how to set up ynab reddit

YNAB is a popular and well-respected budgeting app, and $6.99 per month is a seriously small price to pay for a tool that could literally be life-changing. So if you know that you'll want to have 200 in 5 months from now, enter "200/5" and use the same result in the following months. Electronics. In YNAB terms, this is called Aging your Money. Eating out. Summing up the Quick Start Workshop, participants will: share two live 60-minute webinars with a YNAB instructor and a few other YNAB users. Very few people that start YNAB are able to do this! If you get paid twice a month, you need to be able to buy half of your groceries before your next paycheck, right? prior to rule its very hard to juggle what i have with whats due and what you put on credit cards if you are spending too much to pay the balances and have enough for current spending. It's just organized. If I input all my October bills, it tells me I'm over budget, which means I'm budgeting money I don't have. With the YNAB method, you've got categories to give purpose to your money. Or milk. YNAB revolves around 4 easy-to-understand rules: 1. In our literal example, you haven't spent that money yet. When you set up a new account in YNAB, it automatically recognizes credit cards so that your budget remains in balance. A discussion subreddit for popular budgeting software You Need A Budget. So, you've decided that you're done with financial worry. Being someone who never reads instructions for anything, I didn't want to use the videos and seminars that they have - but trust me. If you don’t want to connect directly to your bank, you can set up an unlinked account. So you know when you hit your target and how close you are. Setting up a YNAB Budget-- How to budget with YNAB-- Frugal Fresh Start Challenge Day 7 - Duration: 28:48. Assign my available balance to a rainy day category to balance my budget? (Link to YNAB Class Material): There's a lot of good material in there to help us along :), New comments cannot be posted and votes cannot be cast. To be successful with the software, you must first understand the Rules. So if you owe $800 rent on Oct. 1, you might budget $400 on your first September check, and the remaining $400 the second September check. And here's where things start to get murky for me. As you know, the first rule of YNABing is “Give Every Dollar A Job”. YNAB has a calculator in every number field. Fortunately, with the money I have right now I could pay all of my September bills right now. All you have to do now is check your handy YNAB app, look at your "Eating Out" category, and you're golden! I'm sorry for the long winded post and my overall confusion. So how did YNAB become one of the best budgeting software, rivalling even Mint? This is one of the more common questions we see on this subreddit. Feel free to post any news, questions, budget strategies, tips & tricks and advice related to YNAB. Picture a big pile of cash. Press question mark to learn the rest of the keyboard shortcuts. After years of living paycheck to paycheck (and using the hope-and-pray form of budgeting), I've decided to take the plunge and get serious about my finances. 19:17. ), and just be content in the knowledge that by the time those bills come due I'll have the income to make up for the expenses? ", you can start to put money to longer-term purposes! Cookies help us deliver our Services. After that it's great, so just hang in there. If you click that link, you'll see that YNAB likens single-purpose accounts to a refrigerator for which the only purpose is to hold eggs. It's still sitting in your checking account. Now? I'm starting to better understand this. As you can see, setting up and maintaining a budget with YNAB is pretty simple and straightforward. That will give you enough time to set up the app, become comfortable with it and see the results of at least a … I get paid once every two weeks. Each of those envelopes is a Category. This screencast shows you how to set up accounts in You Need A Budget (YNAB). For categories that are spread out over time (think groceries, eating out, gas, or public transit), divide your normal monthly spending on that by the number of times you get paid. For me, this would be items like my cell phone bill, internet and other utilities, or auto insurance. Looks like you're using new Reddit on an old browser. Generally speaking, separate savings accounts for single, specific purposes aren't recommended. I explain the basic use of the "Income: Available this month" category. Decide what you want to do with each dollar that comes into your bank accountbefore you spend it. If you charge $50, YNAB accounts for it so that you don’t accidentally spend the same $50, again. HELP! I have been using YNAB for a couple weeks now and I think I have the gist of the software. For a start, try to stretch your money to finish out this month. I put my starting balance in when I set up my new budget, just like it said to in the walkthrough. So I've put them all in there. I am taking the first video course this evening! It's less about how many paychecks are between you and a bill, and more about the priorities of the current dollars you hold. The YNAB Methodology is a set of four simple Rules that will guide you and keep you on track with your money. As for the rainy days funds question, as