Is YNAB (You Need a Budget) worth $60?

Narnia_girl

He's not a tame lion, but he is good.
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May 11, 2009
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I've looked over this software and it looks great, but I can't find any deals on it. I've checked Steam and it's not on sale there.

I can get a free trial for 34 days. I thought I could download that and hope it goes on sale before the trial is up--but will all my data transfer from the demo to the live version?

Any other tips to save on this software?
 
I've looked over this software and it looks great, but I can't find any deals on it. I've checked Steam and it's not on sale there.

I can get a free trial for 34 days. I thought I could download that and hope it goes on sale before the trial is up--but will all my data transfer from the demo to the live version?

Any other tips to save on this software?

If you do a search, they will give you discount for being a member of the DIS. Search on the Budget board for information (I don't remember the details). I love YNAB. And yes, things will still be there if you go from the free trail to the full version (the versions are identical, as far as I recall).
 
Yes. It really changed the way I look at money. I had been using Quicken for years, but I never really could figure out a budget. I would always fudge things or leave things out of the budget. Now, I know where our money is going and how much we really spend on everything.

I got it last year and it has taken about a year to figure it out and get to the point where this month's money is going to next month.

I love it.
 
Thanks for the input! I'll download the trial tomorrow and hope for a discount before that runs out. And I'll look around for a DIScount. :)
 

Love it! You won't regret it at $60 or at a discount.
 
It is absolutely worth it, even at $60. I use it with the iPhone app and am able to not only keep track of expenses, but it's really worked to keep us on budget and off of living paycheck to paycheck. Make sure you take advantage of their free classes. Very helpful.
 
What I did was download the trial and then attend the free webinars. They give away a free copy of YNAB at each webinar. I won a free copy and so did one of my friends before our trial expired. Even if you do not win the webinars are great to help you understand how the budgeting program works.

We started YNAB last March. It took 3-4 months to really get a handle on our expenses. Bills we forgot about would show up so a bit of moving the categories around for awhile. We were able to pay off all debts except for mortgage which was a good thing since my husband was laid off last October. if we had not been using this program I do not know what we would have done! But since we were prepared we have been able to handle everything with little stress.

I would pay full price knowing what I do about the program. It was an eye opener and a life saver!
 
/
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.
 
Love it! You won't regret it at $60 or at a discount.
Good to know!

It is absolutely worth it, even at $60. I use it with the iPhone app and am able to not only keep track of expenses, but it's really worked to keep us on budget and off of living paycheck to paycheck. Make sure you take advantage of their free classes. Very helpful.
I'll download the iPhone app--thanks!


What I did was download the trial and then attend the free webinars. They give away a free copy of YNAB at each webinar. I won a free copy and so did one of my friends before our trial expired. Even if you do not win the webinars are great to help you understand how the budgeting program works.

We started YNAB last March. It took 3-4 months to really get a handle on our expenses. Bills we forgot about would show up so a bit of moving the categories around for awhile. We were able to pay off all debts except for mortgage which was a good thing since my husband was laid off last October. if we had not been using this program I do not know what we would have done! But since we were prepared we have been able to handle everything with little stress.

I would pay full price knowing what I do about the program. It was an eye opener and a life saver!

It is a little confusing, but I'll do the webinars--hope I win one!

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.

Thanks for your honesty--I really appreciate it. I am actually more like your husband, so taking charge of this is a learning experience and challenge for me.
 
Good to know!

I'll download the iPhone app--thanks!

It is a little confusing, but I'll do the webinars--hope I win one!

Thanks for your honesty--I really appreciate it. I am actually more like your husband, so taking charge of this is a learning experience and challenge for me.

I think it's great that you're taking charge of it and especially since you're more like my husband!

It can be confusing at first but I'm sure you'll pick it up in no time. They have forums over there too that you can read and ask questions if you get stuck on something. Super helpful group of people.
 
I use it. I ended up paying the $60. They had a sale on New Years Day for one day only and it was $15(I missed out). That is the only sale I've heard of.

I tried the free budget programs available and did not like them. This program does exactly what I wanted. I took the classes and didn't win a free copy.

It used Dropbox to sink all of your technology. It's nice being able to use the phone app to enter things immediately when purchased.

If you have a windows phone they do no have an app at the moment. (DH has one and can't enter stuff he buys so he just texts me so I can enter it)
 
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.

~*~*~*~*~*~

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.
 
Why spend money on it when Mint.com is free and does all the same stuff?
 
I signed up for the free trial last year and loved it. It didn't go on sale and I didn't win it so I bought it. A few months later, I then got to where I didn't want to know where my money went because I was spending like crazy. Once I realized why I was spending too much, I quickly did a reset and now I'm back with it. I hope I don't ever do that again. It is way too costly when I don't use it!
 
Mint is not even close and neither is a notebook. I have tried both, plus many other ways (including XCel, Quicken, etc, but YNAB is by far the best for keeping it in the forefront of your mind. It is totally worth 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.

I found 10% off ($6) on Retailmenot, so if I don't win a copy from the webinar (I'm signed up for Tuesday) I'll use that coupon code. Thanks for the idea!


Why not save your $60 and get a regular old notebook and write out your budget?
At my job I use Quickbooks and I love how it can easily categorize and calculate. YNAB appears to be similar. I am not a math person at all, so any help I an get with numbers is great.

It used Dropbox to sink all of your technology. It's nice being able to use the phone app to enter things immediately when purchased.

If you have a windows phone they do no have an app at the moment. (DH has one and can't enter stuff he buys so he just texts me so I can enter it)
good idea!


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)

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.

Sorry about your wreck. :( Looks like a good, but tough lesson for your girls.

Why spend money on it when Mint.com is free and does all the same stuff?
Actually this is the first I've heard of mint!


I signed up for the free trial last year and loved it. It didn't go on sale and I didn't win it so I bought it. A few months later, I then got to where I didn't want to know where my money went because I was spending like crazy. Once I realized why I was spending too much, I quickly did a reset and now I'm back with it. I hope I don't ever do that again. It is way too costly when I don't use it!

I'm going to try to stick with it!


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