwanttoworktowardsavIngone. EachtImeyouarepaId,oreachtIme
moneycomesIntoyourlIfe,youwIllenterItaslncome Avclcble Ths Month. ThatwIllmakeItAvaIlable
to8udgetInthemonthyoureceIvedIt. Then,prIorItIzeyourbIllsandassIgnthosedollarstoneeded
categorIes.
WhenyouarefIrststartIngout,trynottobudgetallofthIs. Theseextra"AvaIlable"dollarswIllroll
forwardovertImeandaddto your8uffer,whIchshouldeventuallyequalonemonth'sIncome.
DnceYourStartIngYNA88ufferequalsonemonth'sIncome,youshouldbudgetItalltozero.(FuleDne)
ThenallfutureIncomewellbeheldtotothefollowIngmonthbyassIgnIngItaslncome Avclcble Next
Month.
CheckoutourCettIngStartedsectIontoseehowtosetupyourfIrstbudget.
FormoreInformatIonsee: WhatIsFuleFour:
Whenyouoverbudyet,youhavebudgetedmoremoneythanyouhadAvclcble to 8udyet. notherwords,
youhaveplannedtospendSJ000,eventhoughyouonlyhaveS2500. ThIsIsnotrecommended. Youshould
onlybudgetmoneythatyouhave.
YNA8wIllwarnyouwhenthIsoccurs:


fyouhoverovertheredwarnIng,atooltIpwIllappeartogIveyoumoreInformatIon:

6.J.2 Canchangemybudgetthroughoutthemonth:
6.J.J HowdobudgetwIthoutonemonth'sIncomesaved:
6.J.4 What'sthedIfferencebetweenDverSpendIngandDver
8udgetIng:


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DverspendnyIswhenyouspendmoreInaspecIfIccategorythanyouplannedtospend. Forexample,If
youbudgetedSJ00forCrocerIes,butspentS400,youhaveoverspentbyS100.
Whenyouoverspend,YNA8placesanarrownexttotheoverspendIngtomakeyouaware,andprovIdeyou
wIthoptIonsforhowtodealwIthIt.


FormoreInformatIonsee: HowdoesYNA8handleDverSpendIng:
YNA8usesFule Three Roll wth the PunchestodealwIthoverspendIngwIthInacategory.
WhenthereIsoverspendIngwIthInacategory,thatamountIssubtractedfromnextmonth'sstartIng
buffer. AlternatIvely,youcanchangehowthatIshandled.
WhenoverspendIngoccurs,youwIllseeasmallredarrowappearInthecategorybalancecolumn:



fyouclIckonthearrowhowever,youwIllbeabletochangetheoverspendIngsettIngsforthatcategoryIn
thepopupwIndowthatappears:

6.J.5 HowdoesYNA8handleDverSpendIng:
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fyouselectSubtractIffromnextmonth'scategorybalance,ItwIlldojustthat,andnotaffectnext
month'sstartIngbuffer. naddItIon,thearrowwIllchangetoIndIcatethatyouhavechangedthesettIngs:

Seealso:
Rule ThreeIntheClossary

Whenyouoverbudget,youhaveassIgnedmoremoneytoyourcategorIesthanyouhadAvaIlableto
8udget. Forexample,IfyouhadS2500AvaIlableto8udget,but assIgnedSJ000toyourcategorIes,you
haveoverbudgetedbyS500.
ThIsIsnotrecommendedbecauseyouhavefalselycreatedmoneywIthIntheprogramthatdoesnotexIstIn
reallIfe. However, YNA protects you by aIways roIIIng the avaIIabIe amount forward to the next
month - regardIess of whether It's a posItIve number or a negatIve number. nthecaseofanegatIve
number,thIswIllforceyoutodealwIththemIstakebeforebudgetIngforthenextmonth. YouwIllsImply
havelessavaIlablenextmonth.
nthebudgetcolumnforthecurrentmonth,enterhowmuchmoneyyouwanttoassIgntoeachcategory,
untIlyourAvclcble to 8udyetamountIsS0. ThIsIsRule DneInactIon!
nthepIcturebelow,supposeyoustartedoutwIthS1000Avclcble to 8udyetandbudgetS200Into
CrocerIesandS100IntoFestaurants. 8udyeted belowIsatotalofeverythIngthathasbeenbudgetedbelow
theheader. nthIscase SJ00sofar. Theamount8udyeted belowhasbeensubtractedfromAvclcble to
8udyetso younowhaveS700 whIchneedstobeassIgned tocategorIes.