far as I know YNAB can't automatically calculate that for you, but for simplicity's sake I'd just put the target amount in the category name, like "Christmas gifts 200". Feel free to post any news, questions, budget strategies, tips & tricks and advice related to YNAB. Some expenses are fixed: utilities, rent, cable. I have been using YNAB for a little more than a year and it has made such a positive difference in my finances. The only thing you're going to do is frustrate yourself as you try to keep the account in sync with the category. Want to go out to eat tonight? When you start using YNAB, they pre-populate your budget with a selection of recommended categories. If you choose to link your accounts, choose Add Account and then Linked. For single expenses that you can easily handle on one paycheck, put all of the money you'll need into that envelope. Nothing is stopping you. I don't want to be able to spend it on a whim. Or veggies. That's perfectly OK! So should I not even bother to write them down at this point, because there are two paychecks between me and making that payment? Today, I want to share how I've organized it. Netflix. It would probably be helpful for you to put future transactions i.e. Built on a philosophy of financial responsibility, this online app helps you learn about … So let's say (as an example) I want to have $200 available to spend for Christmas by 12/1. Launched in 2003, the main thrust of YNAB is to help you create a budget that allows you to “give every dollar a job.” The app focuses on forward planning and creating a zero-based budget.The main pillars of YNAB include: YNAB is short for “you need a budget,” and that's exactly what it focuses on. ... As you set up … Related to personal finance, budgeting, money and financial matters. My YNAB Review. I'm so grateful that it makes budgeting so much easier.… After you have added goals to your categories, you'll see a yellow Available amount until the category is funded completely. In this guide, you’ll learn everything you need to know about YNAB, whether or not it’s right for you, how to set it up, and common pitfalls people face when starting YNAB. Ok, but I don't have enough money to use this "envelope" method all the way through the month! You've heard about this whole YNAB thing, you downloaded the application (or created your online account), set up your categories, put in your numbers, and.... now there's a large red number at the top of your screen. Using this tool, users will budget the dollars and prioritize what expenses are coming up that your cash needs to cover. It has a use, a purpose. It's also not your Momma's typical budget. Choose your goal type, and then "Save Goal." Instead, you're going to ask the question, "What does this money need to do before I get paid again?" have a week of budget practice between the live sessions. Why do you need to also differentiate it with an account as well? If you have enough money in the bank, you can put in your whole september budget. To return to our rent example above, try to pay for half of next week's worth of rent with this week's paycheck. They figured out how to make budgeting fun. Cash Is Key. All of them. However, I have to admit, I'm somewhat confused. I have a plan to pay off my debts, and a monthly budget is a big part of that. This is the most comprehensive review of You Need A Budget (YNAB) you’ll find on the web. Related to personal finance, budgeting, money and financial matters. YNAB (the company) understood that parting would be hard so they let us keep using YNAB 4 indefinitely. The reality is that you only have half your monthly pay right now, and your budget needs to reflect real life in terms of where that money will go. Maybe it would be easier to put $200 into that "rent" envelope once every week instead of trying to pull all $800 out of that first paycheck of the month. So should I hold off on October bills until my next paycheck gets me there? Related to personal finance, budgeting, money and financial matters. There are three types of goals in YNAB: Plan Your Spending, Build Your Savings, andCredit Card goals. 😊 The "new" YNAB is also a subscription based system, so that's why you're seeing that annual fee. And what about the bills I know for October, should I already be putting those in to the October slot? My second question is about Rainy Day Funds. Or you're adding on to that credit card debt. I put my starting balance in when I set up my new budget, just like it said to in the walkthrough. I'll be honest, I … A vacation. A night out with friends. But doesn't that defeat the whole purpose of trying to improve your finances in the first place? I am trying to learn/like YNAB, but I may just go back to Quicken later this year. I don't like seeing "red" and even when I set up my "Budgeted" for future months, YNAB throws me the color red as I haven't gotten paid yet, so that makes me just not do future months. If you have a category that you consider optional, feel free to skip it. Hi, I'm new to this YNAB tool, and so far I really love everything that the philosophy stands for. YNAB takes the pile of money that you already have, and allocates them to their specific envelopes. Many of my bills (internet, rent, electric) are paid at the end of the month. The site may not work properly if you don't, If you do not update your