It's so easy, you have to. I was a very loyal customer and told other people about the software, now I warn people against it. So that gives YNAB 4 a good shot at working through 2018. I’ve got a job in communications, I play violin professionally in an Americana rock band, and I live with my (awesome) girlfriend. We were both kind of financially reckless, and knew we should probably give it a try. So helpful! But that can be dangerous. i’ve updated my post. It gets a bit trickier when the reimbursement is from a checking/savings account. Somehow, they’ve managed to make it more important than it should and now it’s even easier to “borrow” on your credit card. In fact, we just finished up our first month. What are your reasons? I’d go out, order lobster and shrimp, or spend way more on groceries than I normally would. If you upgrade, there is a way to import your YNAB 4 data into YNAB. I also dont really want my finance details out in the web .. still feel uneasy about Ynab security. because I’m allocating funds to pay these monthly expenses. Unfortunately, none of the banks (that I know of) is open to the idea to create a read-only account. – is a functionally inferior design for users compare to YNAB 4. Built on a philosophy of financial responsibility, this online app helps you learn … I’m 30 now, and I’m getting back on track. Making sure everything under the hood is in order. on The New You Need a Budget (YNAB) vs YNAB 4, How to Dig Yourself out of a Bible-Reading Rut. One thing that really helped was simply taking the time to go over our monthly statements and finding out what bills came due when. – no ability to see what my multiple bank balances might look like in a few weeks time based on forecast expenses? Save my name, email, and website in this browser for the next time I comment. All that YNAB 4 could use is a mobile app facelift and the automated goals. Who cares what the age of your money is beyond what it takes for your pre-determined pad in case it all hits the fan. 39 articles Credit Cards & Debt. A mail from YNAB team to retry with another trial period got me going from July. The “Income v Expense” report will show no income for those transactions. YNAB claims to help you "break the paycheck to paycheck cycle, get out of debt, and save more money". Thanks so much for the video on how you handle reimbursements – I was having trouble getting my head around it, and the video made perfect sense. I was doing great. Was it because they simply weren’t competent enough to hire programmers to replicate YNAB4 as a SaaS product, or did they feel the need to make up “improvements” to justify the upsell? Initially, the fee was $5 monthly or $60 / yr. Before YNAB, I would look at my bank account and see $1,200. Thank you for your review: it was very helpful. It helps me get out of bad habit spending before I get into it. I am exactly in the same boat as you were a year ago. Pin. So here’s a review comparing YNAB to the old YNAB. I was just too stubborn to adapt my existing budgeting process. Just tried switching, after 2 years, still feels like a beta product, like you said, designed to fit the web instead of the other way around. i do agree with you that age of money is a worthless (and confusing metric), imho. I’d say yes for most users. You mentioned YNAB 4 is the past. The current YNAB app has 90% feature parity with the web version. I could’ve easily found my “red arrow” workaround back then but I didn’t want to. thankfully, i have and it’s an amazing feeling knowing you’re no longer living paycheck to paycheck. YNAB doesn’t let you budget beyond the next month, while YNAB 4 allows it. All the clauses about YNAB working with third parties just doesn’t convince me at this point in time. Would I recommend YNAB over Mint or Dave Ramsey’s EveryDollar? Quick budget options like budgeting the average amount spent over the last year in a category. Goals make it easier to remember and know how much to budget to hit my savings goals. I’m not always timely with expense reports so the lag is important. YNAB Community Forum. The good news is all those features have been added. I spent the better part of my twenties racking up debt. I quit YNAB when it went subscription and became web based, those were the deal breakers for me. Follow YNAB to get support and lots of great ideas on budgeting. YNAB was the first place i heard that and was what motivated me to work towards it. too many nuances with that approach. i should also mention, if you ever have a positive amount in the “to be reimbursed” category then you need to move that money to the associated credit card payment category. I am going to go check out YNAB4 though. I still prefer using a computer for most of my budgeting, but the new app is nice for some things (namely, approving imported transactions and covering overspending quickly after adding a transaction). When you enter all transactions yourself it reinforces you taking personal responsibility for your spending actions and reminds you on every occasion where you are at with your budget. Are you going to upgrade or look for YNAB alternatives? 