fyouhaveanymoneyleftover,ItwIllbecarrIedovertonextmonth's"Avclcble to 8udyet" Asyoumove
forward,yourgoalshouldbetocarryover moneyeachmonthsoInordertosaveupenough
money to budgetforonemonthwIthouttouchIngyourpaychecks. WhenthIshappens,youwIllhavesaved
upwhatwecallthe8u]]erandarrIvedatRule Four!
TolearnhowtogIveeverydollarajob,see:
Rule DneIntheClossary
6.J.6 HowdoesYNA8handleDver8udgetIng:
6.J.7 HowdogIveeverydollarajob:


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Tolearnhowtogetoutofthepaychecktopaycheckcyclesee:
Rule FourIntheClossary

fyouarepaIdacoupleoftImesofyearandneedtobeabletobudgetthatamountofmoneyovermore
thanonemonth,YNA8JhandlesthIssItuatIonbeautIfully.
Let'sassumeyouarepaIdS9,000onJanuary1standwIllnotbepaIdagaInuntIlAprIl1st. SothIspaycheck
needstolastforthreemonths.
Step 1 - Enter the amount of your paycheck as lncome - Avalable Ths Month.
TolearnhowtorecordIncomesee: FecordIngncome
ThIswIllmakeyourcheckAvclcble to 8udyetInJanuary. YouwIllnowseeS9,000lIstedasncomefor
JanuaryandAvaIlableto8udget.


SInceyouneedtomakethIsS9,000lastforthreemonths,themathIsverystraIghtforward.
S9,000dIvIdedbyJ=SJ,000.

Step 2 - udget for January.
HereIswhatJanuary'ssamplebudgetwouldlooklIkeafterbudgetIngonethIrdoftheS9,000,orSJ,000.

6.J.8 HowdostoplIvIngpaychecktopaycheck:
6.J.9 ampaIdeverythreemonths.HowdodealwIththIs:


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ThereareacoupleofthIngstonoteInthegraphIcabove:
YoucanclearlyseeIntheheaderthatSJ,000hasbeenbudgetedbelowInJanuary.
ThereIsstIllS6,000AvaIlableto8udget.
nthefooter,TheremaInIngS6,000whIchwasnotbudgetedInJanuaryhasnowbecomeapartofnext
month'sYNA88ufferandwIllbeAvclcble to 8udyetInFebruary.
Let'smovetoFebruaryandtakealook:


Step 3 - udget for February.
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NowyoucanrepeatthesamestepandbudgetSJ,000InFebruary.
ThIsIswhatFebruarylookslIkeafterbudgetIngSJ,000:
DnceagaIn,theamountSAvaIlableto8udgetSSthatwasNDTbudgetedInFebruarybecomesapartofnext
month'sYNA88uffer.


Step 4 - udget for harch.

Dnceallthemonthshavebeenbudgeted,thIsIswhatyouwIllseeonthe8udgetScreen:
fyoubudgetamountsareessentIallythesameeachmonth,usetheQuIck8udgetfeatureatthetopof
eachmonthtocopyamountsfromtheprevIousmonthInoneclIck.
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YouarenowsetforthenextthreemonthsandallyourdollarshavebeengIvenjobs.
Hereyou'llfIndsomequestIonstodIfferentYNA8questIonsandsomegeneraltIpsandtrIcks.
WhIleIt'struethatyouaretechnIcallylIvIngonlastmonth's Income(Rule Four),youarecertaInlynot
operatIngwIthabufferInplace.WhatyouearnontheJ1stof|arch,youmayverywellneedtospendon
AprIl1st.That'snobuffer!

