Basically the title: are you going to do a Fresh Start for the new year? Why or why not?
I’m trying to figure out if I want to or not, so figured I’d find out other people’s reasonings before I decided.
Basically the title: are you going to do a Fresh Start for the new year? Why or why not?
I’m trying to figure out if I want to or not, so figured I’d find out other people’s reasonings before I decided.
No, why would you?
I’ve had the same budget file running since 2016, and while my pay and wider expenses have changed wildly over that time, the core of my budget (every day expenses) hasn’t ballooned because I’m able to use historical averages as goals.
Also, longer term expenses - new phone, new mattress, etc - I am already saving for, a fresh start would wipe all that out.
The only benefit I can see to a fresh start would be if I stopped using ynab for a prolonged period of time and I didn’t want to do a massive historical import.