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\usepackage[normalem]{ulem}     % For underlining links
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% Document Info
\author{Peter Fife (pfife)}
\pdfinfo{
  /Title (ynab-you-need-a-budget.pdf)
  /Creator (Cheatography)
  /Author (Peter Fife (pfife))
  /Subject (YNAB (You Need a Budget) Cheat Sheet)
}

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% Header and Footer
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\fancyhead[L]{
\noindent
\begin{multicols}{3}
\begin{tabulary}{5.8cm}{C}
    \SetRowColor{DarkBackground}
    \vspace{-7pt}
    {\parbox{\dimexpr\textwidth-2\fboxsep\relax}{\noindent
        \hspace*{-6pt}\includegraphics[width=5.8cm]{/web/www.cheatography.com/public/images/cheatography_logo.pdf}}
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\columnbreak
\begin{tabulary}{11cm}{L}
    \vspace{-2pt}\large{\bf{\textcolor{DarkBackground}{\textrm{YNAB (You Need a Budget) Cheat Sheet}}}} \\
    \normalsize{by \textcolor{DarkBackground}{Peter Fife (pfife)} via \textcolor{DarkBackground}{\uline{cheatography.com/66301/cs/44940/}}}
\end{tabulary}
\end{multicols}}

\fancyfoot[L]{ \footnotesize
\noindent
\begin{multicols}{3}
\begin{tabulary}{5.8cm}{LL}
  \SetRowColor{FootBackground}
  \mymulticolumn{2}{p{5.377cm}}{\bf\textcolor{white}{Cheatographer}}  \\
  \vspace{-2pt}Peter Fife (pfife) \\
  \uline{cheatography.com/pfife} \\
  \end{tabulary}
\vfill
\columnbreak
\begin{tabulary}{5.8cm}{L}
  \SetRowColor{FootBackground}
  \mymulticolumn{1}{p{5.377cm}}{\bf\textcolor{white}{Cheat Sheet}}  \\
   \vspace{-2pt}Published 11th November, 2024.\\
   Updated 11th November, 2024.\\
   Page {\thepage} of \pageref{LastPage}.
\end{tabulary}
\vfill
\columnbreak
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  \mymulticolumn{1}{p{5.377cm}}{\bf\textcolor{white}{Sponsor}}  \\
  \SetRowColor{white}
  \vspace{-5pt}
  %\includegraphics[width=48px,height=48px]{dave.jpeg}
  Measure your website readability!\\
  www.readability-score.com
\end{tabulary}
\end{multicols}}




\begin{document}
\raggedright
\raggedcolumns

% Set font size to small. Switch to any value
% from this page to resize cheat sheet text:
% www.emerson.emory.edu/services/latex/latex_169.html
\footnotesize % Small font.