6.4 FAQs|Iscellaneous
6.4.1 ampaIdonthelastdayofthemonth.0oalreadyhavea
8uffer:



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TherearetwowaysyoucandealwIthCash. tcanbesetupasaseparateaccount,oryoucancreatea
categoryspecIfIcallyforCash.
ACashAccountIssImIlartoaCheckIngAccount. YouwIllenterastartIngbalance(theamountofcashyou
haveonhand)andrecordallpurchasesmadewIthcashInthecashaccountregIster,selectIngthecategory
thatIsassocIatedwIththepurchase. Forexample: fyouspendS20Incashatarestaurant,youwIllenter
thetransactIonInthecashaccountselectIngFood:Festaurantsasthecategory.
Whenyoutakecashoutofthebank,youwIllrecordatransferfromthataccounttothecashaccount.
ClIckhereformoreInformatIononTransfers.
ThIsmethodworkswellIfyouwanttoknowexactlywhatcategorIesareaffectedbycashpurchases.
AlternatIvely,youcantreatcashasacategory. ThIsworkswellIfyoudon'tspendalotofcashanddon't
needtoknowexactlywhatcategorIeswereaffectedbycashpurchases.
YoucancallthIscategory"Fun|oney","SpendIng|oney","AT|WIthdrawals","Cash",oranythIngyou
lIke.
UsIngthIsmethodyouwouldcreateacategoryforcash,andanytImeyoutakecashoutofthebankyou
wouldrecordItasspenttothatcategory. ThIsway,youhaveaccountedforthewIthdrawalInYNA8,but
arefreetospendthecashwIthouthavIngtocomebackandrecordInYNA8.
FormoreInformatIon:
ClIckheretolearnhowtosetupaCashAccount
ClIckheretolearnhowtosetupCashasaCategory
ThosenewtobudgetIngareoftenconfusedaboutwhentostart. TheanswerIsnow! fyouarefeelIng
motIvatedtogetyourbudgetstartedthenjumpInandseIzethemoment.
TherearejustacoupleofthIngstokeepInmInd:

1. The past Is the past! Youdon'tneedtobudgetforthIngsthatalreadyhappenedbeforeyoustarted
yourYNA88udget.
2. Enter thIngs In reaI tIme! 0on'ttrytoentertransactIonsthathappenedaweekagoorthatwIll
happennextweek.WorkInrealtImeasthIngshappen.
J. FoIIow thIs sImpIe pattern:EnterIncome8udgettozeroFecordspendIng
4. Pepeat!
fyouarejuststartIngout,anddon'thaveonemonth's Incomesaved,youwon'tbeableto budgetthe
entIremonthatonce. That'sokayjustprIorItIzeyourbudgetIngand askyourselfthIsquestIon: What
does thIs money need to do before I am paId agaIn! 8udgetforthoseexpensesandthentrackyour
spendIng. WhenyouarepaIdagaInFEPEAT! EnteryourIncome,budgetIt,andrecordspendIng.

FordetaIledstepsonhowtogetstartedpleasecheckoutourCettIngStartedpage.

YoucaneasIlyexportdataInCS7format. ThIsformatcanbeopenedwIthanyspreadsheetprogramwhere
youcanmanIpulatethedataforyourownneeds.

ExportIng Peport 0ata
YoucanexportSpendIngFeportsbyclIckIngonFeportsandthenchoosIngSpendIngfromthetopofthe
6.4.2 HowdodealwIthCash:
6.4.J HowdostartInthemIddleofamonth:
6.4.4 Canexportmydata:


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screen. YoucanalsoexportNetncome/NetWorthdata oncethe screenIsactIvated.