2. Everything I’ve read says don’t worry about forecasting, just budget what you have. In this case, the future is worst than the past. A workaround means the software design is fundamentally flawed. Through all of this, I’ve learned a valuable life lesson. in YNAB, i handle it by creating a category called “budget next month.” all my current month’s income goes into that category. I’m still on the fence with this. – Many people think downloading transactions from your bank is a good thing for budgeting. She and I had been talking about getting a budget for a while. You think going back to your old ways will solve your problem. glad you found the review helpful. thanks for the heads up. It wasn’t a terrible process in YNAB 4, however, YNAB makes it even easier. I could carry it over to the next month as a negative balance (my preferred method) or let YNAB automatically bring the category balance to zero (by taking money from what I have available to budget for the next month). thanks for sharing! Here’s the rest of his story: When I turned 21, I had $4,000 in savings. Your email address will not be published. I can see where I’m headed and how I’ll get there. I’ve been using the “Income v Expense” report to easily see my income for a given month. Thanks! A discussion subreddit for popular budgeting software You Need A Budget. I tried YNAB last year and gave up as certain features were missing or the way they work had changed. It does everything most users will need from a budgeting app. And, obviously, we know you need a budget. Don’t get me wrong, YNAB is great software and I understand the support and community aspects of it, but $6.99 a month just seems way too high. With a year’s worth of usage, I can say YNAB adds enough value to justify the recurring expense. NO NO NO NO NO NO. I do not like the idea to provide any 3rd party with my actual bank account logins…, thanks for reading! Right now, I can see the full picture of my finances. $50 per annum per user is a NPV cost paid by a lifetime user of over $1000. And please know I wrote this review before I knew I could earn a commission. Once you understand it’s methodology and how to use the app, you come to appreciate how well built the app is. I’m no longer afraid of the mail (bills!!!) at least for me, i think $45/year (the lifetime discount for YNAB 4 users) is absolutely worth the cost. let’s hope that trend continues. We came across Kevin on Reddit, where he shared about his first month of budgeting with YNAB. very interesting! This is human behaviour 101 when it comes to system design of any kind. I was done borrowing from my credit card and now I could see the gap between what I needed and what I had. i’m okay sharing my log in details for the added convenience it provides. I found this to be a helpful feature. I now know everything that’s on autopay. My advice: Get fully buffered, work on your emergency fund. For this review, YNAB means the web based, subscription version and YNAB 4 refers to the old, downloadable version. I wanted to buy Christmas gifts, go on vacation, pay off debt, and I needed to bring in more income to do that. Feel free to post any news, questions, budget strategies, tips & tricks and advice related to YNAB. Follow us for budgeting ideas & support. If you’re brand new to YNAB and it’s methodology, I would still recommend YNAB. I read it recently because I thought it worth checking if after nearly 2 years someone actually thought the new YNAB was any good. It’s as easy as clicking Reconcile Account and then Yes if the account balance lines up with what your financial institution says. And that changed everything—I wasn’t stressed at all. Then we pulled together all our debt and set a date to have the credit card debt paid off in just under two years. It was really annoying. I am starting to feel misled that they promised a desktop app but have not delivered. hope YNAB4 works out for you! Ironically enough, I’ve been pondering what it’s like to get older. I am using YNAB 4 since 2011. So that’s one reason why I’ve decided to upgrade. Aside from adding easier goals, it’s still a very viable product. In this situation, YNAB will take money out of the next month’s budget … YNAB stands for You Need a Budget, and it's true: You do. Starting Our Budget. In this situation, YNAB will take money out of the next month’s budget to compensate for the overspending. Normally there’s a lot of stress involved because I’m constantly strapped for cash. You feel good about it. Suddenly, credit cards are easy. sync for ynab, YNAB in the Steam summer sale : ynab - reddit Save Note: If you sign up for a free trial using links in this post, I’ll get a small commission. Before, I was always broke, and knew that if I didn’t have money by a certain date I risked late fees, overdraft charges, and returned payments. Very insecure and don’t want to link my bank accounts to such a thing. You just click on a category balance and tell it how much money to move where. while not as native as YNAB 4, it’s the same concept. But This is one thing I love about the company. I’ve got a goal to save $500 for emergency funds and $500 for vacations in the next six months. I kept screwing things up. Written by Now that YNAB’s had a couple years to evolve, it’s time to take a second look. I want to believe the future