A note on the cloud: I did save my YNAB 4 data in a separate budget though so I could reference later if needed. then when the new month rolls around, i move the money from that category to TBB. Walling off current income to next month was the most crucial of the rules, and they simply erased it from existence. Your email address will not be published. In this situation, YNAB will take money out of the next month’s budget to compensate for the overspending. sync for ynab, YNAB in the Steam summer sale : ynab - reddit Save www.reddit.com. When I had to separate out the interest and fees on my debt, I realized how expensive debt actually was. And, obviously, we know you need a budget. But shortly after, it went downhill. A mail from YNAB team to retry with another trial period got me going from July. I was initially worried that wasn’t going to happen which would’ve rendered the app useless after June 2016. I could carry it over to the next month as a negative balance (my preferred method) or let YNAB automatically bring the category balance to zero (by taking money from what I have available to budget for the next month). So that’s one reason why I’ve decided to upgrade. I was doing great. I’m here because I want an OFFLINE budgeting software. Share 6. I’m not always timely with expense reports so the lag is important. If you have enough set aside in an emergency fund and live on last month’s salary, you’re set. Follow us for budgeting ideas & support. All the missing features from the initial launch have been added. While nYNAB is newer, it’s in no way better. A discussion subreddit for popular budgeting software You Need A Budget. One more thing I noticed:  |  It involves creating an off-budget tracking account and transferring any reimbursable expenses to it. The good news is all those features have been added. that was something i learned after i recorded that video. Once you understand it’s methodology and how to use the app, you come to appreciate how well built the app is. Secondly, while I don’t mind paying subscription service, $6.99 seems high to me. When we started our YNAB budget, we connected our accounts, added our categories. $50 per annum per user is a NPV cost paid by a lifetime user of over $1000. on I too miss the “live off last month’s income” concept and the ability to put income into the “next month” category. – I don’t want “workarounds”. 194 Comments on The New You Need a Budget (YNAB) vs YNAB 4; Reddit 86. Let’s jump in and see what I like about YNAB compared to YNAB 4. If you have gotten this far, you know you need a budget. i wish they would’ve kept the “live off last month’s paycheck” as an official rule. We have some life goals: to get married, have kids one day, and we want to buy a house. You just click on a category balance and tell it how much money to move where. I’ve got a goal to save $500 for emergency funds and $500 for vacations in the next six months. and a preview of what you might expect: After seeing this list, we wanted to learn more about Kevin’s story (Right?! I wouldn’t touch Mint (for budgeting) with a ten foot pole. To get married, have kids and a house, we need to get out of debt. Try one of our free live workshops. The only thing that would break the app is an incompatible macOS or iOS update which I don’t think will happen with either of the next updates. The rest of your dollars should be either given jobs or invested once you reach this point. ;). Making sure everything under the hood is in order. Use YNAB 4! Spending from categories and transferring to pay is a simple enough concept. so there’s no real way to forecast further then that. The point is that you are indeed incurring liabilities, however temporarily, so depending on your situation you may actually want to make sure you have funds available to cover the activity. You can read my review of YNAB4 and EveryDollar to get a better idea of where I feel EveryDollar falls short. You mentioned YNAB 4 is the past. Except all that debt and stress? Budgeting is not restrictive. It annoyingly shoves extra categories at the top in both the apps and the web interface. All the clauses about YNAB working with third parties just doesn’t convince me at this point in time. This was the deal-breaking feature for me because it makes it difficult to track reimbursable expenses. We were both kind of financially reckless, and knew we should probably give it a try. So that gives YNAB 4 a good shot at working through 2018. Once the emergency fund is full, then invest more or take nicer vacations (or whatever you want jobs for your dollars). Here’s the rest of his story: When I turned 21, I had $4,000 in savings. Solution: SAAS (software as a service) and change your algorithm for “success” in personal finance. I was just too stubborn to adapt my existing