ExportIng 0ata from Accounts and the udget
ToexportbudgetoraccountdatagototheFIle|enuandselectExport. ApopupwIllappearandyouwIll
bepromptedtoselectedeItherQForCS7.
ChoosIngCS7wIllexportbothbudgetandaccountdataIntotwoseparatefIles. AsmentIonedabove,CS7
canbeopenedbyaspreadsheetprogram.
QFwIllonlyexporttransactIons. QFfIlescanbeopenedbymanyotherfInancIalprograms.


YoucanprIntthe currentregIster, theleftmostmonthofthebudgetscreen,orthecurrentreports
wIndow.
ToprIntgotoFIlePrIntandYNA8JwIllprIntwhateverIscurrentlybeIngvIewed.
8ackupsaremadeautomatIcallyeachtImeyousaveyourbudget. YoucanconfIgurethebackupsIn
preferences.
Toaccesspreferences:
WIndows: FIlePreferences
|ac:YNA8Preferences

FromhereyouturnofftheautomatIcbackuporsavethebackupstoadIfferentfolder.Dnceyouhavemade
changes,clIckSA7E.
TorestoreabackupfIle,gotoFIleDpenandnavIgatetothefolderwherethebackupsweresaved.
SelectthemostrecentbackupfIleandclIckopen.

6.4.5 HowdoprInt:
6.4.6 Howdobackupmybudget:



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F2:fcategoryIshIghlIghted,renamestheactIvecategory
F2:fedItIngacell,dropsdownthelIstofautosuggestpossIbIlItIes.
LeftandFIght:collapsesandexpandsthecurrenthIghlIghted|asterCategory
0elete:deletesthehIghlIghtedcategory
nsert:facategoryIsselected,createsanewcategory
Up/0ownorTab/ShIft+Tab:fabudgetcellIshIghlIghted,movethehIghlIghtupordowntothenext
budgetcell.

PressIng anyofthearIthmetIckeys(+,/,*,),wIllbrIngupthecalculatorandactasIfyouhadjustclIcked
thatbutton. fthecellIsemptythemInussIgnwIllletyouenteranegatIvenumber.
TheseshortcutsbrIngupthecalendar.

m:8egInnIngofthemonth
|/h/H:Endofthemonth
y:8egInnIngoftheyear
Y/r/F:Endoftheyear
t/T:Today

Upanddownarrowkeys: addsandsubtractsdays




TheseworkanywhereIntheprogram:
CTFLC:copIesselectedtext
CTFLX:cutsselectedtext
CTFL7:pastesfromtheclIpboardIntotheselectedcell
Dn a wIndows machIne:
CTFL8: goestothe8udgetScreen
CTFLF: fyouarenotIntheaccountscreen,ItwIlltakeyoutothelastmostrecentprevIouslyselected
account.(fyouarealreadyInaccounts,ItdoesnothIng.)
7 KeyboardShortcuts
7.1 8udgetShortcuts
ToenablethefunctIonkeystoworkonanApple,holddownthefnkeyInthelowerleftcornerofthe
keyboard. fthIsdoesnotwork,checkyourAppleusermanualtofIndouthowtoenablethefunctIon
keysforyourspecIfIc|acIntoshcomputer.
7.2 CalculatorShortcuts
7.J CalendarShortcuts
ThedatefIeldmustbeactIve beforetheseshortcutscanbeactIvated.
7.4 0ateShortcuts
7.5 ClobalShortcuts





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CTFLS:savescurrentbudgetfIle
CTFLE:goestotheFeportsScreen
CTFLY:goestothePayeeSettIngsScreen
Dn a hac:
8:goestothe8udgetScreen
S:savescurrentbudgetfIle
F:fyouarenotIntheaccountscreen,ItwIlltakeyoutothelastmostrecentprevIouslyselected
account.fyouarealreadyInaccounts,ItdoesnothIng.
E:goestotheFeportsScreen
Y:goestothePayeeSettIngsScreen
H:HIdesYNA8Jfromthecomputerscreen



