I get excited any time anyone talks about YNAB so sorry in advance…
YNAB is the first thing I’ve used that I’ve actually been able to use consistently. Over the last 15 years I’ve tried:
- GNU Cash
- Text files
- A manual Excel spreadsheet
- Building my own web app
- Splitting my paycheck into three different bank accounts and no other budgeting method
Finally @anomalily introduced me to YNAB and I’ve been hooked ever since, going on 4 years now. It’s the first time I’ve found the right balance between automatic data entry and manual tagging, giving me the flexibility of both.
I started with desktop YNAB and made the jump to the online version and it’s been mostly fine. I like that it’s better in sync between my phone and laptop now. The only thing I don’t like is their new rules around credit cards. I see why they do it but it doesn’t apply to me since I never carry a balance.
Sure it’s kinda expensive, but as someone in the software industry I do realize why they’re doing it and I also know what happens to software and the company when they don’t do this.
So pretty much a huge fan here, and it’s literally changed my life, so yeah. That said, I totally believe it’s not for everyone, everyone has a different way of thinking about this that works for them. I’m just glad I found mine!