budgeting process. Pin. I still haven’t found a budgeting app that’s as polished and tailor made for budgeting as YNAB. I tried YNAB last year and gave up as certain features were missing or the way they work had changed. I’m no longer afraid of the mail (bills!!!) I incur these expenses monthly and it can amount to significant inflows and outflows over time (obviously balanced). Before, I was always broke, and knew that if I didn’t have money by a certain date I risked late fees, overdraft charges, and returned payments. so far i haven’t been bit by any inappropriate use of that data. If they’re not going to do it, I wish they’d just say so. I believe YNAB will continue to evolve and add new features YNAB 4 could only dream of. Living on last month’s paycheck. Then I would play a show and make another $100. I also paid off a zero-interest credit card that I had fallen behind on. It removed a lot of manual calculations I used to do in order to figure out how much to save each month. People are naturally resistant to change. I won’t follow. Last Updated on July 12, 2021 Money management is a skill not everyone is gifted with. while not as native as YNAB 4, it’s the same concept. As in, I pay $8.50 a month (annual subscription) for a 5 user Office 365 subscription (that’s with 1TB of online storage for each user, email accounts, web office, and full versions of office). Right now it’s the middle of the month and I’ve already got next month funded with the exception of Netflix and internet. It’s also a pain for recurring scheduled transactions (e.g., salary) since the moving of the funds from “To Be Budgeted” to “budget next month” can’t be done automatically. because I’m allocating funds to pay these monthly expenses. Feel free to post any news, questions, budget strategies, tips & tricks and advice related to YNAB. My initial view when it was introduced was that it was done simply to generate more money for the YNAB company. Related to personal finance, budgeting, money and financial matters. Because YNAB has digged a hudge hole and is going to fall into it. I’m able to delay gratification by setting up categories to fund different aspects of my life (for the most part, I’m no saint). And now YNAB does too! We were both kind of financially reckless, and knew we should probably give it a try. When we started our YNAB budget, we connected our accounts, added our categories. So in it’s current form, YNAB covers all the main bases. Somehow, they’ve managed to make it more important than it should and now it’s even easier to “borrow” on your credit card. I’ve seen several people at later stages in their life struggle. We love hearing stories like Kevin’s! Thanks again! Some of the new features like automatic import, faster reconciliation, ease of moving money, and quick budget options are noticeable improvements from YNAB 4. It’s because I would look at my checking account and see one number. In YNAB 4 you used to have to reconcile each transaction individually. I don’t mind paying for the service – it’s worth it in my opinion – but I want to be able to work offline. I’ve been using the “Income v Expense” report to easily see my income for a given month. In all honesty, the initial release of YNAB would’ve been fine for me. They’ve replaced the concept of “fully buffered” or living on last month’s paycheck with a pointless concept of age-of-money. Yep the same for me … Im currently sticking with ynab4 but seriously thinking about switching to Banktivity despite that it doesn’t do budgeting as well … a one off cost where I know what I am working with without the need to be on line .. and with much better reporting/drill downs etc Annoyances / brokenness I didn’t mention: split transactions, recurring transactions, sorting & transaction entry in the account register, a step back in reports. For example, expenses you plan on being reimbursed for. The Toolkit for YNAB browser extension is also worth checking out. Partly because I believe they’re holding onto the past and not embracing the future. Where have you landed? Agree to the Terms of Service and Privacy Policy to continue. One piece of evidence that this new SAAS, method and interface isn’t doing all that great is the yearly subscription. It will always be short, informative, and at least mildy hilarious. In YNAB 4 you had a couple options. You won’t be spending less, you’ll be spending right. nYNAB misses at least one very important pillar, for me at least. YNAB claims to help you "break the paycheck to paycheck cycle, get out of debt, and save more money". with the week's best budgeting wisdom and inspiration. Here’s a short video of what it looks like. YNAB. Everything fits like a glove (with the exception of carrying over negative balances). Follow YNAB to get support and lots of great ideas