The Clean Way to Plan Future Purchases in YNAB (Without Category Chaos)

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Planning for future purchases in YNAB doesn’t have to clutter your budget or create category chaos.

In this video, I walk through a clean, low-friction way to plan for big-ticket (and not-so-big) purchases—without overloading your everyday categories or constantly hiding and re-enabling budget lines.

If you’ve ever:
✅ Used a Wish Farm and felt like it got messy over time
✅ Hidden categories only to dig them back out later
✅ Wondered how to plan ahead without throwing off your monthly numbers

…this approach may completely change how you think about future spending in YNAB.

I’ll show you:
✅ How to set up a Future Planning category group
✅ Why custom, non-repeating targets work best for planned purchases
✅ How to buy the item without inflating your regular spending categories
✅ A simple method to move transactions to their “true home” after the purchase
✅ How this keeps your budget clean, focused, and easier to review later

This method lets you stay intentional with your money and keeps your budget easy to manage all year long.

👉 If you’re building a fresh budget, rebuilding after a tough year, or just want less friction in YNAB—this one’s for you.

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💬 Drop a comment if you use a different planning method—I’d love to hear it

#YNAB #BudgetPlanning #PersonalFinance