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Just as a heads up, you can email support after your free trial and ask for an extension. They'll pretty much always give it to you. If you're a student, you ca

by m8s 6y ago

Just as a heads up, you can email support after your free trial and ask for an extension. They'll pretty much always give it to you. If you're a student, you can send in your student ID and get a year free. YNAB changed my life.

sizzle 6y ago
would love if you shared how it changed your life, I'm always skeptical about these types of things that I end up abandoning after a short time. thanks!
- iends 6y ago
  Not parent, but my wife and I have been using YNAB for over 5 years, even before they moved to a web app. It’s changed our lives: - We never fight about money because we have already planned for the next month together. - We each get equal amount of no questions asked personal money that the other person cannot criticize how it’s spent. - When we first started using YNAB we realized we were living off credit card float, and spending money we didn’t have until we got the months paycheck. We thought we were doing great just because we would pay our credit card off each month. But we were actually 100% relying on our future paychecks to survive. - My wife lost her job 2 years ago and was out of work for a month due to COVID. The budget gave us an objective view rather than an emotional one. In both cases, we didn’t need to even rely on our emergency fund because of flexible budgeting. - We are able to maximize credit card rewards without being concerned with spending too much. - We are able to easily track our cash equivalent net worth. Most of these things are not YNAB specific, but the software makes things so much easier.
  - bwbmr 6y ago
    Do you each have a YNAB account, or share one?
    - iends 6y ago
      We share one account and one budget.
  - sizzle 6y ago
    Thank you I will have try this out and go in with a positive mindset that it's a structured and objective system and I can't honestly say where my money is going today which is causing me to spend money frivolously on things I don't really need. Honestly I might just make an Excel spreadsheet and track monthly credit card billing statements and total income/month and net profit after debits (bills, living expenses, etc.) Think this would work like YNAB to a degree until I'm fully invested in budgeting?
    - hestefisk 6y ago
      I have tried a few of these budgeting applications. Unless you have a large amount of bank accounts in different banks, investments with asset managers etc, it is just as easy to process it in Excel. I just download my monthly bank transactions and import them into an Excel flat file. Each item I tag against an expense hierarchy. Then I run a simple pivot table to compare spend over time. It’s not as fast, but it’s free, very flexible and I’m not bound by predetermined rules.

by m8s 6y ago

sizzle 6y ago

would love if you shared how it changed your life, I'm always skeptical about these types of things that I end up abandoning after a short time. thanks!

iends 6y ago
Not parent, but my wife and I have been using YNAB for over 5 years, even before they moved to a web app. It’s changed our lives: - We never fight about money because we have already planned for the next month together. - We each get equal amount of no questions asked personal money that the other person cannot criticize how it’s spent. - When we first started using YNAB we realized we were living off credit card float, and spending money we didn’t have until we got the months paycheck. We thought we were doing great just because we would pay our credit card off each month. But we were actually 100% relying on our future paychecks to survive. - My wife lost her job 2 years ago and was out of work for a month due to COVID. The budget gave us an objective view rather than an emotional one. In both cases, we didn’t need to even rely on our emergency fund because of flexible budgeting. - We are able to maximize credit card rewards without being concerned with spending too much. - We are able to easily track our cash equivalent net worth. Most of these things are not YNAB specific, but the software makes things so much easier.
- bwbmr 6y ago
  Do you each have a YNAB account, or share one?
  - iends 6y ago
    We share one account and one budget.
- sizzle 6y ago
  Thank you I will have try this out and go in with a positive mindset that it's a structured and objective system and I can't honestly say where my money is going today which is causing me to spend money frivolously on things I don't really need. Honestly I might just make an Excel spreadsheet and track monthly credit card billing statements and total income/month and net profit after debits (bills, living expenses, etc.) Think this would work like YNAB to a degree until I'm fully invested in budgeting?
  - hestefisk 6y ago
    I have tried a few of these budgeting applications. Unless you have a large amount of bank accounts in different banks, investments with asset managers etc, it is just as easy to process it in Excel. I just download my monthly bank transactions and import them into an Excel flat file. Each item I tag against an expense hierarchy. Then I run a simple pivot table to compare spend over time. It’s not as fast, but it’s free, very flexible and I’m not bound by predetermined rules.