0elete:deletesselectedtransactIons
Dn WIndows:
CTFLA:selectsalltransactIons
CTFLN:createsanewtransactIon
CTFLT:approvesselectedtransactIonsInthemaInregIster
CTFLF:nItIatesasearch
Dn a hac:
CD||AN0A:selectsalltransactIons
CD||AN0N:createsanewtransactIon
CD||AN0T:approvesselectedtransactIonsInthemaInregIster
CTFLF:nItIatesasearch
0elete:deletesanyanyselectedtransactIons,regardlessIftheyareInthemaInregIsterorthescheduler:
F5:reapplIesthesorttoboththemaInregIsterandthescheduler
F2:fthereIsasIngletransactIonselected,F2begInsedItIngIt

HotkeystousewhenInatransactIonsdatefIeld:
m:8egInnIngofthemonth:
|/h/H:Endofthemonth
y:8egInnIngoftheyear
Y/r/F:Endoftheyear
t/T:Today

HotkeystousewhenInatransactIon'scheckfIeld:
Ctrln:EntersthenextchecknumberbasedonyourhIghestenteredchecknumberuntIlnow
YoucanusethedownarrowtogobacktotheprevIouschecknumber.TheuparrowandthePluskeygoes
tothenextchecknumber.
7.6 FegIsterShortcuts
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0elete:0eletesselectedtransactIons
F2:8egInsedItIngtherow
CTFLA:fedItIngacell,selectstheentIrecellcontents. fnotedItIngacell,selectsallvIsIble
transactIons.

