It’s well-made software, the tech support is good as is the plentiful guidance, and there are great support communities here on Reddit and on Facebook. I don’t consider the $100 a year to be excessive. Expensify Receipts & Expenses tracker best Budget App for iOS. Pocket Expense 1 Personal Finance Assistant iOS App. Two months later and a lot of work and prioritizing, I am down to one storage unit. Best Budget Apps for iPhone, iPad, iPod Touch. Yes, I know, two storage units is ridiculous and even one is, but no matter, I had two and they were full. Then was horrified a week later that I had not budgeted for my two storage units. I paid for my mom’s and my breakfast and let the rest of the family fend for themselves - and noted that none of them picked up the check for each other. I thought about how much money I had put in my eating out category. In the past I would have picked up the check, not that anyone couldn’t afford it but just to be generous. Two examples: The day after I started YNAB I went out for a family breakfast. My first couple of months have been a bit rough as I want to fund all of my categories right away! But I don’t have the money to do it right away so need to see where I can save and then actually save. YNAB enables or forces you to see the trade-offs you are making when you spend money. Justified expenditures - “I deserve this” - without confirming that I could afford them. Paid bills on time but used credit card too easily. Perhaps like you, I’ve had “enough” money for much of my adult life to kind of wing it. I’m over 60 and I’m already saving from two months of using YNAB. They provide several different plans, two of which provide greater support for more advanced financial functions, like investing or running a small business.Įach can work well for you, depending on what your situation is, and the financial goals you hope to achieve going forward. It’s an excellent budgeting platform if you’re looking to build a basic foundation for your finances. YNAB focuses additional efforts on helping you to get out of debt, as well as saving money. Both provide budgeting, and give you the ability to take greater control of your finances. There are numerous similarities between the two platforms. YNAB and Quicken are two of the most popular budgeting platforms available. I personally create my budgets using Excel. I would suggest Quicken (which is a subscription) as it will deliver really well-designed software that is probably easier to understand and use than Mint, which (while free) isn’t as fully featured.įree is good, but there are trade offs. Here, please treat others with respect, stay on-topic, and avoid self-promotion.Īlways do your own research before acting on any information or advice that you read on Reddit. Get your financial house in order, learn how to better manage your money, and invest for your future. Banking Megathread: FDIC, NCUA, and your cash.Private communication is not safe on Reddit. Scam alert: Ignore any private messages or chat requests.
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