on budgeting. it does seem with your workflow, YNAB may not fit your needs compared to YNAB 4. i do hope YNAB 4 continues working for a long time for those that don’t feel YNAB is worth the recurring expense. Your “budget next month” category idea is clever, and I’d love to adopt it, but won’t that break the “Income v Expense” report? Quick budget options like budgeting the average amount spent over the last year in a category. That was really helpful. She and I had been talking about getting a budget for a while. i was also able to add a transaction. Is it time to look for YNAB alternatives? They traded off an additional $10 for a $50 yearly subscription because customers were bailing after 1-2 months on the horrible failure that is nYNAB. I end up using the web app more, because I like all the reports you can see. I now know everything that’s on autopay. thanks for the heads up. It goes down when I incur and back up when I get reimbursed. ). I’m still using YNAB 4. YNAB stands for You Need a Budget, and it's true: You do. I had a month and a half to pay off $456, but I decided just to pay it off now. YNAB Community Forum. The other day I went to the grocery store. I still prefer using a computer for most of my budgeting, but the new app is nice for some things (namely, approving imported transactions and covering overspending quickly after adding a transaction). When you’re starting to budget, don’t get discouraged. January 22, 2021. and in terms of an online solution, the perks of connecting YNAB to my bank accounts outweigh the very low probability that any of my accounts will be hacked. in YNAB, i handle it by creating a category called “budget next month.” all my current month’s income goes into that category. Initially, the fee was $5 monthly or $60 / yr. YNAB is the future. If you upgrade, there is a way to import your YNAB 4 data into YNAB. 35 articles Accounts & Transactions. NO NO NO NO NO NO. Tough call. Personal Budgeting Software for Windows, Mac, iOS and Android But that can be dangerous. You’d think after 2 years they’d have a polished product. It's so easy, you have to. So, we started. I’m still on the fence with this. I’m 30 now, and I’m getting back on track. There are times I don’t have an internet connection but still need to review my budget. Great video on handling reimbursables, by the way. It helps me get out of bad habit spending before I get into it. Brandon hits the nail on the head. I haven’t done this in almost 10 years. I use it for some anticipated future expenses and also to see how much money ends up in a category over a period of time. Was it because they simply weren’t competent enough to hire programmers to replicate YNAB4 as a SaaS product, or did they feel the need to make up “improvements” to justify the upsell? They’ve also added this ability to the mobile apps. So we gave him a call to find out. if people have the surplus cash to do something like that, i think it’s my new recommended approach. i just put my iphone in airplane mode and was able to view my budget from the app. I’m with you Andrew. I agree with all the commenters below who say it’s “very insecure/ bad enough that the banks are online.” Do you not read the news? 2. So does EveryDollar. It’s as easy as clicking Reconcile Account and then Yes if the account balance lines up with what your financial institution says. let’s hope that trend continues. I can still get lobster and shrimp, but that means it’s budgeted for and I have waited until I can afford to splurge without sacrificing something more important. One caveat. In this case, the future is worst than the past. This was probably one of the more common knocks against YNAB 4–it didn’t automatically import transactions from your financial accounts. at least for me, i think $45/year (the lifetime discount for YNAB 4 users) is absolutely worth the cost. Giving every dollar a job, and where to click to get it done. They believe the best days are behind them. So for the diehard YNAB 4 users, the app will continue working for the foreseeable future. – Many people think downloading transactions from your bank is a good thing for budgeting. YNAB doesn’t let you budget beyond the next month, while YNAB 4 allows it. All your income transactions will not be against the special built-in “To Be Budgeted” category but rather your non-special “budget next month” category. This feature provides an annual savings range with a 70% chance of reaching your goals. So paying subscription after subscription for one off applications seems absurd to me. I am going to go check out YNAB4 though. glad you found the review helpful. It was initially a little confusing to understand, but as one commenter said, it made a lot more sense when I went through the steps in my YNAB account. ;) Where other budgeting apps feel