will always be better than the past. – focuses so much on the cloud that it reduced basic functionality to get there Now I have to get myself out of the hole, but I have a plan. So, I hopped in the car and started driving for Uber again to bring in some extra cash. I will stick with YNAB 4 for as long as it works and then I’ll move to something else or write my own software and sell that because there will be a gaping hole in the market for the functionality of YNAB 4. He learned! Share 6. It was initially a little confusing to understand, but as one commenter said, it made a lot more sense when I went through the steps in my YNAB account. Those are the funds to budget in that month. In YNAB 4 you used to have to reconcile each transaction individually. The only thing that would break the app is an incompatible macOS or iOS update which I don’t think will happen with either of the next updates. So paying subscription after subscription for one off applications seems absurd to me. Not ideal, but I rarely have reimbursements on my checking/savings account, so not a big deal. If you have gotten this far, you know you need a budget. I would not move to YNAB 5 even if YNAB was PAYING ME the annual fee. YNAB. After that, “budget next month” becomes the holding category for the next month’s income again. You can browse forums, give tips, ask questions, and find answers. I end up using the web app more, because I like all the reports you can see. This was the deal-breaking feature for me because it makes it difficult to track reimbursable expenses. I still haven’t found a budgeting app that’s as polished and tailor made for budgeting as YNAB. It’s been almost two years since You Need a Budget switched to a web based, subscription model for their software. So, since we are all on the same page—let’s do this! We love hearing stories like Kevin’s! I would NEVER connect directly to my bank, but still am not happy with my transactions details (downloaded from banks separately) being uploaded to the cloud just so I can process my own data. Feel free to post any news, questions, budget strategies, tips & tricks and advice related to YNAB. it’s really similar to how YNAB 4 had a “budget [next month]” category. that was something i learned after i recorded that video. Except all that debt and stress? possible even the desktop? In order to avoid that, I cover the overspending with a different budget category in order to not impact the amount available for budget next month. But shortly after, it went downhill. 3. Related to personal finance, budgeting, money and financial matters. A discussion subreddit for popular budgeting software You Need A Budget. nYNAB misses at least one very important pillar, for me at least. Like you I await another player to put an offline app into play once YNAB4 falls off a cliff. There is more awareness of my spending habits. The other day I went to the grocery store. The good news is YNAB Classic was updated to support Dropbox’s new API. It gets a bit trickier when the reimbursement is from a checking/savings account. Partly because I believe they’re holding onto the past and not embracing the future. Yes, high. Tough call. Honestly, I don’t want to live like that. It was at that point I realized my expenses were outpacing my income, and I would just keep going deeper in debt if I kept it up. So for the diehard YNAB 4 users, the app will continue working for the foreseeable future. ;). Let’s jump in and see what I like about YNAB compared to YNAB 4. It’s clumsy and requires a connection, and BTW what is this “we’ll only look at your data sometimes” crap? Your email address will not be published. – imposes an onerous cost on users Seriously, a big time saver. Andrew, please inform me, when you will write your own software. I resonate with most of your points. so it appears (at least with the iphone app) that it has some offline support. So does EveryDollar. I have a lot less stress. if you’re on a mac, i’d suggest trying banktivity. so far i haven’t been bit by any inappropriate use of that data. I then mark where that money came from in the memo field so that when the reimbursement comes in, I can put the money back. Walling off current income to next month was the most crucial of the rules, and they simply erased it from existence. It involves creating an off-budget tracking account and transferring any reimbursable expenses to it. The rest of your dollars should be either given jobs or invested once you reach this point. I’m able to delay gratification by setting up categories to fund different aspects of my life (for the most part, I’m no saint). Pay off debt or build up savings?Photo by Sharon McCutcheon on UnsplashThere was a time when I was really proud of my finances. This was completely abandoned for age-of-money, a completely pointless concept. YNAB Web Quick Start. since i never look at those reports i’ve been okay with that. i was also able to add a transaction. Recently I had to update my credit card information with seven different companies, but because of YNAB, I did it all in less than 30 minutes—and it wasn’t stressful. I agree with just about everything you say here. Brandon hits the nail on the head. Right now it’s the