The biggest part of my budget I feel like I still don’t have a good handle on (and it’s a big one!) is sinking funds. From what I gather, YNAB is great for this, but I wasn’t grandfathered into the nice YNAB pricing system and I’m pretty sure that’s not a service I want to pay new user pricing for.
Right now I have three savings accounts (four if you count my HSA): one attached to my primary checking which I consider my emergency fund, one attached to a credit card that I use as a general “dog stuff” sinking fund (both a sinking fund for his annual health insurance payment and regular vet bills, and an e-fund given that his insurance doesn’t cover 100%), and a third high interest online account for everything else. I’d ideally like to break things out more – one for race fees, one for car stuff (probably my biggest neglect right now), one for travel. I have a hard time mentally dividing up money that is all in one pile. Is the solution to just open several more savings accounts? Or does anyone here have a pretty solution? I’m just curious as to what folks here do outside of YNAB.
Right now I am budgeting via a works for me but I’m sure pretty inefficient google sheets file, as I get really irritated with programs like Mint or Nerd Wallet that take several days to update account totals, always seem to have a hard time connecting, and don’t always have the exact categories I want.