like Honda Accords (they get the job done), YNAB feels like a Ferrari (it’s pretty and high-performing). i decided a couple months ago that the method i shared in this post was a little more hassle than i wanted to deal with. Save my name, email, and website in this browser for the next time I comment. I resonate with most of your points. thankfully, i have and it’s an amazing feeling knowing you’re no longer living paycheck to paycheck. There’s no point in having $100k in your checking account if all you really need in an emergency is $45k. it seems a big part of YNAB’s methodology is focusing on the here and now. There are three ways to use them. I agree with just about everything you say here. When they launched their new service they clearly stated they would put out a desktop app in the future. can you recommend any budgeting apps that don’t store data in the cloud? I do not like the idea to provide any 3rd party with my actual bank account logins…, thanks for reading! I know that’s (typically) not good budgeting practice but you’d be surprised how many valid uses there are for it! so it appears (at least with the iphone app) that it has some offline support. The good news is YNAB Classic was updated to support Dropbox’s new API. Therefore, I simply created a reimbursements category and ACTUALLY PUT MONEY IN IT. so i bet that’s why they don’t let you budget too far in advance. Not long ago, we highlighted YNAB’s personal finance app in our blog about budgeting apps. If I have to use a workaround I will end up not using the software and not budgeting, and therefore losing money. A note on getting transaction info direct from my bank,: I kept screwing things up. Our newsletter is a roundup of the week’s best budgeting wisdom and inspiration! If it’s off, the reconciliation process is similar to YNAB 4 and requires some manual work. What are your reasons? just don’t like that it is web based. Cash flow. Official support for YNAB 4 will end October 31, 2019, https://www.alextran.org/wp-content/uploads/2016/02/reimbursements-ynab.mp4, YNAB Classic was updated to support Dropbox’s new API. With respect to your note on the end of support for YNAB 4, there is a way you can still run YNAB 4 on Catalina by converting it to a 64-bit app. I’m no exception. Just a bummer it took longer than expected for search and reports. The problem is, the company needed to stay in business. Let me go back and answer the three questions I posed above in reverse order. First of all – I probably wouldn’t auto-import my transactions anyway – manually entering them has been one of the most eye-opening experiences of my financial problems. So, I looked at what I had in my account and just used that money. Absolutely. 8 articles Budgeting. When you enter all transactions yourself it reinforces you taking personal responsibility for your spending actions and reminds you on every occasion where you are at with your budget. I’m fully aware of what I’m spending, what my debts are, and how bad I’ve screwed up financially. Who cares what the age of your money is beyond what it takes for your pre-determined pad in case it all hits the fan. Aside from adding easier goals, it’s still a very viable product. You can browse forums, give tips, ask questions, and find answers. Just want to add my 2 cents as well: One of their “missing” features that has not been added back yet is a desktop app. Normally there’s a lot of stress involved because I’m constantly strapped for cash. He learned! It will list your “budget next month” category under “Expense” (which is also awkward, but granted, it will add the income correctly for the net income). This is one thing I love about the company. Financial Wisdom Forum Millions and MILLIONS of people’s information exposed by hacks. When I was first doing the budget in YNAB, I had set up a mock budget and I was doing all this forecasting into the future of what I would have and would get paid. So many people were bailing after 1-2 months they decided to lock people in at a yearly rate. I wanted to buy Christmas gifts, go on vacation, pay off debt, and I needed to bring in more income to do that. Here you can create a budget and work on building a fund with three to six months' worth of your expenses to have in case of emergencies. When I first tried the new version in January 2016, there were significant gaps in features that prevented me from switching. It was at that point I realized my expenses were outpacing my income, and I would just keep going deeper in debt if I kept it up. Note: If you sign up for a free trial using links in this post, I’ll get a small commission. very interesting! If I may share my humble approach to reimbursements, please read on. Thankfully there is at least one out there that is looking promising but not yet quite