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I second YNAB, but as you said, it requires diligent tracking especially for those of us living outside the US and can't hook their bank account into it. I hap
by bszupnick 7y ago
I second YNAB, but as you said, it requires diligent tracking especially for those of us living outside the US and can't hook their bank account into it.
I happen to love the diligent tracking, though, and it's just part of my daily routine. Every time my wife or I charge a card or the money from the ATM, we log it in YNAB. Then every day I open my banking app and reconcile the charges with what we've input into YNAB. Sometimes we forget to log something, or mis-log something, or there are surprise charges to be dealt with.
Now that I'm in the habit, it takes a total of 10 minutes a day.
- jlengrand 7y agoI'm hoping the arrival of PSD2 in Europe early this year will finally mean we get apps that will be able to auto report as opposed to manual accounting like it has to be done today
- mping 7y agoThere are some fintechs already paving the way and abstracting psd2 away. I just tried to log into my bank using tink (no affiliation) and it worked great.
- jlengrand 7y agoI'll have a look! Being a French guy in the Netherlands and with money spread over 4 different banks in several countries, bookkeeping really is a pain. I looked a few times in the past but support is notoriously lacking in NL.
- AdamGibbins 7y agoThere are already plenty of providers (at least in the UK) that offer the APIs YNAB need - yet for some reason they've opted to use two obscure North America only aggregators. Salt Edge and Yodlee are two very heavily used providers that work internationally.
- slenk 7y agoI just wish they offered a one-time payment as they used to on Steam. I hate having to budget for another subscription. I think thats ironic.