Haddii aad taqaan qof isticmaala app-ka miisaaniyadaynta waxaad u baahan tahay miisaaniyad (YNAB)^{(You Need a Budget (YNAB))} , fursada inaad maqashay isagoo xusaya. Isticmaalayaasha YNAB waxay la mid yihiin kuwa vegan-ka iyo orodyahanada-waxay jecel^(love) yihiin inay ka hadlaan. Waa wax la fahmi karo, sidoo kale. YNAB waxay noqon kartaa kaliya laadadka surwaalka aad u baahan tahay si aad u hesho dhaqaalahaaga si aad u hesho miisaaniyad^{(get your finances in order with a budget)} . 

In kasta oo ay jiraan dhammaan xooggeeda iyo dib u eegista qaaliga ah, YNAB waxay leedahay daciifnimo u noqon karta macaamilka isticmaaleyaasha qaarkood haddii aanay jirin xal la heli karo. YNAB 's ciribta Achilles waa hawlaheeda warbixinta xaddidan. Nasiib wanaag, waxaad ku rakibi kartaa Qalabka loo yaqaan ' Toolkit for YNAB browser' si aad u hesho dhowr siyaabood oo dheeri ah oo aad ku jarjarto oo aad u jeexdo xogtaada maaliyadeed.

Qalabka loogu talagalay Fidinta YNAB

Qalabka YNAB^{(Toolkit for YNAB)} waa bilaash, il furan browserka kordhinta kaas oo ku dara sifooyinka dashboardkaaga YNAB una ogolaanaya in si weyn loo habeeyo. Kordhinta ayaa diyaar u ah Chrome iyo Firefox waxayna ku siinaysaa aragtida xogtaada maaliyadeed ee YNAB aysan si kale u bixin. Waxaan eegi doonaa warbixinada la socda Qalabka YNAB^{(YNAB Toolkit)} si aan u muujino fikradaha dheeriga ah ee aad ku heli karto rakibiddeeda.

Qalabka YNAB ayaa ka warbixiyay

Qalab la'aanteed , YNAB waxay si ^(Toolkit)dhalasho^(YNAB) ahaan ah u bixisa saddex warbixinood: Kharash, Lacag saafi^{(Net Worth)} ah , iyo Dakhli^(Income) v Kharash^(Expense) . Taas bedelkeeda, Qalabka YNAB^{(YNAB Toolkit)} waxa ku jira todoba warbixinood:

• Net Worth
• Qulqulka/Socoshada
• Kharashaadka Qaybta
• Kharashka Bixiyaha
• Dakhliga vs. Kharashka
• Burburinta dakhliga
• Isku dheelitirka Waqtiga

Warbixin kasta-ka YNAB ama Qalabka Qalabka^(Toolkit) ee YNAB-waxaad^(YNAB—you) cayimi kartaa wakhtiga oo waxaad dooran kartaa inaad ku darto ama ka saarto qaybaha gaarka ah iyo/ama xisaabaadka. 

Markaad rakibto Qalabka^(Toolkit) , arag warbixinahaaga cusub adiga oo dooranaya Warbixinta Qalabka^{(Toolkit Reports)} gudaha menu YNAB ugu weyn.

Warbixinnada Net Worth: YNAB vs. Qalabka Qalabka^(Toolkit) 

Warbixinta Toolkit's Net Worth waxay aad ugu egtahay YNAB's, iyadoo lagu dhex tuuray astaamo yar oo dheeri ah. Waxaan ka saarnay xoogaa faahfaahin ah shaashadahayada, laakiin ha werwerin; waxaad arki doontaa tirooyinka saxda ah markaad aragto warbixinahaaga. Marka hore , aan eegno warbixinta ^(First)Net Worth ee YNAB .

Is barbar dhig taas warbixinta Toolkit's Net Worth .