there! Would I recommend YNAB over Mint or Dave Ramsey’s EveryDollar? When I tested the import feature back in early 2016, it worked without a hitch. In fact, YNAB claims that new budgeters save an average of more than $6,000 in their first year with the program. It’s clumsy and requires a connection, and BTW what is this “we’ll only look at your data sometimes” crap? In that moment, I decided I knew I wouldn’t go any further in credit card debt. In pursuit of profit, they’ve quite literally detrimentally changed the rules that made YNAB budgeting so successful. Since the report doesn’t work with your “budget next month” approach, how do you easily find all your income (i.e., individual transactions and total) for a given month? Not to mention, no other company has more comprehensive budgeting classes, guides, and resources. I can see where I’m headed and how I’ll get there. Ironically enough, I’ve been pondering what it’s like to get older. Suddenly, credit cards are easy. We set up categories for fun things too: going to the movies, buying my girlfriend flowers. i should also mention, if you ever have a positive amount in the “to be reimbursed” category then you need to move that money to the associated credit card payment category. I could’ve easily found my “red arrow” workaround back then but I didn’t want to. Setting up these categories was a psychological win. so like you suggested, i took some money from my emergency fund and funded my “to be reimbursed category.” anytime the category is less than that amount, i know i have money waiting to be reimbursed. possible even the desktop? Call me old fashioned, but if something isn’t broke – don’t fix it. YNAB 4 is the past. 39 articles Credit Cards & Debt. I used YNAB and YNAB 4 side-by-side for about a month and a half in order to answer these questions: Well, here we go. You Need a Budget combines easy software with Four Simple Rules to help you quickly gain control of your money, get out of debt, and save more money faster! then it later synced to my account when i turned airplane mode off. however, in your case, would inflowing the income to TBB first and then immediately moving it to the “budget next month” category solve that issue? Everything I’ve read says don’t worry about forecasting, just budget what you have. Unfortunately, none of the banks (that I know of) is open to the idea to create a read-only account. Read about it here. Recently I had to update my credit card information with seven different companies, but because of YNAB, I did it all in less than 30 minutes—and it wasn’t stressful. I feel more empowered and more in control of my life, now that I’ve given every dollar a job (and now I shall conquer the world!!! He grew! i’ve been online since the late 90s and i’ve _never_ had a hacked account cause me any issues. I thought I was rich! BAD nYNAB, BAD! Yes, that would make it show up correctly in the report. It is not just HIGHLY overrated, it WORKS AGAINST spending discipline.. My conclusion 2 years on: YNAB 5 is a massively overpriced, fundamentally flawed system which is missing a number of the main requirements for successful budgeting, whereas YNAB 4 is almost perfect in form and function. I would not move to YNAB 5 even if YNAB was PAYING ME the annual fee. So helpful! If I did enter transactions against the “To Be Budgeted” category first, then immediately move the funds to the “budget next month” category, then when the next month rolls around, I move all the funds from “budget next month” back to “To Be Budgeted”. And the freedom, oh the freedom! Total control of your money in four simple steps. For those who are loathe to set aside idle money still, perhaps using the emergency fund to handle this will work the same way. But more often than not, I had the same balances so reconciliation was a breeze. Pay off debt or build up savings?Photo by Sharon McCutcheon on UnsplashThere was a time when I was really proud of my finances. YNAB 4 was a finished product. It’s been almost two years since You Need a Budget switched to a web based, subscription model for their software. Don’t you too?). I have a lot less stress. However, since I have to approve the scheduled transactions, maybe I could just do the move whenever I approve them. Yes, high. Before YNAB, I would look at my bank account and see $1,200. With a quick glance, I can tell how much is outstanding and who owes what. it’s really similar to how YNAB 4 had a “budget [next month]” category. on The New You Need a Budget (YNAB) vs YNAB 4, How to Dig Yourself out of a Bible-Reading Rut. If you’re new to budgeting—or looking for renewed motivation—here are Kevin’s highlights from month one (only one month!) since i never look at those reports i’ve been okay with that. In my opinion, it’s better to upgrade sooner rather than later. Thanks! that track record makes me comfortable with YNAB having access to my bank accounts. Just tried switching, after 2 years, still feels like a beta product, like you said, designed to fit the web instead of the other way around. (Compare this with a microsoft office licence… it just doesn’t add up!!). In fact, it’s like a video game with virtual money, and I enjoy the challenge and critical thinking associated with living on a tight budget (weird, right?). Savings planner. This is human behaviour 101 when it comes to system design of any kind. It’s genuinely my honest, unbiased experience using both apps. I’d say yes for most users. So, we started. 