How one can Flip Your Funds right into a To-Do Checklist


I’m a productiveness junkie—I’ve dabbled in a lot of the to-do record apps on the market, and I’ve experimented with each number of Put up-it notes, pens, and fancy journals. Nothing ever appears to stay!

YNAB is nice as a result of I by no means need to “system hop” in relation to my price range. As soon as it clicked for me, I used to be hooked, and I’ve by no means regarded again. Having that framework for managing my funds is highly effective and assuring, and I really like that I don’t need to “hack” it to make it work. 

How I exploit YNAB as a to-do record

These days, a part of my productiveness experimentation concerned YNAB. In spite of everything, I’m in my price range each. single. day. Generally (okay, most instances) a number of instances a day. Might there be a method to make it work for me as a to-do record? Whereas I’ll neglect to open my planner or unintentionally toss that post-it notice, there’s little doubt that my price range will at all times be there for me. 

Listed here are some methods to make use of YNAB as a to-do record:

Scheduled transactions as reminders

Scheduled transactions in the budget intended to remind the author to buy a birthday gift and give her dog medicine.
A scheduled transaction can function a reminder.

The obvious means to make use of YNAB as a to-do record is to reap the benefits of scheduled transactions. For instance, due to YNAB, I do know that my library card is because of expire in a number of weeks. Sadly, the “cool” library (sure, there’s such a factor) is simply over the state border, and I’ve to pay $50/yr to have the ability to try a gazillion youngsters books each week. 

It’s not on auto-renew, however seeing that transaction enter my price range is a reminder to do one thing about it. Do I wish to renew my library card? Are there dusty, forgotten books that have to be returned (most definitely)? It’s the nudge I would like. 

My teammates had all kinds of enjoyable makes use of for scheduled transactions: 

  • Does a test have to be written for an expense, one thing that may’t be paid by way of auto-pay? Kat makes use of scheduled transactions to remind herself to just do that. 
  • Jen makes use of scheduled inflows to let her know she’s anticipating reimbursement, whereas Ernie makes use of them to test incoming rebates (whereas all of us lament that it might be higher to obtain in-store financial savings as an alternative). 
  • Kelly makes use of scheduled transactions to remind herself to skip meal package deliveries – one thing I’m notoriously horrible at doing (though as soon as, I requested to cancel they usually refunded me, solely to ship the field anyway—which was nice for my grocery price range). 

Use the notes area

The notes section of a YNAB budget reminding the author to set up auto pay for the month
The notes part is the right place to go away your self a reminder.

The notes area can be extraordinarily useful—you possibly can add month-specific to-do’s within the class header, or class particular notes within the—you guessed it—class. The “✅” emoji can be utilized to maintain you on monitor. 

Ashley G. makes use of her notes to maintain monitor of birthdays and vital occasions and to assist handle her Christmas buying, however her use of the “✅” emoji is downright genius! Extra on that beneath.

Use classes and class teams

Ashley makes use of a class group to arrange all of her Christmas to-do’s, with every class representing one thing that must be bought and accomplished, like shopping for stamps and sending out playing cards. As soon as it’s full, the class will get the magic test mark (✅) and is moved to the underside of the record. 

Classes themselves may be standalone to-do’s, simply stored out of view by collapsing the class group. As soon as they’re accomplished, you possibly can even delete them—YNAB will immediate you to decide on a class to ‘merge’ them into, so your price range shall be litter free. 

Create a to-do “account”

A screenshot of the accounts section with a fake "To-do list" account to use as a running to-do list.
Arrange a faux account to make use of as a working to-do record.

I created a selected account in my price range referred to as “✅ To-Do Checklist”. Whereas it might be superb if YNAB may import the contents of my working psychological to-do record, that is the following neatest thing. On this account, I exploit scheduled transactions to create date-specific to-do’s: the date is when it’s due (repeating as needed) and the ‘process’ is the payee. For the class, I’ll select whichever is essentially the most related.

For instance, if my canine wants her flea medicine, I’d select the “Pet” class. If I would like to purchase a birthday current for my mother, I’d set it up like this, with “Purchase Mother’s Current” because the payee, with “items” because the class:

I can use the memo area to maintain monitor of any particular particulars, like concepts for her present and even the URL of the merchandise on Amazon. The fantastic thing about that is that I don’t must enter an quantity for the “transaction”, however it’s preserved in my price range. As soon as the duty is full, I’ll “clear” it, so I nonetheless get that satisfaction of marking a test field. The cool half is that I can use the To-Do Checklist account as a method to see all the things that’s on my plate, and may filter by class as wanted. And if I don’t wish to see the finished to-do’s anymore? I can reconcile, and simply filter these out. 

Whereas I believe I’ll eternally experiment in relation to my to-do record, utilizing YNAB on this means has been a game-changer. It reduces the friction that comes from checking yet one more app, web site, or notepad, and makes it much more seemingly for me to work together with my price range. It’s a win win! 

Occupied with extra budgeting ideas and methods? Be part of us on the Weekly Roundup, a enjoyable, once-a-week e mail replace on cash issues!

A flying paper airplaneA paper airplane

Scroll to Top