Labada warbixinba waxay muujinayaan garaaf muujinaya deymaha casaanka ah, hantida buluuga ah, iyo qiimaha saafiga ah sida xariiq. Intaa waxaa dheer, warbixinta Toolkit's Net Worth waxay ku siinaysaa ikhtiyaar aad ku rogto deynta^{(Flip Debt)} si ay deymahaagu uga muuqdaan wax ka hooseeya $0.00 calaamadda garaafka halkii aad ku soo ururin lahayd hantidaada. Warbixinta Qalabka^(Toolkit) waxa kale oo ka mid ah saamiga boqolkiiba deyntaada, sifada aad shidi karto ama ka dami karto bogga dejinta Qalabka .^(Toolkit)

Inflow/Outflow Report Qalabka YNAB

Ma waxaad keenaysaa^{(bringing in)} wax ka badan inta aad kharash garayso? 

Si aad u aragto Inflow/Outflow Report , waxaad u baahan doontaa inaad rakibto Qalabka Qalabka^(Toolkit) maadaama YNAB aysan ku jirin warbixintan haddii kale. 

Warbixinta Kharashaadka: YNAB vs. Qalabka Qalabka^(Toolkit)

Warbixinta Kharashaadka^{(Spending Report)} aasaasiga ah ee YNAB waxay ku tusinaysaa sida^{(how )} aad lacagtaada u bixisay wakhti ka dib. Iyo sidoo kale, waa maxay noocyada waxyaabaha aad ku bixinayso lacagtaada? ( Psst : jawaabtu waa "makhaayadaha.")

Hoos^(Drill) u deg shaxanka pie adiga oo u maraya kala sareyntaada qaybaha si aad u aragto wax kala iibsiga gaarka ah ee qaybtaas. (Fiiro gaar ah u leh naftaada: Ma ogtahay inaad wax ku karsan karto guriga, sax?)

Rakibaadda kordhinta Qalabka^(Toolkit) waxay ku siin doontaa fursad aad ku hesho laba warbixin oo cusub oo ku saabsan kharashkaaga, Kharashaadka Qaybta^{(Spending by Category)} iyo Kharashaadka Bixiyaha^{(Spending By Payee)} . 

Warbixinta Kharashaadka Qaybta waxay la mid tahay ^(Category)Warbixinta Kharashka^{(Spending Report)} ee YNAB oo leh calaamado dheeraad ah. Waxaad riixi kartaa qayb kasta si aad u aragto liiska wax kala iibsiga

Kharashka^(Spending) Qalabka YNAB ee Bixiyaha Warbixinta^(Payee) ayaa ku tusi doonta cidda, sida saxda ah, helaysa lacagtaada adag. ( Costco . Had iyo jeer Costco^{(Always Costco)} .) 

Sida caadiga ah, waxaad riixi kartaa jaantuska pie si aad u aragto liiska macaamil ganacsi.

Dakhliga vs. Warbixinnada Kharashka

Labada dakhli ee saamiyada YNAB^{(YNAB Income)} iyo warbixinta Kharashka^(Expense) iyo mid ka mid ah Qalabka Qalabka^(Toolkit) ayaa ku tusaya shaxda wax kala iibsiga ee wakhtiga, qaybaha, iyo xisaabaadka aad doorato. Farqiga kaliya ee u dhexeeya labada warbixin ayaa ah in Warbixinta Kharashka ^(Expense)Dakhliga^(Income) v ee Qalabka Qalabka^(Toolkit) ay u muuqato mid ka sii wanaagsan. Waa kan warbixinta YNAB:

Sida aad filan lahayd, waxaad arki kartaa macaamil ganacsi oo gaar ah adiga oo dooranaya fallaadhaha hoos u dhaca ee dhanka midig ee magacyada qaybtaada.

Qalabka Dakhliga^(Income) vs. Kharashka^(Expense) warbixinta waxa ku jira macluumaad isku mid ah, oo loo qaabeeyey si ka duwan.

Waxaad go'aansan kartaa nooca aad jeceshahay.