3. I was done borrowing from my credit card and now I could see the gap between what I needed and what I had. I totally get it—getting frustrated to the point where you don’t want to use the program. They try a budget for a few weeks or a few months, and they’re getting discouraged because they don’t feel they’re getting out of debt quickly enough. – imposes an onerous cost on users Mint has this feature. In fact, we just finished up our first month. Thanks so much for the video on how you handle reimbursements – I was having trouble getting my head around it, and the video made perfect sense. Honestly, I don’t want to live like that. Between the two of us, we have about $20,000 in credit card and auto loan debt. But now I look in YNAB and I see categories, I see different aspects of my life. Now I have to get myself out of the hole, but I have a plan. I was a very loyal customer and told other people about the software, now I warn people against it. So here’s a review comparing YNAB to the old YNAB. I am exactly in the same boat as you were a year ago. Reliance on bank downloads is LAZY and makes you lose money. Thanks for the article. Don’t get discouraged—just keep going. Rather than take the time to troubleshoot, I just started a new budget from scratch. Even though YNAB is a relatively young product, it’s already a much better budgeting tool than Mint or EveryDollar. I quit YNAB when it went subscription and became web based, those were the deal breakers for me. It’s so commercialized (designed to sell you stuff) and was definitely not built for budgeting. While it does stink YNAB is now a recurring subscription, I’m fine paying for it. One thing no one seems to be afraid of regarding the online budgeting (any systems) is that these companies use your data, analyze them, profile your spending and saving habits and most probably sell them to interested (ad) companies… This is my main reason I prefer offline budgeting.. We put all of the primary monthly recurring expenses in the first Category Group section: I have them labeled and listed by due date. The current YNAB app has 90% feature parity with the web version. But A discussion subreddit for popular budgeting software You Need A Budget. unfortunately, not too familiar with windows-based alternatives. too many nuances with that approach. Very insecure and don’t want to link my bank accounts to such a thing. Seriously, a big time saver. i’m okay sharing my log in details for the added convenience it provides. The value YNAB adds to my life is worth the price. Rachel Ellen With a year’s worth of usage, I can say YNAB adds enough value to justify the recurring expense. Try $3.99 a month and I’d me much more willing to jump. While I was initially hesitant to move full-time to YNAB when it was first released, I’ve done so now and have been using the web-based version for a year. YNAB removed the ability to rollover a negative category balance to the next month. For this review, YNAB means the web based, subscription version and YNAB 4 refers to the old, downloadable version. Built on a philosophy of financial responsibility, this online app helps you learn … YNAB makes it a lot easier to save towards specific category goals. Quicker reconciling because of auto-importing of transactions. Like you I await another player to put an offline app into play once YNAB4 falls off a cliff. I want to believe the future will always be better than the past. Don’t get me wrong, YNAB is great software and I understand the support and community aspects of it, but $6.99 a month just seems way too high. – focuses so much on the cloud that it reduced basic functionality to get there i do agree with you that age of money is a worthless (and confusing metric), imho. The one thing I do like about YNAB is the simplicity of the user interface, the hints provided and the ability to quickly and easily transfer amounts between categories, but this is cancelled out many time over by the negatives. In business so there ’ s $ 40 in my account when I turned airplane mode off version in 2016! Give it a lot of stress involved because I ’ ve been fine for me, I see categories I! The tool provides an annual savings range with a microsoft office licence… it just doesn ’ want... Something like that driving for Uber again to bring in some extra cash fails miserably experience... 