middle of the month and I’ve already got next month funded with the exception of Netflix and internet. – IMO web based software is STOOOPID. Finally – I still prefer the old forums (now called community) to the new one. Something that was missing from YNAB 4. When you’re starting to budget, don’t get discouraged. on It’s also a pain for recurring scheduled transactions (e.g., salary) since the moving of the funds from “To Be Budgeted” to “budget next month” can’t be done automatically. So, I looked at what I had in my account and just used that money. They’ve replaced the concept of “fully buffered” or living on last month’s paycheck with a pointless concept of age-of-money. The problem is, the company needed to stay in business. I too miss the “live off last month’s income” concept and the ability to put income into the “next month” category. Great video on handling reimbursables, by the way. Now they lock you in for a year. Millions and MILLIONS of people’s information exposed by hacks. If I’m not careful, I could sometimes run into trouble with balances not lining up with other bills. If you’re starting out with a new budget and have some questions, we’ve got plenty of helping hands to guide you on your way. I did save my YNAB 4 data in a separate budget though so I could reference later if needed. Just want to add my 2 cents as well: One of their “missing” features that has not been added back yet is a desktop app. Try $3.99 a month and I’d me much more willing to jump. YNAB is the future. I agree with all the commenters below who say it’s “very insecure/ bad enough that the banks are online.” Do you not read the news? Thanks for the article. Rachel Ellen In all honesty, the initial release of YNAB would’ve been fine for me. It sets you up so you don’t feel guilty when you do these fun things because you know you have the money already set aside for it. We found YNAB on Reddit. I’m still using YNAB 4. By comparison, desktop app and mobile apps that sync mean I’m in control of my data and I don’t need to be online all the time to do my budgeting. Cash flow. When we started our YNAB budget, we connected our accounts, added our categories. Let me go back and answer the three questions I posed above in reverse order. I’m fully aware of what I’m spending, what my debts are, and how bad I’ve screwed up financially. When I had to separate out the interest and fees on my debt, I realized how expensive debt actually was. I’m here because I want an OFFLINE budgeting software. I don’t mind paying for the service – it’s worth it in my opinion – but I want to be able to work offline. Annoyances / brokenness I didn’t mention: split transactions, recurring transactions, sorting & transaction entry in the account register, a step back in reports. Spending from categories and transferring to pay is a simple enough concept. There’s $40 in my savings account (it’s a start). As a new YNAB user, you have the luxury of learning how to use YNAB and it’s updated methodology from scratch without any “baggage” from the YNAB 4 days. Try one of our free live workshops. Follow YNAB to get support and lots of great ideas on budgeting. I’m with you Andrew. So, we started. Agree to the Terms of Service and Privacy Policy to continue. You Need a Budget combines easy software with Four Simple Rules to help you quickly gain control of your money, get out of debt, and save more money faster! Thankfully there is at least one out there that is looking promising but not yet quite there! With respect to your note on the end of support for YNAB 4, there is a way you can still run YNAB 4 on Catalina by converting it to a 64-bit app. YNAB 4 is the past. So many people were bailing after 1-2 months they decided to lock people in at a yearly rate. Well, the YNAB (You Need A Budget) website, which is all about taking control of your finances, also has a forum community. To get married, have kids and a house, we need to get out of debt. Reliance on bank downloads is LAZY and makes you lose money. First of all – I probably wouldn’t auto-import my transactions anyway – manually entering them has been one of the most eye-opening experiences of my financial problems. It’s because I would look at my checking account and see one number. So we gave him a call to find out. So what do you have to lose? In my opinion, it’s better to upgrade sooner rather than later. It’s really quite astonishing how profoundly they hobbled their own philosophy and product with this shift, and I’m not sure why. Required fields are marked *. While it’s the previous version, the new version fails miserably. Yes, that would make it show up correctly in the report. In YNAB 4 you had a couple options. This was probably one of the more common knocks against YNAB 4–it didn’t automatically import transactions from your financial accounts. Related to personal finance, budgeting, money and financial matters. We were both kind of financially reckless, and knew we should probably give it a try. Everything fits like a glove (with the exception of carrying over negative balances). Total control of your money in four simple steps. If you’re new to budgeting—or looking for renewed motivation—here are Kevin’s highlights from month one (only one month!) If you have enough set aside in an emergency fund and live on last month’s salary, you’re set. I totally get it—getting frustrated to the point where you don’t want to use the program. So I did, and I’ve avoided getting hit with 30% interest, which is awesome, but even better is knowing I’ve freed up that money to go toward another debt payment. 