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[quote=Anonymous]I do YNAB regularly and this is the third year I am doing a no/low spend January. I put my dining out, clothes, entertainment, health/wellness/beauty, and household/misc. funding in a "no spend January" holding category, and I'm adding the high yield savings interest and CC cash back points I get this month in there too. Honestly at this point in using YNAB, this isn't a huge change for me, but I'm trying to make a real effort to eat through my freezer and pantry this month. [/quote]
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