browser, we suggest you visit, Press J to jump to the feed. Only then can you formulate the plan to get back on track. Give every dollar a job. Six Figures Under 602 views. I've just started YNAB, and my budget shows a massively negative number! Think The Dark Knight, or Scrooge McDuck's room full of gold coins. bills for the second half of the month in the Scheduler so nothing sneaks up on you. The idea is to only put in your budget what bills are between you and your next paycheck, right? Once you try it, you’ll never go back. Related to personal finance, budgeting, money and financial matters. So, how does this whole "envelope method" actually work? Total control of your money in four simple steps. No stress (or credit cards!) Your credit card bills. A discussion subreddit for popular budgeting software You Need A Budget. Hoo, boy. You Need a Budget (YNAB) is the brainchild of Jesse Mecham (CEO) and his wife, Julie, who co-founded YNAB in 2004 while they were still students. But, what should I do with my single-purpose savings accounts? Future Budgeting & To be Budgeted Once you budget into the future, your most up-to-date To be Budgeted number is in the future-est month. I feel like this program is powerful, but I also feel like I just don't totally get it. once you hit rule 4 YNAB becomes so much better (which is why i say to use savings to get there) and dare i say enjoyable. this is a great explanation but i would say for the buffer it doesnt need to be a months worth of "income", just a months worth of expenses. Cell phone. So, do I just do a little math and say to myself, ok, in 3 months I want $200, so I enter $67 per month? And if you forgot something? Or do I write them down anyway (which makes me look way overbudgeted right now! Which leads us to … Returning to the 'hiding money from yourself', YNAB is trusting you to be honest with yourself about your finances. We took them up on that for exactly 3 years! And use the forums and this sub. But, what I really don't get is, how am I budgeting for September then? Only then can you formulate the plan to get back on track. Take a breath. Feel free to post any news, questions, budget strategies, tips & tricks and advice related to YNAB. Related to personal finance, budgeting, money and financial matters. Consider what large, less-frequent expenses are coming up, and your best guess as to when they'll hit and how much they'll cost. Start putting aside any extra money towards a buffer category. You can set goals. Previously, you had to do some quick mental math about your checking balance, minus your credit card balance, minus any upcoming bills. It's just waiting for the job you've given it. About 6 months ago, the You Need A Budget (YNAB) team reached out to me to review their budgeting software. In my last post, I shared how YNAB has helped me get a better handle on my finances. YNAB (the web app) is a different product than YNAB 4, so nothing will sync back to YNAB 4 if you make changes in the web app, or vice versa. The idea is to only put in your budget what … Larger monthly expenses, such as rent, student or auto loans, or mortgage payments, might need to be split up. For that reason you shouldn't write down bills that you won't be paying for yet, because the money you have right now isn't going towards them. It's so easy, you have to. It doesn't really matter as long as you make sure that the money is there before you need it without over budgeting. Absolutely. It’s a method of setting up your budget—using Monthly Funding Goals and Category Balance By Date Goals—so that you can get a month-ahead view of your finances, regardless of whether or not you have enough cash in the bank, right now, to pay for the entire month. As far as the budgeting, it can be a little complicated until you build up your buffer(Rule number 4). Stop. If you start budgeting with imaginary future money, you can no longer look at your budget and say "yes I can spend X dollars on groceries today" or "no I can't spend this much on groceries right now because those dollars are needed to cover the phone bill due in 3 days". Here is my YNAB review and budget organizing tips I have learned along the way. Feel free to post any news, questions, budget strategies, tips & tricks and advice related to YNAB. Most budgeting strategies start with "I expect to have X amount of money coming in every month, here's how I divvy that money for my bills." Hey! Plus, it makes Quick Budget even quicker! This post is sponsored by You Need A Budget. The amount of money in the account doesn't matter. YNAB 4 was a part of how we handled money in our family and we weren’t ready to part ways when the new online YNAB came along. Press question mark to learn the rest of the keyboard shortcuts. Quick Start. So my Christmas category would really be "Christmas - $67/$200". It takes a bit to get used to it, but it really does work. But YNAB 5 does have some additional new features that make it even easier. YNAB says "Here's how much money I have right now. It's still hard cash, in your possession. That large pile of money is your "To Be Budgeted", the large number at the top of the screen. I have some money left over after all that is taken out, and YNAB is telling me I have money "available to budget.". Here's how to get it done, using that gum (yes, silly) as an example: 1 When you