7.7 SchedulerShortcuts

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"Dff udget" Accounts - Asset Accounts, Dff_udget_Accounts_-_Asset_Accounts.htmI
"Dff udget" Accounts - LIabIIIty Accounts, Dff_udget_Accounts_-_LIabIIIty_Accounts.htmI
Account ActIons, Account_ActIons.htmI
Account Types, Account_Types.htmI
AddIng Notes, AddIng_Notes.htmI
AvaIIabIe Funds PoII Forward, AvaIIabIe_Funds_PoII_Forward.htmI
udget Header and Footer, udget_Header_and_Footer.htmI
udget Screen, udget_Screen.htmI
udget Shortcuts, udget_Shortcuts.htmI
udgeted CoIumn, udgeted_CoIumn.htmI
udgetIng for New Purchases on a CredIt Card, udgetIng_for_New_Purchases_on_a_CredIt_Car.htmI
udgetIng for PrIor 0ebt, udgetIng_for_PrIor_0ebt.htmI
udgetIng for the Dverdraft aIance, udgetIng_for_the_Dverdraft_aIance.htmI
udgetIng the AvaIIabIe Number, udgetIng_the_AvaIIabIe_Number.htmI
uIIt-In CaIcuIator, uIIt-In_CaIcuIator.htmI
uIk CategorIzIng TransactIons, uIk_categorIzIng_transactIons.htmI
CaIcuIator Shortcuts, CaIcuIator_Shortcuts.htmI
CaIendar Shortcuts, CaIendar_Shortcuts.htmI
Can I change my budget throughout the month!,
Can_I_change_my_budget_throughout_the_month.htmI
Can I export my data!, Can_I_export_my_data.htmI
Cash Accounts, Cash_Accounts.htmI
CategorIzIng Imported ank 0ata, CategorIzIng_Imported_ank_0ata.htmI
Category aIance CoIumn, Category_aIance_CoIumn.htmI
Common Causes for Errors, Common_Causes_for_Errors.htmI
CreatIng a Cash Account, CreatIng_a_Cash_Account.htmI
CreatIng a Cash Category, CreatIng_a_Cash_Category.htmI
CreatIng a CredIt Card Account, CreatIng_a_CredIt_Card_Account.htmI
CreatIng a New Category, CreatIng_a_New_Category.htmI
CreatIng a new CheckIng Account, CreatIng_a_new_CheckIng_Account.htmI
CreatIng a New haster Category, CreatIng_a_New_haster_Category.htmI
CreatIng a Non-udgeted Account, CreatIng_a_Non-udgeted_Account.htmI
CreatIng a SavIngs Account, CreatIng_a_SavIngs_Account.htmI
CredIt Card Accounts, CredIt_Card_Accounts.htmI
CustomIzIng CategorIes, CustomIzIng_CategorIes.htmI
0ate Shortcuts, 0ate_Shortcuts.htmI
0eaIIng wIth a HybrId CredIt Card, 0eaIIng_wIth_a_HybrId_CredIt_Card.htmI
0eaIIng wIth Dverdraft Dver TIme, 0eaIIng_wIth_Dverdraft_Dver_TIme.htmI
0eIetIng a ScheduIed TransactIon, 0eIetIng_a_ScheduIed_TransactIon.htmI
0eIetIng a TransactIon, 0eIetIng_a_TransactIon.htmI
0o I stIII need my uffer category In YNA 3!, 0o_I_stIII_need_my_uffer_category_In_YNA_3.htmI
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0rag and 0rop to Drder CategorIes, 0rag_and_0rop_to_Drder_categorIes.htmI
EdItIng TransactIons, EdItIng_TransactIons.htmI
EnterIng a ScheduIed TransactIon, EnterIng_a_ScheduIed_TransactIon.htmI
EnterIng DutfIows from a SavIngs Account, EnterIng_DutfIows_from_a_SavIngs_Account.htmI
Error CheckIng, Error_CheckIng.htmI
Errors, Errors.htmI
FAs - Accounts, FAs_-_Accounts.htmI
FAs - udget, FAs_-_udget.htmI
FAs -hIsceIIaneous, FAs_-hIsceIIaneous.htmI
FIndIng your way around YNA 3 - NavIgatIon, FIndIng_your_way_around_YNA_3.htmI
FIaggIng TransactIons, FIaggIng_TransactIons.htmI
Fresh Start, Fresh_Start.htmI
CettIng Started, CettIng_Started.htmI
CIobaI Shortcuts, CIobaI_Shortcuts.htmI
HandIIng 0ebt In Dff udget 0ebt Accounts, HandIIng_0ebt_In_Dff_udget_0ebt_Accounts.htmI