Laba Warbixin oo Dheeraad ah oo ka yimid Qalabka Qalabka^(Toolkit) ee YNAB

Labada warbixin ee ugu dambeeya waxa kaliya oo la heli karaa haddii lagu rakibay balaadhinta Toolkit browser. 

Warbixinta Burburinta Dakhliga

Warbixinta Dakhliga Dakhliga^{(Income Breakdown)} waxay muujinaysaa jaantuska Sankey ee ilaha dakhligaaga iyo meelaha ay dollarkaas u socdaan. 

Wax badan ayaa ku jira warbixintan. Way u anfacaysaa dadka lacagta ku kaydsada akoonnada raadraaca. 

YNAB , xisaabaadka la socodka waa ka baxsan-miisaaniyadda, si ay wax kala iibsiga kuwanu^(YNAB) ma muuqdaan in qaybaha miisaaniyadda. Sidoo kale wax kala iibsigaasi kuma dhaco warbixinada kale. Taasi waa meesha ay ka timaado warbixinta jabinta dakhliga^{(Income Breakdown)}

Isku-dheellitirka Warbixinta Waqtiga

Warbixintii u dambaysay ee ka soo baxday Toolkit for YNAB waa warbixinta Balance Over Time . Warbixintani waxay muujinaysaa hadhaaga xisaabaadka gaarka ah muddada aad dooratay. Warbixintani waxay muujin kartaa macluumaadka hal akoon (sida sawirka hoose) ama akoonno badan.

Qalabka YNAB Warbixinta Dejinta Shaashada

Qalabka Toolkit for YNAB ee kordhinta bogga Settings , waxaad samayn kartaa dhawr hab oo kale oo ku saabsan habka warbixinaha. Ka^(Access) gal setinyadan adigoo isticmaalaya balaastigga browserka

Dooro badhanka Settings fur^{(Open Settings )} si aad u bilawdo bog leh dhammaan xulashooyinka Qalabka . ^(Toolkit)Dooro Shaashadda Warbixinada^{(Reports Screen )} saddex siyaabood oo aad ku habeyn karto warbixinnada dhaladka ee YNAB.

Dooro Qalabka Warbixinada^{(Toolkit Reports)} si aad u bedesho saamiga deynta u dami ama u dami warbixinta Toolkit's Net Worth . 

Isticmaal xogtaada si aad u samayso go'aamo xog ogaal ah^{(Make Informed Decisions)}

Warbixinada ay ku jiraan YNAB iyo Toolkit ee YNAB waxay kaa caawinayaan inaad samayso go'aamo maaliyadeed oo xog ogaal ah. U isticmaal si xikmad leh, waxaana hubaal ah in aragtidaada dhaqaale ay fiicnaan doonto.

YNAB Toolkit Reports: What You Should Know

If you know someone who uses the budgeting app You Need a Budget (YNAB), chances are you’ve heard them mention it. YNAB users are like vegans and runners—they love to talk about it. It’s understandable, too. YNAB can be just the kick in the pants you need to get your finances in order with a budget. 

Despite all its strengths and rave reviews, YNAB does have a weakness that could be a dealbreaker for some users if there weren’t an available solution. YNAB’s Achilles heel is its limited reporting functionality. Fortunately, you can install the Toolkit for YNAB browser extension to gain access to several additional ways to slice and dice your financial data.

The Toolkit for YNAB Extension

Toolkit for YNAB is a free, open-source browser extension that adds features to your YNAB dashboard and allows for greater customization. Extensions are available for Chrome and Firefox and give you views of your financial data that YNAB doesn’t otherwise offer. We’ll look at the reports that come with the YNAB Toolkit to highlight the extra insights you can get by installing it.

