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What's your experience with YNAB? I use Mint for balances and USAA's forecasting tool to see the future, but I'm not terribly happy with either.

hammeiam 6y ago
YNAB is excellent. They have auto-importing, auto-categorization, geotagging transactions with the mobile app, and cool community-led addons (https://chrome.google.com/webstore/detail/toolkit-for-ynab/lmhdkkhepllpnondndgpgclfjnlofgjl https://chrome.google.com/webstore/detail/toolkit-for-ynab/l...)
mbil 6y ago
I use YNAB only for granular budgeting, not for big-picture or forecasting (for that I use personalcapital[0]). At first I was skeptical of YNAB -- the idea of giving every dollar a job and tracking transactions down to the penny seemed hellish -- but I've since become a convert. I like having all bank account and card transactions in one place and having the budgeting decoupled from the institutions. The goal-setting features are great. And keeping a careful budget of all inflow and outflow has been pretty easy and makes it nice to set up lots of small budgeting buckets. After an initial setup, it feels like a machine that keeps my finances in order without too much intervention. If you get into YNAB, also check out the toolkit[1], which gives some additional budget analysis and planning tools. [0] https://pcap.rocks/matt1688 https://pcap.rocks/matt1688 (includes my referral code) [1] https://www.toolkitforynab.com/ https://www.toolkitforynab.com/
red_hare 6y ago
Check out lunchmoney.app! I've been using it for the past year. It's clean, snappy, easy to use, and has VERY powerful categorization for anyone with a programmers mindset. I used mint but it was too much work to keep the categories up. I looked at YNAB but it seemed too overbearing. Lunchmoney has been a really refreshing tool for me. It's also a solo developer's project, they make regular updates, and it's a clean business model of a simple monthly fee. If you use someone's referral link you get an extra free month after their trial. Here's mine: https://lunchmoney.app/?refer=kvy5xf49 https://lunchmoney.app/?refer=kvy5xf49

hammeiam 6y ago

YNAB is excellent. They have auto-importing, auto-categorization, geotagging transactions with the mobile app, and cool community-led addons (https://chrome.google.com/webstore/detail/toolkit-for-ynab/lmhdkkhepllpnondndgpgclfjnlofgjl https://chrome.google.com/webstore/detail/toolkit-for-ynab/l...)

mbil 6y ago

I use YNAB only for granular budgeting, not for big-picture or forecasting (for that I use personalcapital[0]). At first I was skeptical of YNAB -- the idea of giving every dollar a job and tracking transactions down to the penny seemed hellish -- but I've since become a convert. I like having all bank account and card transactions in one place and having the budgeting decoupled from the institutions. The goal-setting features are great. And keeping a careful budget of all inflow and outflow has been pretty easy and makes it nice to set up lots of small budgeting buckets. After an initial setup, it feels like a machine that keeps my finances in order without too much intervention. If you get into YNAB, also check out the toolkit[1], which gives some additional budget analysis and planning tools. [0] https://pcap.rocks/matt1688 https://pcap.rocks/matt1688 (includes my referral code) [1] https://www.toolkitforynab.com/ https://www.toolkitforynab.com/

red_hare 6y ago

Check out lunchmoney.app! I've been using it for the past year. It's clean, snappy, easy to use, and has VERY powerful categorization for anyone with a programmers mindset. I used mint but it was too much work to keep the categories up. I looked at YNAB but it seemed too overbearing. Lunchmoney has been a really refreshing tool for me. It's also a solo developer's project, they make regular updates, and it's a clean business model of a simple monthly fee. If you use someone's referral link you get an extra free month after their trial. Here's mine: https://lunchmoney.app/?refer=kvy5xf49 https://lunchmoney.app/?refer=kvy5xf49