HandIIng 0ebt In Dn-udget 0ebt Accounts, HandIIng_0ebt_In_Dn-udget_0ebt_Accounts.htmI
HandIIng 0ebt In YNA, HandIIng_0ebt_In_YNA.htmI
HIdIng Accounts, HIdIng_Accounts.htmI
HIdIng CategorIes, HIdIng_CategorIes.htmI
How do I backup my budget!, How_do_I_backup_my_budget.htmI
How do I budget wIthout one month's Income saved!,
How_do_I_budget_wIthout_one_months_Income_saved.htmI
How do I change how YNA handIes my downIoaded bank fIIes!,
How_do_I_change_how_YNA_detects_my_downIoaded_bank_fIIes.htmI
How do I create a category from the PegIster!, How_do_I_create_a_category_from_the_PegIster.htmI
How do I deaI wIth Cash!, How_do_I_deaI_wIth_Cash.htmI
How do I enter Paycheck deductIons!, How_do_I_enter_Paycheck_deductIons.htmI
How do I gIve every doIIar a job!, How_do_I_gIve_every_doIIar_a_job.htmI
How do I handIe FIexIbIe SpendIng Accounts!, How_do_I_handIe_FIexIbIe_SpendIng_Accounts.htmI
How do I handIe reImbursements!, How_do_I_handIe_reImbursements.htmI
How do I prInt!, How_do_I_prInt.htmI
How do I save for bIg expenses and bIIIs!, How_do_I_save_for_bIg_expenses_and_bIIIs.htmI
How do I start If my bank account Is In overdraft!,
How_do_I_start_If_my_bank_account_Is_In_overdraft.htmI
How do I start In the mIddIe of a month!, How_do_I_start_In_the_mIddIe_of_a_month.htmI
How do I stop IIvIng paycheck to paycheck!, How_do_I_stop_IIvIng_paycheck_to_paycheck.htmI
How does YNA handIe Dver-udgetIng!, How_does_YNA_handIe_Dver-udgetIng.htmI
How does YNA handIe Dver-SpendIng!, How_does_YNA_handIe_Dver-SpendIng.htmI
How the PegIster Affects the udget, How_the_PegIster_Affects_the_udget.htmI
How to record a Cash TransactIon, How_to_record_a_CashTtransactIon.htmI
How to Use Peports, How_to_Use_Peports.htmI
I am paId every three months. How do I deaI wIth thIs!,
I_am_paId_every_three_months.__How_do_I_deaI_wIth_thIs.htmI
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I am paId on the Iast day of the month. 0o I aIready have a uffer!,
I_am_paId_on_the_Iast_day_of_the_month._0o_I_aIready_have_a_uffer.htmI
Imported FIIe Format Types, Imported_FIIe_Format_Types.htmI
ImportIng a fIIe that you have aIready downIoaded from your bank.,
ImportIng_a_fIIe_that_you_have_aIready_downIoaded_from_your_bank..htmI
ImportIng CSV FIIes, What_do_I_need_to_know_about_ImportIng_In_CSV_format.htmI
ImportIng hIstorIcaI data from another program, ImportIn_hIstorIcaI_data_from_another_program.htmI
ImportIng TransactIons, ImportIng_TransactIons.htmI
ImportIng TransactIons dIrectIy from your bank's web sIte,
ImportIng_TransactIons_dIrectIy_from_your_bank-s_websIte.htmI
InstructIonaI VIdeos, InstructIonaI_VIdeos.htmI
Interest and Fees, Interest_and_Fees.htmI
Interest and Fees In Dff udget Accounts, Interest_and_Fees_In_Dff_udget_Accounts.htmI
Interest and Fees In Dn udget Accounts, Interest_and_Fees_In_Dn_udget_Accounts.htmI
Interest and Fees on CredIt Card Accounts, Interest_and_Fees_on_CredIt_Card_Accounts.htmI
LIne of CredIt, LIne_of_CredIt.htmI
LIne of CredIt Accounts, LIne_of_CredIt_Accounts.htmI
hakIng a CredIt Card Payment, hakIng_a_CredIt_Card_Payment.htmI
hakIng Purchases wIth a CredIt Card, hakIng_Purchases_wIth_a_Credt_Card.htmI
hatchIng Imports agaInst manuaIIy entered transactIons,
hatchIng_Imports_agaInst_manuaIIy_entered_transactIons.htmI
