Anyone use ynab.com
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Anyone use ynab.com
My guy says that it's a buy out bond and that I can't access it until I'm 60. I'll be pretty surprised if I live to see it.Yes, if it Zurich life, this their explanation
Zurich Life
It gives it a risk rating of 5 which is a medium to high risk rating
Zurich Life
Anyone use ynab.com
It mostly tells me that if i stopped drinking pints while watching music and buying music stuff i'd be able to retire in no time.
Just did the annual update on this, and it is telling me I have more money for messing.
Something must be broken or wrong.
A guy in work here raves about thisAnyone use ynab.com
My own spreadsheet had grown into a monster
Anyway, this is not to tell anyone to do what I’m doing. Just to attest to the benefits and peace of mind of doing it.
Very much the same, learning as I go - mostly as I need to solve a problemI'm on version 3.0ish of one I made myself. Obviously its tailored to my own needs - A couple of sheets, a live form for a few things (car/house/studio) which all pipe into a kinda 'dynamic' sheet 1 that tells me what i need to know. I was very new to this so its just been learning off google.
Things I've found most useful:
Conditional formatting, things that go red if they will be a problem.
IF functions for telling me when I can do things.
=ROUNDDOWN.
HA!I made a one page thing for my ex to get them through college that made me question why mine was so complex.
Gotta check that ROUNDDOWN feature
Dude, you are streets ahead of meBasically i have an account that does all the work and an account that goes out at the weekend, so the budget tells me how much goes into the latter and I set up standing orders. I use the rounddown to add a tiny cushion in between.
I need to find some solid advice on how to make a lump sum of money work best for me for the future. Like a low enough risk and low level of upkeep (so not property) where I can work a low paying job I actually would enjoy. Ah, the dream.
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