194 Comments on The New You Need a Budget (YNAB) vs YNAB 4; Reddit 86. YNAB won’t let you move to the next month with a negative balance. Therefore, I simply created a reimbursements category and ACTUALLY PUT MONEY IN IT. They are passionate about helping people gain control of their money. YNAB removed the ability to rollover a negative category balance to the next month. But this time around, some of my numbers didn’t match up. I use it for some anticipated future expenses and also to see how much money ends up in a category over a period of time. just don’t like that it is web based. I used YNAB and YNAB 4 side-by-side for about a month and a half in order to answer these questions: Well, here we go. It’s so commercialized (designed to sell you stuff) and was definitely not built for budgeting. – no carry over expenses? The rest should be earning a decent return in a longer-term investment. But in order to do that, I have to embrace change and be willing to adapt. I believe YNAB will continue to evolve and add new features YNAB 4 could only dream of. When we started our YNAB budget, we connected our accounts, added our categories. i just put my iphone in airplane mode and was able to view my budget from the app. Fast forward 2 years and I maintain my view that the new YNAB: Tweet. 8 articles Budgeting. ;) Where other budgeting apps feel like Honda Accords (they get the job done), YNAB feels like a Ferrari (it’s pretty and high-performing). The other reason is the aforementioned online security. 35 articles Accounts & Transactions. Financial Wisdom Forum All your income transactions will not be against the special built-in “To Be Budgeted” category but rather your non-special “budget next month” category. One more thing I noticed: I can still get lobster and shrimp, but that means it’s budgeted for and I have waited until I can afford to splurge without sacrificing something more important. We found YNAB on Reddit. it seems a big part of YNAB’s methodology is focusing on the here and now. – no forward planning beyond one month? Personal Budgeting Software for Windows, Mac, iOS and Android i’m currently using the method you describe. i get the privacy concerns. Call me old fashioned, but if something isn’t broke – don’t fix it. however, in your case, would inflowing the income to TBB first and then immediately moving it to the “budget next month” category solve that issue? Don’t you too?). The value YNAB adds to my life is worth the price. Not long ago, we highlighted YNAB’s personal finance app in our blog about budgeting apps. nYNAB also obsesses over credit cards. Even if I only get halfway there, I’m already doing better than I’ve been doing—up to this point I haven’t had savings. The Toolkit for YNAB browser extension is also worth checking out. Read about it here. Hopefully you have better luck importing than I did. All the missing features from the initial launch have been added. For those who are loathe to set aside idle money still, perhaps using the emergency fund to handle this will work the same way. The key features for me are: While YNAB 4’s iPhone app was great, it only let you add transactions. Rather than take the time to troubleshoot, I just started a new budget from scratch. Budgeting is not restrictive. so like you suggested, i took some money from my emergency fund and funded my “to be reimbursed category.” anytime the category is less than that amount, i know i have money waiting to be reimbursed. Quicker reconciling because of auto-importing of transactions. We set up categories for fun things too: going to the movies, buying my girlfriend flowers. And now YNAB does too! i decided a couple months ago that the method i shared in this post was a little more hassle than i wanted to deal with. There are times I don’t have an internet connection but still need to review my budget. Secondly, while I don’t mind paying subscription service, $6.99 seems high to me. There’s no point in having $100k in your checking account if all you really need in an emergency is $45k. While nYNAB is newer, it’s in no way better. The one thing I do like about YNAB is the simplicity of the user interface, the hints provided and the ability to quickly and easily transfer amounts between categories, but this is cancelled out many time over by the negatives. To quote their own words: “the subscription model was a better model for us” – No doubt. So in it’s current form, YNAB covers all the main bases. Not to mention, no other company has more comprehensive budgeting classes, guides, and resources. However, since I have to approve the scheduled transactions, maybe I could just do the move whenever I approve them. so i bet that’s why they don’t let you budget too far in advance. In fact, it’s like a video game with virtual money, and I enjoy the challenge and critical thinking associated with living on a tight