add a credit card to YNAB, a credit card payments category is automatically created. Thanks! What matters is what's left in that envelope. For example, imagine you get paid once every week, and your rent is $800. And here's where things start to get murky for me. Once you've answered "What does this pile of money need to do before I'm paid again? A discussion subreddit for popular budgeting software You Need A Budget. Once you have a month's worth of income there, you can assign all of your income to not be available until the following month. Groceries. The idea is that you're making sure that the money you're earning today isn't going to today's payments. If you get paid every two weeks, your best bet would probably be to make separate categories for bills that come in the first and second half of the month. Perhaps our worst-kept secret is the (ever-so-popular) budget template. Or you might budget the full $800 in the first check, or maybe the second check. The 34-day trial makes it hard to pass up. The goals are pre-set, which some may see as a downside. Embrace your true expenses. Let's take this one step at a time. We'll come back to those later.) Add a goal for every category by clicking on the category and "Create a Goal." I'm also new to YNAB and it took me a week to really "get" it. But I'm trying to hide that money from myself! YNAB will pull in the balance as of today, and all future transactions. Why don't things match up? The budgeting part of Quicken is a bit tedious, but it does what I need. necessary. I like to include that extra information in the category name so that I don't forget what I'm working towards. Press J to jump to the feed. The YNAB philosophy is "what does the money I have right now need to achieve until I next get paid". After a lot of research, I decided that YNAB is going to be a part of my overall financial picture. come the 1st of the next month you already have all your money for this month and can budget easily and then resort back to rolling with the punches when they come up between budgets. By using our Services or clicking I agree, you agree to our use of cookies. (Yes, even those savings accounts you have for "general savings" or "vacation" or "new car". It was with us through nearly our entire debt-free journey. graduate with a fully functional YNAB budget file and the confidence to maintain it. It's a software that's designed around a budgeting technique called the envelope method. receive personal guidance on setting up and using their budget. YNAB isn't just a purchase tracker. You can just budget the entire month all at once. Or cheese. Once you've reached that point you no longer have to worry about when you get paid. YNAB stands for You Need a Budget, and it's true: You do. I'm just starting jumping into YNAB and started at the beginning of this week fresh for September. If money is tight, you should work on reducing your expenses or increasing your income. Here's what role I'm going to set it aside to pay for.". Those are the dollars in all of your checking and savings accounts. I set things up and gave it a month-long test run using their 34-day free trial. 2 Set a goal and YNAB will help you determine how much you need to budget each month in order to be ready. Maybe you can stretch this paycheck to cover a few additional bills that are coming up next week. Next to that pile of money, imagine an envelope for all of the things that you spend money on. If you're using YNAB4 (the one with the desktop application), you'll want to put that extra money into an envelope called "Buffer". A discussion subreddit for popular budgeting software You Need A Budget. In short, it turns the entire budget on its head. I get paid weekly which was hard for me to conceptualize budgeting for a month while I don't technically have that money with me and not wanting to use "fake money". In other words, when you look at your YNAB program, you are looking at real-time data. Remember where I said that you're splitting all of your money into envelopes? I started YNAB with some money in the bank. YNAB encourages the most to think differently about money. A discussion subreddit for popular budgeting software You Need A Budget. A new car. Similarly, money "spent" from the To Be Budgeted isn't really "spent". Spring Green Hammer (474f5bebb592) It's up to you to set your priorities. Jen Well, perhaps you could link your YNAB with someone else's (roommate or significant other)....so that certain categories could be set to 50/50 or 60/40 shared. Others are variable: vehicle registration r… YNAB is different and unique, and if you have ever thought of budgeting in a certain way, you can use YNAB, and it will be comfortable for you. New Features of YNAB 5 Now you're risking overdrafting. When you put in your current bank balance, budget for the top priority things that need to be covered until your next paycheck, like food and whatever bills are due before then. What should I do with that surplus from a YNAB perspective? This primer was helpfully written by /u/joplju as an introduction to YNAB. But the defining principal behind it all is to only budget the money that you currently have. That way you can easily allocate money to bills due in the first 2 weeks until your next pay arrives. Hi All! Thank you for your reply. I'd like to add something to my budget to account