4 ms·
As a former user who switched to Amex credit cards for all spending, it’s key benefit of automation is ruined. I don’t think it’s entirely YNAB’s fault. But ha
by onetimename 4y ago
As a former user who switched to Amex credit cards for all spending, it’s key benefit of automation is ruined.
I don’t think it’s entirely YNAB’s fault. But having to manually input each credit card transaction doesn’t make me feel it’s worth the monthly charge. Then it just becomes a spreadsheet.
EDIT: that is— the lessons are excellent and the mindset is important. But it’s monthly cost is another issue.
- mattw2121 4y ago(I'm not here to promote YNAB, I promise I'm just a happy user and not affiliated). I use my AMEX for 90% of all spending. No issues importing transactions to YNAB. Sometimes there is a 1-2 delay, but they do import.
- ljoshua 4y agoLucky! I love YNAB, but I'm glad that 95% of my spending is on my non-Amex cards and accounts, because the Amex accounts only sync successfully once in a blue moon, even after repeated reauthorizations. Any tips?
- mattw2121 4y agoThey have multiple import providers. I am set up to use Plaid. If you are using another it could be the cause of your issues.
- bambataa 4y agoWhy does using Amex stop you using YNAB? Syncs fine for me.
- onetimename 4y agoLuck I guess. I originally stopped using it when I got an Amex card because of sync issues. Tried it again recently and it was still the same. Maybe I was spoiled with near instant syncing on my debit card, I used to categorize the gas i just paid for before leaving the lot. But again, at 15 a month, that’s a lot of effort for a gui on top of a spreadsheet. The benefit for me was quick transaction logging and categorizing, then a weekly/monthly check up. But with sync issues, those check ups became categorizing sessions, and just took too much time.