quiltedbrain
Full Member
Posts: 429
Jun 26, 2014 3:34:53 GMT
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Post by quiltedbrain on Aug 13, 2014 14:20:50 GMT
If so, do you find it helpful? Have you used the mobile apps with it?
I've been sort of budgeting on paper for years now, but would like to get more serious about it and thought a pre-packaged budget/planning tool would help me stick with it. I've only been working with it one day, but the free trial is only good for a month, and I'm worried that won't give me enough time to really get a feel for it before I have to pay.
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Post by alibama on Aug 13, 2014 14:28:26 GMT
I have been looking for a budget app so I would love to hear more about it.
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Post by chances on Aug 13, 2014 18:43:00 GMT
Yes! I absolutely love it . I use the android app and it's so convenient . My favorite thing about the app is the GPS feature. It knows what store I am in based on my location. It literally takes 2 seconds to enter in the amount ( the rest is pre populated).
My favorite thing about the program is doing a zero based budget. Making decisions about where my money is going before I spend it has really helped my finances. I have a bad habit of spending too much on take out. When I go to enter the transaction in my phone, I see I have $6.97 left in my eating out category for example. Now I make a decision about if I want to move money from another category or not. It's flexible but based in reality.
You can try the program for free for a month, give it a try!
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Post by alibama on Aug 13, 2014 19:06:50 GMT
Thanks for the info chances I am going to look that up after work tonight. |
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Post by chances on Aug 13, 2014 19:10:18 GMT
I've only been working with it one day, but the free trial is only good for a month, and I'm worried that won't give me enough time to really get a feel for it before I have to pay. I believe the trial is 30 days of use. So if you have it on your computer for 2 months, but only open it 3 times, your trial is still active. That's how it was when I signed up and may have changed. The development team is small at YNAB and they definitely understand that it can take people awhile to get in the habit of using the software. |
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Post by chances on Aug 13, 2014 19:12:20 GMT
Thanks for the info chances I am going to look that up after work tonight. awesome! let us know what you think. |
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Post by alibama on Aug 14, 2014 17:19:11 GMT
Thanks for the info chances I am going to look that up after work tonight. awesome! let us know what you think. I downloaded the app last night but have not had much time to play with it. I am going to try and get it set up over the weekend. This is something I really need to do! |
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Post by chances on Aug 14, 2014 17:24:58 GMT
The message boards are very helpful for newbies. My main piece of advice is to start with your current balances and move forward. Many people get caught up in wanting to import previous transactions or start on a particular day. The beauty of YNAB is its ease of use. How much money do you have today? Okay, let's get started!  |
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Post by Yoki on Aug 14, 2014 17:43:55 GMT
I used GoodBudget for a few years both as an app on my phone & at the computer. It's based on envelope budgeting and I believe it's free. I really liked it.
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Post by stampinbetsy on Aug 14, 2014 21:07:37 GMT
I wish the ynab app had a little more functionality as far as being able to change budget categories, but I like the software. The message boards are super helpful.
What some people find difficult about ynab is changing from forecasting to budgeting only money you actually have.
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Post by Annie on Aug 16, 2014 19:09:25 GMT
Just thought I would throw this out there. I had looked at YNAB sometime last year, but didn't want to purchase it. I just found out that back in March, they began offering it free for students, even part timers. You have to have it reauthorized every year however. I graduate in December, but I figure getting the student version now will help me decide if I want to purchase the full software after I graduate. Hope it helps somebody out.
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