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YNAB - Anyone use it
Posted on 12/30/23 at 10:56 am
Posted on 12/30/23 at 10:56 am
Looking to use budgeting app. Any other recommendations
This post was edited on 12/30/23 at 10:56 am
7
Posted on 12/30/23 at 1:14 pm to glorymanutdtiger
Been on it since 2017. Someone from the LSU crypto telegram group back in the day got me started. Even when I’ve tried to leave it I always go back.
Posted on 12/30/23 at 8:06 pm to glorymanutdtiger
Don’t want to get hijack, but has anyone used co-pilot and how does it compare to other popular apps (mint, ynab, etc)?
Posted on 12/30/23 at 10:55 pm to glorymanutdtiger
I've used it since 2015. There can be a slight learning curve but nothing drastic. I like how it gives freedom to move money around after you assign it. Auto movement for CCs and you can set up your mortgage to auto calc PITI assignments. Much more. I like it. Wife had Dave Ramsey's app for a bit and it was trash imo, expensive and limited in functionality. Mint no longer operates.
Posted on 12/31/23 at 7:28 am to glorymanutdtiger
Highest recommendation
Posted on 12/31/23 at 3:43 pm to glorymanutdtiger
I've been using YNAB since ~2005 when it was in spreadsheet form. (Yes, I am old :)). I've tried other programs but nothing beats YNAB depending on your financial goals.
What are you trying to achieve with YNAB?
What are you trying to achieve with YNAB?
Posted on 1/2/24 at 10:36 am to glorymanutdtiger
Monarch is pretty awesome. I’ve used Mint in the past, then tried YNAB and it’s solid too. I recently switched to Monarch and it’s much slicker than YNAB. It does a lot of categorizing for you and you can create rules moving forward to make everything a lot more automated. So that you don’t have to manually categorize every transaction; it’ll do a lot for you.
They also are running a promo code MINT50 to give you 50% off the first year. Normally it’s $99. Knocks it down to $49.
They also are running a promo code MINT50 to give you 50% off the first year. Normally it’s $99. Knocks it down to $49.
Posted on 1/2/24 at 11:23 am to CrystalPreserves
Ever have issues with accounts syncing at Monarch? I’m trying it out, but it’s not working well with my bank at the moment. I think it may be an issue on my bank’s end, but not sure yet.
Posted on 1/2/24 at 12:55 pm to WDE24
Yeah I remember on initial setup adding my accounts I had a couple that didn’t want to sync for some reason, but I tried again the following day and they did sync and haven’t had any hiccups other than that at the beginning.
Posted on 1/3/24 at 11:53 am to glorymanutdtiger
I'm on day 2 of using Monarch Money and I've been impressed with the ability to connect accounts so you can see your net worth, categorize your spend, see recurring costs, etc. I haven't gotten to the budgeting part yet.
Posted on 1/3/24 at 1:38 pm to Mom2KandK
I'm trying to use it for budgeting to help where my money is going. I'm more concerned to show my family that every penny adds up.
I want to have data to have some meaningful conversations to improve our spending.
I want to have data to have some meaningful conversations to improve our spending.
Posted on 1/3/24 at 4:46 pm to glorymanutdtiger
quote:Monarch has already done that for us by getting all credit cards, loans, etc., in one place. We plan to open our finances to our children to educate them on personal finance, and Monarch will be invaluable.
I want to have data to have some meaningful conversations to improve our spending.
Posted on 1/3/24 at 9:08 pm to RoyalWe
Does it handle uploading a store bill like Target as credit cards don't care about the itemized billing?
If my family spent 200$ at target and I cannot handle the itemization, there is no way for me to tell if 200$ is junk food or something we need.
If my family spent 200$ at target and I cannot handle the itemization, there is no way for me to tell if 200$ is junk food or something we need.
This post was edited on 1/3/24 at 9:16 pm
Posted on 1/4/24 at 12:05 pm to glorymanutdtiger
quote:I haven't seen anything that suggests it will take an itemized receipt. The automation is electronic via the internet and various services.
Does it handle uploading a store bill like Target as credit cards don't care about the itemized billing?
The situation you describe is not something that I worry about. I get what you're saying, but if you think money is being spent improperly, you should address that directly with yourself or your spouse. The software doesn't mediate family disagreements.
Posted on 1/11/24 at 9:20 pm to RoyalWe
I have used it since 2011. I think it is a significant reason why I have a healthy marriage.
Posted on 1/11/24 at 9:44 pm to glorymanutdtiger
quote:
Does it handle uploading a store bill like Target as credit cards don't care about the itemized billing?
It certainly won't do it automatically.
quote:
If my family spent 200$ at target and I cannot handle the itemization, there is no way for me to tell if 200$ is junk food or something we need.
You either get an email receipt from the retailer or keep you physical receipt - YNAB will let you split the transaction if you know what goes where.
Posted on 1/12/24 at 10:13 am to Ace Midnight
I used YNAB for a year and loved it. Then, for whatever reason, I got out of the habit of giving it a daily "touch-up" to keep things in order. Missed a month. Went back and spent more time than I liked to get it smoothed out again.
That happened a couple of times and it just turned into more effort than I was willing to deal with. So, I cancelled it.
Totally MY fault and not YNAB's!
I'm thinking about trying it again, but going to look at Monarch Money this weekend, as this thread is the first I've heard about it. Website looks nice and a 7-day free trial, plus coupon code, definitely piques my curiosity.
I can tell you that my finances were cleaner and in better shape with YNAB than without. You just have to put in a lil work, no matter how automated it can be. It IS your finances.
That happened a couple of times and it just turned into more effort than I was willing to deal with. So, I cancelled it.
Totally MY fault and not YNAB's!
I'm thinking about trying it again, but going to look at Monarch Money this weekend, as this thread is the first I've heard about it. Website looks nice and a 7-day free trial, plus coupon code, definitely piques my curiosity.
I can tell you that my finances were cleaner and in better shape with YNAB than without. You just have to put in a lil work, no matter how automated it can be. It IS your finances.
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