I would happily consider Posteo but the fact that they don’t support custom domains is a deal breaker for me. That said, using an email aliasing service in front of it could be a solution.

If - for any reason - I want to move email providers, I don’t want to change my email everywhere.

They’re trustworthy in that they are good people (source: I used to work there) and that they won’t go out of business anytime soon. They have great customer support. You can trust them in that they are a reputable company.

If your question is more along the lines of “are they extremely focused on privacy?” then I would say no. Afaik, they don’t take any special measures to have your email be encrypted at rest, or support special E2EE features. That said, email is inherently unsafe by design so your best bet is to either use PGP or use a different method of communication, like Signal.

If you’re looking for more than that, then go for more privacy-focused alternatives like Tuta, Proton, Posteo, Mailfence (also in Belgium) or Mailbox.org.

After you have the money in Ready To Assign, did you have an overspent credit card category in the budget? If I try to replicate what you did, I do indeed have the money in Ready to Assign but I also have an overspent credit card category, and the fix would be to assign the RTA money to that credit card because you sent more to the credit card than you had set aside for the payment. If that’s the issue, see https://support.ynab.com/en_us/when-your-credit-card-payment-category-is-red-a-guide-SJDSr3Q1i

That said, I usually don’t have to do this so perhaps the reason is that you had some credit card payments that weren’t budgeted for (maybe you only started with YNAB recently?).

Yeah I mentioned this more or less in another comment but this is currently my preferred approach as well 👍

Yeah on the one hand, you want the fine-grained detail of separate categories for everything but then again, a general vacation category saves me a lot of headache.

I’ve seen people use the Wish Farm approach and first tag the transactions (e.g. #2023-sydney) using the memo field, and then delete the category which will prompt YNAB to reassign the transactions and remaining money to another category. So a specific trip could go to “travel”, something for the house could go into “home improvement”, a new drawing table could go into “hobbies”, etc.

Fair point, it’s definitely the easiest approach.

One reason is the way that hidden categories are just sort of lumped together in reports, which makes it harder to see how you have spent your money. This is why I’m currently considering an approach where you delete the temp category after you’re done, and move the money to another general category, so you don’t lose that info.