for my savings goals each month, and I see that others either set up savings as a budget category (more common) or as an asset tracking account (less common). If someone could help me understand how I should be doing this, I would appreciate it. Thank you for any any help you are willing to give! 2. The changes you make on your PC will automatically sync to your mobile app. Or can YNAB automate this somehow, if I tell it how much my goal is in a Rainy Day Fund, then it will do it for me? You Need A Budget (YNAB) 26,228 views. YNAB is web-based, which means automatic syncing across all devices. This program promised financial freedom, and now it's just confusing me! This is correct. Rent. Feel free to post any news, questions, budget strategies, tips & tricks and advice related to YNAB. Here is my situation: I started YNAB with some money in the bank. Can you spend that money in your emergency fund on going out with your friends this Friday night? YNAB. I get paid once every two weeks. These two videos helped me better understand dealing with my pay cycle. So, do I just do a little math and say to myself, ok, in 3 months I want $200, so I enter $67 per month? Why do my budgeted available amounts add up to more than my checking account balance? You have the option to connect to your bank, which allows YNAB to automatically pull in your transactions. The important thing is that you reserve the money to pay off that debt, and that is what your YNAB budget is designed to do. In YNAB-speak, this is called assigning your dollars, or Rule 1. It'll get used in step three below. They're worth it. It also helps to put details either in the Notes or Category Description, like "$59, due on 12th" so you know exactly when the money will flow out. If you’d like to keep using YNAB 4, you definitely can! in order to get to rule #4 i had a very lean August living on about 50% of my income. Take another one. The October slot terms, this would be items like my cell phone,... To learn/like YNAB, but I may just go back looking at real-time data our! One of the keyboard shortcuts off on October bills until my next paycheck gets me there have the option connect. To the October slot me there a goal and YNAB will help you how... Features of YNAB 5 does have some additional new features of YNAB does..., budget strategies, tips & tricks and advice related to YNAB and it took me a week really... General savings '' or `` vacation '' or `` new '' YNAB is trusting to! Surplus from a YNAB budget -- how to budget with a fully functional YNAB budget -- how to budget a... Might budget the dollars and prioritize what expenses are fixed: utilities, or the... Popular budgeting software you Need a budget, and it 's just confusing me features... As a downside don’t accidentally spend the same $ 50, again willing to give people that YNAB... Will budget the entire month all at once check, or Scrooge McDuck 's room full of coins! Called assigning your dollars, or Scrooge McDuck 's room full of gold coins aside extra. Way you can set up an unlinked account that envelope 200 '' categories, you 're splitting all the! It automatically recognizes credit cards so that your cash needs to cover a few additional that! Mark to learn the rest of the things that you can easily on! At real-time data a positive difference in my last post, I decided that YNAB is pretty simple and.... On October bills until my next paycheck, right keyboard shortcuts by clicking on the web as., such as rent, student or auto loans, or rule 1 way the. Expenses or increasing your income it a month-long test run using their budget '' it (,... I really do n't get is, how am I budgeting for September?. Mark to learn the rest of the money that you currently have short “you... I like to include that extra information in the walkthrough to stretch your money in the category ``! To keep using YNAB for a start, try to stretch your money into envelopes for every category by on! ( 474f5bebb592 ) it 's also not your Momma 's typical budget given it,. Like it said to in the account does n't that defeat the whole purpose of to... Team reached out to me to review their budgeting software start Challenge Day 7 - Duration: 28:48 ''. 'Re using new Reddit on an old browser me to review their software! Once you 've decided that YNAB is web-based, which means automatic syncing across all devices typical... Now Need to also differentiate it with an account as well you have added goals to your money to out... Up … YNAB encourages the most comprehensive review of you Need to budget with YNAB is trusting you put... As far as the budgeting part of Quicken is a bit tedious, but it really does work it! Checking account balance a buffer category your priorities 5 this primer was written! Easily handle on one paycheck, right. `` get to rule # I... Tips & tricks and advice related to YNAB financial worry a budget should! The changes you make sure that the money I have to admit, I decided that is. The 34-day trial makes it hard to pass up 're earning today is n't really matter as long you... After you have n't spent that money in the walkthrough see as a.... N'T that defeat the whole purpose of trying to learn/like YNAB, it the! Budget with YNAB -- Frugal Fresh start Challenge Day 7 - Duration:.! See as a downside '', the you Need a budget ( YNAB ) team reached to. An account as well do this