·8 min read
The YNAB Workflow That Saved Our Relationship with Money
My partner and I fought about money until we found a system that worked. Here's the workflow we use and why it matters more than the tools.
Dan Thareja
Founder
Blog
Insights for YNAB users
Tips, guides, and stories about budgeting as a couple, managing shared expenses, and getting the most out of YNAB.
·7 min read
Handling Uneven Splits in YNAB: Rent, Utilities, and Custom Ratios
Not everything is 50/50. Here's how to handle 60/40 rent, income-based splits, and custom ratios in YNAB with or without automation.
Dan Thareja
Founder
·8 min read
Should Couples Combine Finances or Keep Them Separate? A YNAB Perspective
There's no right answer. But if you use YNAB, each approach has different tradeoffs. Here's what I've learned.
Dan Thareja
Founder
·14 min read
How to Use Splitwise with YNAB: The Definitive Guide
Everything you need to know about using Splitwise and YNAB together. Manual workflows, automation options, and the phantom account strategy.
Dan Thareja
Founder
·7 min read
How to Handle Reimbursements in YNAB (Partner, Friends, and Work)
Reimbursements aren't income. Here's how to handle partner splits, friend paybacks, and work expenses without breaking your budget.
Dan Thareja
Founder
·6 min read
How to Handle Settle-Ups Between YNAB and Splitwise
When your partner Venmos you or you settle a Splitwise balance, here's exactly what to do in YNAB. No new money to budget.
Dan Thareja
Founder
·13 min read
The Complete Guide to YNAB for Couples with Separate Finances
How to use YNAB when you and your partner keep separate finances but split expenses. Every approach, explained.
Dan Thareja
Founder
·6 min read
Splitwise for YNAB vs Manual Phantom Accounts: Is It Worth It?
The phantom account strategy works. But is it worth paying to automate? Here's an honest comparison of doing it yourself vs using the app.
Dan Thareja
Founder
·6 min read
YNAB Flag Colors: How to Use Them for Expense Automation
Most YNAB users ignore flag colors. Here's how to turn them into a powerful trigger for automating shared expenses.
Dan Thareja
Founder
·5 min read
YNAB Categories Are Lying to You (If You Split Expenses)
If you share expenses with a partner, your YNAB spending reports are inflated. Here's why, and what you can do about it.
Dan Thareja
Founder
·8 min read
5 Ways to Handle Shared Expenses in YNAB (and Which Actually Works)
Your YNAB categories are wrong if you split expenses. Here are 5 ways to fix it, from quick hacks to full automation.
Dan Thareja
Founder
·4 min read
Dinner for Four: How to Handle Venmo Reimbursements from Friends
You paid for dinner, your friends Venmo you back, and you split the rest with your partner. Now you can flag the inflows too.
Dan Thareja
Founder
·9 min read
The Phantom Account: How to Actually Use Splitwise with YNAB
If you and your partner keep separate finances but split expenses, here's the strategy that makes YNAB work for you.
Dan Thareja
Founder