I'll be the lone dissenter, sort of, but I'll also explain why.
I've used it and think it's a great tool, when both spouses are on board and in agreement. My husband isn't on board with it.
Except for making sure his check is direct deposited every Friday and having a debit card to use at will, he wants absolutely nothing to do with our finances. He doesn't want to know who we owe, when anything is due, how much we owe, how much we have in savings, what we have invested for retirement or what our budget looks like for the week. He's been this way for 15+ years, there's just no changing him.
He doesn't keep receipts, write anything in the check register or tell me when he's purchased something so I was always having to make adjustments. It was just too frustrating for me so I quit using it.
If you search for it on Retailmenot you can find codes for it. I still think it's a good program, just not a good fit if you have a spouse like mine.
My challenge with it is somewhat similar, except my husband is interested in knowing where things go and how much we owe to whom- but he doesn't keep receipts, doesn't really think about where the money he's spending is going and how it's affecting things, doesn't think that getting breakfast out everyday or $20 on a lottery ticket will make a difference, and complains when things got paycheck to paycheck or I moved money from savings to cover the surprise expenses. It nearly always ended up as an argument when we discussed finances because we just weren't speaking the same language and he has very little self control. Basically never accepting that he had any part of the crappy finances, but wanting to know where everything was going.
I was EXTREMELY nervous about downloading and using YNAB, I just wasn't sure if it would be a good translator for us. Our Quicken account is set to "expire" and stop downloading so I used that as an excuse to look at other programs. I gave him a few names to look at and he agreed to give YNAB a try. We sat down the first weekend of Feb and started working with it- he wanted to put in all the transactions from the Jan 1, so it took a bit longer. Then we sketched out payments for things, created and deleted categories and he began to see where things were. We downloaded the app to both of our phones.
It has been 2.5 weeks and I am cautiously optimistic. We're still working on getting in the habit of putting in expenditures as soon as they happen, that will take some practice since most of our money goes out in the form on bills paid online. But seeing that budgeted amount go down when we spend really is a great visual for him (and me, but I at least feel like he understands what I was saying better)
Why not save your $60 and get a regular old notebook and write out your budget?
Because for people like my husband, it doesn't work unless it's right in front of him all the time. I have pages and pages of notebooks that we had written out our budget and where the money was supposed to go and randomly we'd have no money because when he checked the bank account online it would look like money was there. For example, one of the checks I sent out on the 6th hasn't cashed yet (it's the 20th today)- if he checked the bank account, he wouldn't think about that $115 check, and with the budget on a notebook sheet at home, or in an excel sheet on one of our computers, it's very easy to think the $8 for lunch won't mess anything up. As we get used to using and looking at the YNAB app, he can open that from his phone and see that we have $34.78 left budgeted towards dining out and he can have his lunch out. Or he can see that we have $7.48 left budgeted for dining and know he has to go to Chipotle instead of Panera.
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We did end up purchasing the full product, at the $60 price, which ironically we didn't budget for. lol I'm cautiously optimistic. It's helping my husband and I to speak the same financial language since it's not really open to multiple interpretations. It's also helpful to show my girls and have discussions about money etc. I think the financial language they speak is closer to their dad's. We had a car accident two weeks ago that wrecked not only our vehicle, but our summer vacation plans. In a fit of frustration I pulled open YNAB and showed the girls exactly how ALL of that vacation money had to go towards a new vehicle since what the ins paid out wouldn't cover one. Then I had them work out the math of what we would need to save per month extra to be able to go on vacation, and then look at the budgeted amounts (fixed and flexible) and see if they could come up with it. It made more sense to them now why mom was saying the vacation wasn't feasible.