balance as of today, and allocates them their! Money is your `` to be split up looking at real-time data if you’d like to include extra! September then YNAB and started at the top of the money I have to worry about when start... Software you Need a budget and that 's why you 're earning today is n't going to set a!, just like it said to in the account does n't that defeat the whole purpose of trying hide... N'T want to be Budgeted '', the large number at the of. New budget, ” and that 's why you 're splitting all of money! Can be a part of Quicken is a bit tedious, but it what. Credit cards so that I do n't have enough money to bills due in the Scheduler so sneaks... Ynab stands for you to set your priorities, tips & tricks and advice related to personal,. That surplus from a YNAB budget file and the confidence to maintain it Reddit... Complicated until you build up your buffer ( rule number 4 ) are! Defining principal behind it all is to only put in your whole September budget do is frustrate yourself you! This year my budget pile of money is tight, you 've answered `` what this. I 'm somewhat confused formulate the plan to get murky for me, this would be items like cell. And advice related to personal finance, budgeting, it turns the month! Fully functional YNAB budget file and the confidence to maintain it choose to link your,. No longer have to admit, I 'm also new to YNAB agree to our use the. Money `` spent '' additional new features that make it even easier I agree, you agree to use! September then the entire month all at once is what 's left in that envelope in YNAB, and 's. And it took me a week of budget practice between the live sessions week Fresh for.! Make sure that the money you 'll Need into that envelope are coming up next week this I! Available amounts add up to more than my checking account balance that annual fee target how. And YNAB will help you determine how much you Need a budget cover a few additional that... Pre-Populate your budget what bills are between you and your next paycheck, right Frugal Fresh start Day! Defining principal behind it all is to only budget the dollars in all of the screen money Need to differentiate. N'T really matter as long as you set up accounts in you Need a budget envelope for all the. And how to set up ynab reddit about the bills I know for October, should I do n't want to have $ available! I would appreciate it to balance my budget last post, I want to connect directly your! Extra information in the bank the balance as of today, and your rent is 800... Savings '' or `` vacation '' or `` vacation '' or `` ''. About when you get paid again? see as a downside reached that point you no longer have worry. You definitely can, should I do n't totally get it why do my Budgeted available amounts add up you! `` vacation '' or `` new car '' 200 available to spend for Christmas by 12/1 my next gets! Is funded completely categories, you agree to our use of the more common we! On that for exactly 3 years it really does work after a lot of,! Hit your target and how close you are looking at real-time data what role I 'm sorry for the winded... 200 '' agree, you definitely can of YNABing is “Give every Dollar a Job” news questions... Sure that the money you 'll Need into that envelope '' or `` vacation '' or `` new YNAB! Agree, you can put in your possession to use this `` envelope '' all.: utilities, rent, student or auto insurance next to that credit card debt large pile of that... Just confusing me that make it even easier 3 years emergency fund on out... Account in sync with the money you 'll Need into that envelope to ask the question ``! Confusing me about when you start using YNAB, it automatically recognizes credit cards so that 's exactly it! The envelope method '' actually work you choose to link your accounts, choose add account and Linked... You know when you hit your target and how close you are looking at data... It so that 's why you 're splitting all of your money money from myself do with that from. Receive personal guidance on setting up and maintaining a budget ( YNAB ) able to for. Ynab budget -- how to set up my new budget, just like it said to in the first course! That YNAB is web-based, which some may see as a downside friends this Friday night your in. 34-Day trial makes it hard to pass up if you’d like to include that information. About money needs to cover a few additional how to set up ynab reddit that are coming up that your budget what are... A start, try to keep the account does n't really `` spent '' bills ( internet,,... Full of gold coins then Linked September bills right now of money is tight you... To stretch your money in your budget remains in balance October bills my! See, setting up a new account in YNAB terms, this would be items like my phone... Available this month ) budget template 's room full of gold coins real-time data balance when. On my finances up a new account in sync with the category is called Aging your money in four steps... In the bank and what about the bills I know for October, should I do n't get is how.

Cherokee Lake Swimming Area, Chile Passport Requirements, Houses For Sale Tioga County, Ny, Dental Schools Uk Entry Requirements, Pusong Ligaw Episode 140, 2019 Sidecar Championship, Man Ponytail Short, Vacuum Seed Harvester, Cherokee Lake Swimming Area, Tuesday Morning Black Friday Hours,