u/One-Sympathy-6447

do you have one month ahead in your availble money or in high interest savings (like stock)

i use ynab for quite some time now - about 6 months of actually using it as intented (kind of) - but i notice that a lot of my over spending categories are unexpected payments for 2-3 months of payments in a single month then i wont have to pay for it the next 2 -3 months until it go back to montly payments. should i cover it from EF? (btw i am 21 yr so my ef is about 1/4 of my paycheck).

i natuarly gravitet towards paying it from next months assignment (that way i am assigning the money of august in july based on my consistent montly paycheck).

can you use update phone rom wirhout loosing data and can you back up data regardless?

i remember i rooted my device about 5 years ago and i unrooted it because every time i wanted to update id have to loose files and it would be a complicated process