\begin{multicols*}{3}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{The Four Rules}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{\{\{fa-money\}\} Give Every Dollar A job} \tn 
\mymulticolumn{1}{x{5.377cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}Every dollar needs a purpose \{\{fa-minus\}\} Don't leave money unassigned} \tn 
% Row Count 3 (+ 3)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{\{\{fa-money\}\} Embrace True Expenses} \tn 
\mymulticolumn{1}{x{5.377cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}Plan for irregular expenses \{\{fa-minus\}\} Break large expenses into monthly amounts \{\{fa-minus\}\} Set target dates for future expenses} \tn 
% Row Count 7 (+ 4)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{\{\{fa-money\}\} Roll with the Punches} \tn 
\mymulticolumn{1}{x{5.377cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}Move money between categories \{\{fa-minus\}\}No guilt in reallocating} \tn 
% Row Count 10 (+ 3)
% Row 3
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{\{\{fa-money\}\} Age of Your Money} \tn 
\mymulticolumn{1}{x{5.377cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}Work toward 30-day buffer \{\{fa-minus\}\} Break paycheck-to-paycheck cycle} \tn 
% Row Count 13 (+ 3)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{See \{\{link="https://www.ynab.com/guide/the-ultimate-get-started-guide"\}\}YNAB's Ultimate Get Started Guide\{\{/link\}\} \seqsplit{(https://www.ynab.com/guide/the-ultimate-get-started-guide)}}  \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Targets}}  \tn
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{{\bf{Weekly}}, {\bf{Monthly}}, {\bf{Yearly}} \& {\bf{Custom}} \newline % Row Count 1 (+ 1)
{\bf{Set aside another...}}:  \newline % Row Count 2 (+ 1)
Adds fresh money regardless of rollover amount \newline % Row Count 3 (+ 1)
{\bf{Refill up to...}}:  \newline % Row Count 4 (+ 1)
Assigns enough to fill the category up to the target amount \newline % Row Count 6 (+ 2)
{\emph{Set aside...}}: Save specific amount by date \newline % Row Count 7 (+ 1)
Example: \$300 every 6 months car insurance \newline % Row Count 8 (+ 1)
{\emph{Have a balance of...}}: Build to amount \newline % Row Count 9 (+ 1)
Example: \$10,000 for house down payment% Row Count 10 (+ 1)
} \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{See \{\{link="Https://https://support.ynab.com/en\_us/getting-started-with-targets-ryAEP08xC"\}\}YNAB Getting Started with Targets\{\{/link\}\} \seqsplit{(https://support.ynab.com/en\_us/getting-started-with-targets-ryAEP08xC)}}  \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Credit Cards}}  \tn
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{To understand how to work with Credit Cards best to read/watch their help documentation. See \{\{link="https://support.ynab.com/en\_us/handling-credit-cards-overview-ry7cNub1s"\}\}Handling Credit Cards in YNAB: An Overview\{\{/link\}\}.% Row Count 5 (+ 5)
} \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Budget Setup}}  \tn
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{{\bf{Create Category Groups}} \newline % Row Count 1 (+ 1)
\{\{fa-square\}\}Fixed Monthly Expenses \newline % Row Count 2 (+ 1)
\{\{fa-square\}\}True Expenses (irregular) \newline % Row Count 3 (+ 1)
\{\{fa-square\}\}Quality of Life Goals \newline % Row Count 4 (+ 1)
\{\{fa-square\}\}Emergency Fund \newline % Row Count 5 (+ 1)
{\bf{Set Up Targets}} \newline % Row Count 6 (+ 1)
\{\{fa-circle\}\}Add due dates \newline % Row Count 7 (+ 1)
\{\{fa-circle\}\}Include target amounts \newline % Row Count 8 (+ 1)
\{\{fa-circle\}\}Choose appropriate target type \newline % Row Count 9 (+ 1)
{\bf{Daily Management}} \newline % Row Count 10 (+ 1)
\{\{fa-star\}\}Enter Transaction immediately \newline % Row Count 11 (+ 1)
\{\{fa-star\}\}Reconcile accounts weekly \newline % Row Count 12 (+ 1)
\{\{fa-star\}\}Use scheduled transactions \newline % Row Count 13 (+ 1)
{\bf{Pro Tips}} \newline % Row Count 14 (+ 1)
\{\{fa-thumbs-up\}\}Use emojis for categories \{\{fa-smile-o\}\}\{\{fa-money\}\}\{\{fa-bank\}\} \newline % Row Count 16 (+ 2)
\{\{fa-thumbs-up\}\}Add notes to transactions \newline % Row Count 17 (+ 1)
\{\{fa-thumbs-up\}\}Get age of money to 30 days% Row Count 18 (+ 1)
} \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{{\bf{Additional Notes:}} \newline Dates matter for targeting, Categories can be hidden, Link accounts for auto-import, Mobile app for real-time tracking}  \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{{\bf{Budget Templates}}}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{\{\{fa-square\}\} Set up recurring expenses} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{\{\{fa-square\}\} Define Target amounts} \tn 
% Row Count 2 (+ 1)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{\{\{fa-square\}\} Add due dates} \tn 
% Row Count 3 (+ 1)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{{\bf{Category Templates}} ~ \newline Feel stuck trying to figure out where to start? Try one of \{\{link="https://support.ynab.com/category-templates-HknjS\_RA"\}\}YNAB's templates.\{\{/link\}\} ~ \newline (https://support.ynab.com/category-templates-HknjS\_RA)}  \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Common Mistakes to Avoid}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Budgeting money you don't have} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Ignoring credit overspending} \tn 
% Row Count 2 (+ 1)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Skipping reconciliation} \tn 
% Row Count 3 (+ 1)
% Row 3
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Not updating targets} \tn 
% Row Count 4 (+ 1)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Category Groups}}  \tn
\SetRowColor{LightBackground}
\mymulticolumn{1}{p{5.377cm}}{\vspace{1px}\centerline{\includegraphics[width=5.1cm]{/web/www.cheatography.com/public/uploads/pfife_1731197750_YNAB Category Groups.png}}} \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Category Colors}}  \tn
\SetRowColor{LightBackground}
\mymulticolumn{1}{p{5.377cm}}{\vspace{1px}\centerline{\includegraphics[width=5.1cm]{/web/www.cheatography.com/public/uploads/pfife_1731199839_Screenshot 2024-11-09 at 4.50.01 PM.png}}} \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{Color Meaning}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{\{\{fa-money\}\} Green} \tn 
\mymulticolumn{1}{x{5.377cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}Fully funded category - Met target goal - Ready for spending} \tn 
% Row Count 3 (+ 3)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{\{\{fa-money\}\} Yellow} \tn 
\mymulticolumn{1}{x{5.377cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}Underfunded category - Needs more money - Target not met} \tn 
% Row Count 6 (+ 3)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{\{\{fa-money\}\} Red} \tn 
\mymulticolumn{1}{x{5.377cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}Overspent category - negative balance - Needs immediate attention} \tn 
% Row Count 9 (+ 3)
% Row 3
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{\{\{fa-money\}\} Gray} \tn 
\mymulticolumn{1}{x{5.377cm}}{\hspace*{6 px}\rule{2px}{6px}\hspace*{6 px}No target set - No spending activity - Optional funding} \tn 
% Row Count 12 (+ 3)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{See \{\{link="https://support.ynab.com/en\_us/colors-and-icons-in-your-budget-an-overview-HJQv\_XHko"\}\}YNAB Colors and Icons documentation\{\{/link\}\} \seqsplit{~(https://support.ynab.com/en\_us/colors-and-icons-in-your-budget-an-overview-HJQv\_XHko)}}  \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}


% That's all folks
\end{multicols*}

\end{document}