4 ms·

YNAB compared to Mint, anyone?

• pfranz 10y ago
  I've found Mint better at tracking what I spent money on in previous months (which isn't really budgeting). It's much better at big picture--did I spend more money than I made this month? Wow, I spent more than I expected on my fuel this month--or is that possibly fraudulent and I should follow up on it? YNAB is similar to the envelope method; take your income and put it into buckets. As you incur expenses you deduct from those buckets. Here's a big example where Mint falls short but YNAB works well; my utilities are bi-monthly. With YNAB, I'd stash away half of the amount every month and it would get subtracted when I get billed. That being said, I never got into the habit of using YNAB long-term (tested out YNAB4 and the new web offering), but I wish I would.