I have been using YNAB for 3 years now and it has been my financial saving grace. I don’t know how I kept track of finances before I downloaded this app! The price is worth it.
YNAB has changed our financial lives. Budgeting FINALLY makes sense. The app is great, as is the web version.
I never write reviews but I am a YNAB believer! This app has been completely life changing in the way that I view and use my money! There’s is definitely a learning curve but stick with it and watch the videos on YouTube. I promise you’ll be so grateful that you gave it a shot!!
I have used YNAB for a year and it is a top 5 reason my financial wellness is great. It’s a mindset first and an app second. You learn to prioritize where the money you have actually goes but you still have flexibility if an expense sneaks up on it. It also forces you to feel the real pain of debt! The app has never been buggy nor has it crashed.
I have tried Mint a few times, pen and paper more then a few times, and always ended up back to sort of budgeting in my head. I started using YNAB in September 2019. It took a couple of weeks and lots of YouTube videos to figure out, but once I got the hang of it I love it and recommend it to anyone!!! I have never felt this good about handling money as I do now!
I signed up for YNAB years ago, back when you’d pay a one time fee to download a program directly to your computer. It was a revolutionary concept - envelope budgeting, or as YNAB says, “Give every dollar a job”, was game changing. Not only was the theory of assigning money to spending categories perhaps the most effective way to budget, but their program was amazing. On top of that, you could share your license with friends and family - they actually encouraged it. Jump ahead a couple years and YNAB decided to become a SaaS company. They decided to no longer offer their downloadable program (although if you still had it, lucky you). To cut costs and improve their feature release processes they switched to a web-based app and at the same time they hiked their prices. The only problem was, compared to the program they used to sell, the SaaS application was a steaming pile of broken code that lacked a lot of the features they previously has. Skip to now and YNAB has decided to pair with iTunes to manage their horrendously expensive subscription. Scan their support center and you’ll see there are dozens of complaints about their broken billing system, and worse, the app doesn’t seem to do nearly as well as their original product. I was thinking of coming back to YNAB, but alas - how the mighty have fallen. What was once a revolutionary new way to budget has become just another overpriced and aggravating app.
The functionality in the app offers just the right tools for making adjustments on the fly. I appreciate that it makes small actions easy to take care of on a mobile platform rather than trying to copy the web app experience
YNAB has been my go to budgeting app for years now (and I’ve tried them all). Pick YNAB - you can’t go wrong!!
Been doing YNAB since the new year. Restarted the budget in Feb and have been reconciled since! I found the book first and definitely recommend reading that first or in conjunction with starting the app. In the midst of the whole quarantine stuff, our family’s money is at least 30 days old and we were able to deal with buying a new washer and dryer (which we were saving to get in Sept) With cash. If you have not looked at it, HIGHLY recommend it! Not only do you get the app, but a whole support and education structure. Love this app and mindset.
It’s funny to want to start budgeting and tracking your spending habits and to use an app to do so that has a monthly subscription. The idea is to save money not spend more than you have or are willing to spend. The app gets five stars because it’s a well designed and useful tool. My review is four stars simply because the monthly subscription model contradicts having a budget.