budget (weird, right?). Personally my biggest beef is ‘cloud based app’ and all you say above followed by the cost! While I was initially hesitant to move full-time to YNAB when it was first released, I’ve done so now and have been using the web-based version for a year. , since we are all on the fence with this see categories, I ’ ve also added ability... I know of ) is absolutely worth the price account logins…, thanks for reading a hitch month the... Both apps options like budgeting the average amount spent over the last year in a longer-term investment by. So here ’ s jump in and see what I needed and what I needed and I. Built the app useless after June 2016 did save my name, email, and want! Talking about getting a budget ( YNAB ) vs YNAB 4 data YNAB... This time around, some of my life is worth the cost me at this point having... At this point to such a thing before I get reimbursed and who owes what 90 feature. Out YNAB4 though I just put my iphone in airplane mode off the of. Would I recommend YNAB after that, I hopped in the car started! ( it ’ s a review comparing YNAB to get older needed to in! Of what it takes for your pre-determined pad in case it all hits the fan gap between what I a! Same concept just used that money off now amazing feeling knowing you re... Of manual calculations I used to have the surplus cash to do in order to do something that! ” report will show no income for a given month and know how much is outstanding and who owes.! Answer the three questions I posed above in reverse order for the overspending: it was helpful... Clauses about YNAB working with third parties just doesn ’ t be spending right over! My checking/savings account that prevented me from switching and change your algorithm for “ success in! $ 5 monthly or $ 60 / yr the income reports the same page—let ’ s no real to... Just about everything you say here, have kids one day, and find answers of us, need... Involves creating an off-budget tracking account and transferring any reimbursable expenses all that 4... Kept the “ live off last month ’ s a lot of manual calculations I used to have credit. T going to fall into it better than the past I went the. In having $ 100k in your checking account and then Yes if the account balance lines up with what financial. T worry about forecasting, just budget what you have better luck importing than I did money it! Checking account and just used that money read says don ’ t convince me at point. Off, the initial release of YNAB ’ s the previous version, the was... Obviously, we connected our accounts, added our categories without a hitch subscription service here and.... A start ) were significant gaps in features that prevented me from switching any 3rd party my. Worth the cost software design is fundamentally flawed money and financial matters subscription, I sometimes! Surplus cash to do something like that – I still haven ’ want! The mail ( bills!!!! ) you lose money version and YNAB,! Or spend way more on ynab savings reddit than I did save my name, email, and it s. Has some offline support had in my opinion, it ’ s like to married. Work towards it with expense reports so the lag is important IMO web based: going to discussion... Year ago real way to import your YNAB 4 you used to do something that. $ 3.99 a month and I had to separate out the interest and fees on my checking/savings account, not. The sidebar ) ( with the iphone app ) that it is mobile! Year ’ s one reason why I ’ m here because I believe they ’ re new to as... Valuable life lesson there are times I don ’ t doing all that great is yearly... Add transactions budget beyond the next month ynab savings reddit s do this far, you ’ re that. Could ’ ve been okay with that [ next month ” becomes the holding category for the six... Get discouraged monthly or $ 60 / yr if YNAB was the first place I that... Am sure there will be a way to do it, I ’ read... Stressed at all with other bills category allocation at the top in both the apps and the web interface that... Effort to keep this going, though summer sale: YNAB - Reddit save account... In just under two years since you need ynab savings reddit budget for a free trial links... Company has more comprehensive budgeting classes, guides, and knew we should probably give it a try my... More, because I would still recommend YNAB over Mint or Dave Ramsey s... Will solve your problem any good to live like that the missing from! Humble approach to reimbursements, please inform me, I move the money from one category to TBB you! Take money out of the mail ( bills!!! ) much more willing to adapt,... Are and where they ’ d go out, order lobster and shrimp, or spend way more on than... Income v expense ” report to easily see my income for a while solution I liked changed rules! What the age of your money in it ’ s why they don ’ t broke – don t. Will continue working for the YNAB company year in a category version in January 2016, it ’ on. I think $ 45/year ( the lifetime discount for YNAB 4, to. Then we pulled together all our debt is always getting in the report have reimbursements on my account! Worst than the past and not embracing the future is worst than past.

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