Anyone heard of YNAB?
Results 1 to 8 of 8
  1. #1
    Registered User
    Join Date
    Aug 2005
    Location
    Canadian prairies
    Posts
    16,430
    Post Thanks / WTG / Hug
    Blog Entries
    52
    Rep Power
    66

    Question Anyone heard of YNAB?

    It's a budgeting program that seems very intuitive compared to Quicken. It doesn't track investments though...just cash...

    Check here...

    How has it worked for you? I've downloaded a free 60 day trial.

    Jean

  2. #2
    McD
    McD is offline
    Technical Support Sleuth McD's Avatar
    Join Date
    Feb 2006
    Age
    34
    Posts
    6,481
    Post Thanks / WTG / Hug
    Blog Entries
    16
    Rep Power
    47

    Default

    Heard of it, but never used it. Sorry Jean, wish I was more help!

  3. #3
    Registered User
    Join Date
    Feb 2007
    Posts
    486
    Post Thanks / WTG / Hug
    Rep Power
    16

    Default

    Lots of people on the unsactioned Dave Ramsey forums (Living like no one else - you would have to goggle it - is not a competitor of this site and only talks about Dave Ramsey's method but this site won't let me type in the address as it see's it as spam) use it and love it.

    Our budget is very simplistic and thus a formal method is not used in our house, but I know lots of folks over there use it.
    Last edited by Denvergirlie; 10-26-2008 at 12:43 PM.

  4. Remove Advertisements
    FrugalVillage.com
    Advertisements
     

  5. #4

    Join Date
    Sep 2002
    Posts
    1,401
    Post Thanks / WTG / Hug
    Rep Power
    0

    Default

    nope but thanks for the info

  6. #5

    Join Date
    Jan 2006
    Posts
    14
    Post Thanks / WTG / Hug
    Rep Power
    0

    Default

    How has it worked for you? I've downloaded a free 60 day trial.

    Jean[/QUOTE]


    I see where it says 60 day trial but when I go to check out it says $24.95. Can you help me?

  7. #6
    Registered User
    Join Date
    Aug 2005
    Location
    Canadian prairies
    Posts
    16,430
    Post Thanks / WTG / Hug
    Blog Entries
    52
    Rep Power
    66

    Default

    Quote Originally Posted by Ashlncle View Post
    I see where it says 60 day trial but when I go to check out it says $24.95. Can you help me?
    Check the banner ad at the top of the order page. There should be an order button to your right. At least, there used to be on mine, but it's gone now. I suspect it's because I've already downloaded it onto my computer.

    Jean

  8. #7
    Registered User
    Join Date
    Jul 2008
    Posts
    6
    Post Thanks / WTG / Hug
    Rep Power
    0

    Default

    The free trial of the YNAB Pro version can be found at: www download com/You-Need-a-Budget-Pro/3000-2057_4-10622344.html (Had to get rid of the dots in the first part because the forum doesn't like them...)

    I don't think there's a free trial of the Excel version. (It's basically a fancy spreadsheet from what I can gather.)

  9. #8
    Registered User
    Join Date
    Nov 2006
    Location
    nowhere
    Posts
    179
    Post Thanks / WTG / Hug
    Rep Power
    13

    Default

    peanut, I have YNAB Pro, and I love it. For me, it was worth every penny. It takes a little bit of a change in thought process, to get used to the idea of the buffer, if you aren't used to that way of thinking. I've always been the type to operate with a cushion in the checking account anyway, so it wasn't too much of a switch to round that out to the idea of using last month's income for funding this month's expenses. Jesse maintains that keeping a one month income buffer can mitigate a lot of unexpected financial hardships. It's kind of an expanded version of Dave Ramsey's EF. I find it works very well for us, because our potential emergency expenses are higher than Dave's $1000 EF recommendation.

    The program is easy to use, and you can import transactions directly from your bank accounts and credit cards (if you have them). The YNAB forums are very good too, and you can find answers to most questions about how the program works. It takes a little bit of getting used to, to learn how to enter transactions so that they are correctly reflected in the budget. But, this is one of the most powerful features of this program--the budget is updated in real time, as you enter your expenses. You can see immediately if you are going over in a budget category, and need to move money from another category, or cut back spending. Once you get the hang of it, it is very simple to keep track of all expenses and your budget at the same time. I love it, and credit the use of YNAB with at least part of our success this year. Since Oct 1, 2007, we've paid down over $18,000 in CC debt and $16,300 of a HELOC, plus saved $7000. On one income. And part of that success is because for the first time in my life, every penny of our income is accounted for.

    I'm actually looking forward to doing our taxes for the first time in ages, because everything is already right there, categorized.

Similar Threads

  1. Any thoughts on "YNAB" software for budgeting?
    By knitnmom in forum Debt Reduction & Money Management
    Replies: 3
    Last Post: 03-22-2011, 07:30 PM
  2. Ynab?
    By Nishu in forum Debt Reduction & Money Management
    Replies: 14
    Last Post: 01-31-2011, 04:16 PM
  3. YNAB decision
    By peanut in forum Debt Reduction & Money Management
    Replies: 8
    Last Post: 01-06-2009, 12:37 PM
  4. Anybody heard of this?
    By guest56464 in forum Freebies
    Replies: 0
    Last Post: 04-26-2007, 06:41 PM
  5. have you ever heard of this before
    By justpeachy92 in forum General Chat
    Replies: 29
    Last Post: 01-28-2007, 01:08 PM

Tags for this Thread

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •