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I'm pretty happy with YNAB, have been using it since September. People complain about having to manually add transactions but I find it helps keep you disciplin

by ng-user 10y ago

I'm pretty happy with YNAB, have been using it since September. People complain about having to manually add transactions but I find it helps keep you disciplined to a further extent.

devangthakkar 10y ago
Have been using https://goodbudget.com/ https://goodbudget.com/ for almost 2 yrs. Clutter-free mobile apps, cloud storage and free account allows 2 moblie devices to sync. Very satisfied.
laughfactory 10y ago
My wife and I have been using YNAB (You Need A Budget) for years now and absolutely LOVE it. It's truly been a game changer for us. Before we found YNAB I would've agreed with you, but now I point everyone to it. I hated Mint, and Quicken, and Microsoft Money (back in the day), but for us YNAB really nails the sweet spot. It empowers you with your money without bogging you down.
- aml183 10y ago
  I tried YNAB, but too focused on budgeting. I'm looking more for expense tracking and potentially cash flow forecast. I think the issue is that I don't exactly know what I'm looking for but Quicken and YNAB didn't work for me when I tried it.
- lastofus 10y ago
  How many hours a month do you spend on data entry of expenses? This has always been the biggest deterrent for me.
  - Jtsummers 10y ago
    My time commitment varies, early on it's high, but then it's gone down to saner levels as I've used it more. For purchases, I put in less than one minute per transaction (for data entry). For bills, I set them up as recurring scheduled transactions on the same day of each month. I then verify them when they become current, shifting the date or the amount as needed, takes a few seconds for each one. I've done the same with my income (reliable, salaried, paid bi-weekly). I only track cash assets and CCs. My investments, retirement accounts, and other assets don't get tracked because I don't consider them part of my budget (though contributions to them are). So once a week (more early on, getting the hang of things), I go to my bank and CC websites and make sure I haven't missed any transactions, clear all the ones they show as cleared, and reconcile all accounts. This takes less than 5 minutes per account if done this frequently. All told, I'm probably spending less than an hour a week in YNAB, and half of it is updating the budget itself as income comes in and needs to be allocated, or verifying that I have the money before making a purchase.

by ng-user 10y ago

I'm pretty happy with YNAB, have been using it since September. People complain about having to manually add transactions but I find it helps keep you disciplined to a further extent.

devangthakkar 10y ago

Have been using https://goodbudget.com/ https://goodbudget.com/ for almost 2 yrs. Clutter-free mobile apps, cloud storage and free account allows 2 moblie devices to sync. Very satisfied.

laughfactory 10y ago

My wife and I have been using YNAB (You Need A Budget) for years now and absolutely LOVE it. It's truly been a game changer for us. Before we found YNAB I would've agreed with you, but now I point everyone to it. I hated Mint, and Quicken, and Microsoft Money (back in the day), but for us YNAB really nails the sweet spot. It empowers you with your money without bogging you down.

aml183 10y ago
I tried YNAB, but too focused on budgeting. I'm looking more for expense tracking and potentially cash flow forecast. I think the issue is that I don't exactly know what I'm looking for but Quicken and YNAB didn't work for me when I tried it.
lastofus 10y ago
How many hours a month do you spend on data entry of expenses? This has always been the biggest deterrent for me.
- Jtsummers 10y ago
  My time commitment varies, early on it's high, but then it's gone down to saner levels as I've used it more. For purchases, I put in less than one minute per transaction (for data entry). For bills, I set them up as recurring scheduled transactions on the same day of each month. I then verify them when they become current, shifting the date or the amount as needed, takes a few seconds for each one. I've done the same with my income (reliable, salaried, paid bi-weekly). I only track cash assets and CCs. My investments, retirement accounts, and other assets don't get tracked because I don't consider them part of my budget (though contributions to them are). So once a week (more early on, getting the hang of things), I go to my bank and CC websites and make sure I haven't missed any transactions, clear all the ones they show as cleared, and reconcile all accounts. This takes less than 5 minutes per account if done this frequently. All told, I'm probably spending less than an hour a week in YNAB, and half of it is updating the budget itself as income comes in and needs to be allocated, or verifying that I have the money before making a purchase.