The YNAB Toolkit Reports

Without the Toolkit, YNAB natively provides three reports: Spending, Net Worth, and Income v Expense. By contrast, the YNAB Toolkit includes seven reports:

• Net Worth
• Inflow/Outflow
• Spending By Category
• Spending By Payee
• Income vs. Expense
• Income Breakdown
• Balance Over Time

For any report—from YNAB or the Toolkit for YNAB—you can specify the time frame and choose to include or exclude specific categories and/or accounts. 

Once you install the Toolkit, view your new reports by selecting Toolkit Reports in the main YNAB menu.

Net Worth Reports: YNAB vs. the Toolkit 

The Toolkit’s Net Worth report is very similar to YNAB’s, with a few extra features thrown in. We’ve removed some detail from our screenshots, but don’t worry; you’ll see exact numbers when viewing your reports. First, let’s look at YNAB’s native Net Worth report.

Compare that to the Toolkit’s Net Worth report.

Both reports display a bar graph showing debts in red, assets in blue, and your net worth as a line. In addition, the Toolkit’s Net Worth report gives you the option to Flip Debt so that your debts appear below the $0.00 mark in the graph instead of stacked up against your assets. The Toolkit report also includes your percentage debt ratio, a feature you can toggle on or off in the Toolkit’s settings page.

The YNAB Toolkit’s Inflow/Outflow Report

Are you bringing in more than you’re spending? 

To view the Inflow/Outflow Report, you’ll need to install the Toolkit since YNAB doesn’t include this report otherwise. 

Spending Reports: YNAB vs. the Toolkit

YNAB’s basic Spending Report shows you how you spent your money over time. And also, what kinds of things are you spending your money on? (Psst: the answer is “restaurants.”)

Drill down into the pie chart through your hierarchy of categories to see the individual transactions from that category. (Note to self: You know you can cook at home, right?)

Installing the Toolkit extension will give you access to two new reports about your spending, Spending by Category and Spending By Payee. 

The Spending By Category report is similar to YNAB’s Spending Report with some extra labels. You can click into any category to view a list of transactions.

YNAB Toolkit’s Spending By Payee report will show you who, exactly, is getting your hard-earned money. (Costco. Always Costco.) 

As usual, you can click on the pie chart to see a list of individual transactions.

Income vs. Expense Reports

Both the stock YNAB Income vs. Expense report and the one from the Toolkit show you a table of transactions for the time period, categories, and accounts you choose. The only difference between the two reports is that the Toolkit’s Income v Expense report looks a little nicer. Here’s the report from YNAB:

As you would expect, you can view individual transactions by selecting the dropdown arrows to the right of your category names.

The Toolkit’s Income vs. Expense report contains the same information, just formatted a little differently.

You can decide which version you like better.

Two Extra Reports from the Toolkit for YNAB

The last two reports are only available if you have the Toolkit browser extension installed. 

The Income Breakdown Report

The Income Breakdown report displays a Sankey diagram of your sources of income and where those dollars are going. 

There’s a lot to play with in this report. It’s handy for people who save money to a tracking account. 

In YNAB, tracking accounts are off-budget, so those transactions don’t appear in any budget categories. Nor do those transactions occur in other reports. That’s where the Income Breakdown report comes in. It will show the money you move to tracking accounts as a Net Gain, giving you an idea of how much off-budget money you’ve saved.

Balance Over Time Report

The last report from the Toolkit for YNAB is the Balance Over Time report. This report displays the balances of individual accounts over the period you select. This report can show information from one account (like the screencap below) or multiple accounts.

YNAB Toolkit Report Screen Settings

In the Toolkit for YNAB extension’s Settings page, you can make a few more tweaks to the way reports look. Access these settings via the browser extension.

Select the Open Settings button to launch a page with all the Toolkit options. Select Reports Screen for three ways to configure YNAB’s native reports.

Select Toolkit Reports to toggle the debt ratio on or off in the Toolkit’s Net Worth report. 

Use Your Data to Make Informed Decisions

The reports included with YNAB and the Toolkit for YNAB help you make informed financial decisions. Use them wisely, and your financial outlook is sure to improve.

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