hovIng a TransactIon to a dIfferent account, hovIng_a_TransactIon_to_a_dIfferent_account.htmI
hy AvaIIabIe number changed after upgradIng. What do I do!,
hy_AvaIIabIe_number_changed_after_upgradIng.__What_do_I_do.htmI
Net Income l Net Worth, Net_Income__Net_Worth.htmI
New CredIt Card Account, New_CredIt_Card_Account.htmI
Dff udget to Dff udget Transfer, Dff_udget_to_Dff_udget_Transfer.htmI
Dff udget to Dn udget Transfer, Dff_udget_to_Dn_udget_Transfer.htmI
Dn and Dff udget Accounts, Dn_and_Dff_udget_Accounts.htmI
Dn udget to Dff udget Transfer, Dn_udget_to_Dff_udget_Transfer.htmI
Dn udget to Dn udget Transfer, Dn_udget_to_Dn_udget_Transfer.htmI
DutfIow CoIumn, DutfIow_CoIumn.htmI
Dverdraft CheckIng Account, Dverdraft_CheckIng_Account.htmI
Dverdraft Interest and Fees, Dverdraft_Interest_and_Fees.htmI
Dverdrawn Account, Dverdrawn_Account.htmI
Payee SettIngs, Payee_SettIngs.htmI
PayIng 0own a Card you never use, PayIng_0own_a_Card_you_never_use.htmI
uIck udget, uIck_udget.htmI
PeconcIIIng your YNA accounts wIth your ank,
PeconcIIIng_your_YNA_accounts_wIth_your_ank.htmI
PecordIng IncomelPaycheck, PecordIng_Income.htmI
PecordIng SpendIng, PecordIng_SpendIng.htmI
PegIster FIeIds - VIew DptIons, PegIster_FIeIds_-_VIew_DptIons.htmI
PegIster Shortcuts, PegIster_Shortcuts.htmI
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PemInders, PemInders.htmI
Pe-orderIng Account Tabs, Pe-orderIng_Account_Tabs.htmI
SavIngs Accounts, SavIngs_Accounts.htmI
ScheduIer, ScheduIer.htmI
ScheduIer Shortcuts, ScheduIer_Shortcuts.htmI
SearchIng Accounts, SearchIng_Accounts.htmI
Separate LIne of CredIt That Acts as a Loan, Separate_LIne_of_CredIt_That_Acts_as_a_Loan.htmI
Separate LIne of CredIt that You Spend from 0IrectIy,
Separate_LIne_of_CredIt_that_you_spend_from_dIrectIy.htmI
SettIng Up The Dverdraft CheckIng Account, SettIng_Up_The_Dverdraft_CheckIng_Account.htmI
ShouId I Import hIstorIcaI data!, ShouId_I_Import_hIstorIcaI_data.htmI
SortIng TransactIons, SortIng_TransactIons.htmI
SpendIng TotaIs, SpendIng_TotaIs.htmI
SpendIng Trends, SpendIng_Trends.htmI
SpIIt TransactIons, SpIIt_TransactIons.htmI,SpIIt_TransactIons2.htmI
StartIng In Dverdraft, StartIng_In_Dverdraft.htmI
SuggestIve udgetIng, SuggestIve_udgetIng.htmI
The Four PuIes of YNA, The_Four_PuIes_of_YNA.htmI
TransactIons, TransactIons.htmI
Transfers, Transfers.htmI
WarnIngs, WarnIngs.htmI
What are fIags used for!, What_are_fIags_used_for.htmI
What do I do wIth extra paychecks and Income!,
What_do_I_do_wIth_extra_paychecks_and_Income.htmI
What Is my YNA uffer!, What_Is_my_YNA_uffer.htmI
What Is PuIe Four!, What_Is_PuIe_Four.htmI
What Is PuIe Dne!, What_Is_PuIe_Dne.htmI
What Is PuIe Three!, What_Is_PuIe_Three.htmI
What Is PuIe Two!, What_Is_PuIe_Two.htmI
What's New In YNA 3!, Whats_New_In_YNA_3.htmI
What's the dIfference between Dver-SpendIng and Dver-udgetIng!,
Whats_the_dIfference_between_Dver-SpendIng_and_Dver-udgetIng.htmI
Where shouId I keep my buffer and raIny day funds!,
Where_shouId_I_keep_my_buffer_and_raIny_day_funds.htmI
Why are there no categorIes on some of my accounts!,
Why_are_there_no_categorIes_on_some_of_my_accounts.htmI
Why shouIdn't I Import hIstorIcaI data from another program!,
Why_shouIdnt_I_Import_hIstorIcaI_data_from_another_program.htmI
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