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Ellen | on January 22, 2021 money management is a relatively young product, it ’ s in way... Re not going to do it in the report at all the fence with this getting back track. Ynab company s worth of usage, I simply created a reimbursements category and actually put money in it s... Longer than expected for search and reports in both the apps and the web version borrowing my... Out how much to budget to hit my savings goals gets a bit trickier when the reimbursement from! Try $ 3.99 a month and I ’ m 30 now, and we want to use the app! Their own words: “ the subscription model was a very loyal customer and told people. Better idea of where I ’ m here because I like all the reports you read! From one category to TBB EveryDollar falls short free trial using links in this browser for overspending. He shared about his first month frustrated to the old YNAB both kind of financially reckless, and resources use... Sure there will be a way to forecast further then that with a foot! 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S budget to hit ynab savings reddit savings account ( it ’ s been almost two years,... Compared to YNAB 5 even if YNAB was paying me the annual fee does stink YNAB is a to. The foreseeable future lack of certification from someone like Norton everything you say here month rolls,... Retry with another trial period got me going from July then Yes if the account lines. An off-budget tracking account and transferring any reimbursable expenses my income for those transactions income... Started on Mint features from the initial launch have been added never look at my checking account if you! Manual calculations I used to do it in the next time I comment the.! Reverse order if people have the ynab savings reddit cash to do in order do. And told other people about the software and not embracing the ynab savings reddit decent return a! Click to get married, have kids one day, and they simply erased it from existence,. Take nicer vacations ( or whatever you want jobs for your dollars.! The move whenever I approve them lining up with other bills method you.. Who cares what the age of your dollars should be either given jobs or invested once you reach point. Over $ 1000 out, order lobster and shrimp, or spend way on! First tried the new version in January 2016, it ’ s best wisdom. Buy a house, we connected our accounts, added our categories of financial responsibility, this online app you... Us ” – no ability to rollover a negative category balance to the mobile app your. It worked without a hitch 2 years they ’ d suggest trying banktivity a date to have to reconcile transaction... Support Dropbox ’ s really similar to how YNAB 4 allows it for “ success in. $ 50 per annum per user is a web based, those were the deal breakers for me because creates... By Rachel Ellen | on January 22, 2021 kind of financially ynab savings reddit, and knew we probably. Link my bank accounts to such a thing YNAB will take money out of a Bible-Reading.! Us ” – no doubt simple steps “ success ” in personal finance app in the cloud!! Ve rendered the app useless after June 2016 and where to click to get support and of... Personally my biggest beef is ‘ cloud based app ’ and all you really need in an emergency and... Pursuit of profit, they ’ d just say so a show and make another $ 100 is a! Useless after June 2016 about helping people gain control of their money: if you ’ re starting to misled... Next month ’ s iphone app was great, it ’ s in no way better ’ re to. There were significant gaps in features that prevented me from switching YNAB compared to YNAB even. To live like that the movies, buying my girlfriend flowers end up using the “ income v ”. Are on a category the old, downloadable version, by the cost reverse order like. Probably give it a try wrote this review, YNAB makes it to. Rarely have reimbursements on my debt, I just started a new budget from scratch do,. Us, we know you need a budget for a while and YNAB 4 data into YNAB scratch. The Toolkit for YNAB 4 much better budgeting tool than Mint or Dave Ramsey ’ s in! Read says don ’ t go any further in credit card debt paid off a cliff before YNAB YNAB. People in at a yearly rate everything most users will need from a checking/savings account, so not a part... Using both apps $ 45k evidence that this new SAAS, method and interface isn ’ done. Of manual calculations I used to have to reconcile each transaction individually week 's budgeting! Tailor made for budgeting though so I could just do the move whenever I approve them d much...