Round 2: How long have you been using YNAB for?
Bonus questions: was it your first budgeting app?
Do you also use a spreadsheet?
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YNAB for many years (at least three) and I still miss it. Then I took a break and lost control of finances and signed up for new YNAB and it’s worked well enough for the last 5 years.
I’d be a nervous wreck spending money if not for YNAB 😅
No spreadsheets for me now but that’s how I started. I created a spreadsheet to emulate the envelope budgeting method. But YNAB categories filled that need and did it better so I switched over to that at that time.
Using it for real since 2020 (had 2 failed attempts to use YNAB4 and nYNAB years ago). I had played around with Mint and I was a Simple bank user (only scratched the surface of their tools).
I’ve been using it for most of the past seven years. I stopped using it and looked for cheaper alternatives at some point, but I realized that with the toolkit ynab is everything I need. If they ever break the toolkit for good I’m gone.
It wasn’t my first budgeting app. I don’t use a spreadsheet.
I’m using it for almost 2 years now and I’ve come to be almost addicted for all money other than investment accounts. I’ve gotten through most of my life without any budget tool. I just had a good sense of how much money was available. I’m amazed at how I’ve adapted to YNAB.
Halfway into my second year. I tell people it saved my life. Married to an accountant for a decade and I never learned to budget for myself growing up. After we split I had a choice to either live paycheck to paycheck or grow up and make a plan.
Spreadsheets, free apps, auto organizing subscriptions… Nothing really worked until ynab and it’s worth every penny.
3 years, I went off of it for 6 months thinking I could just manage it with a spreadsheet. I was somewhat successful but all the convenience YNAB gives you is really worth it and their bank syncing has gotten a lot better over the years.
I’ve been using YNAB for 2 years.
I have a spreadsheet that has over a decade of all transactions and historical net worth. However, I never incorporated an actual budget. YNAB is for the monthly budget and planning future purposes. Spreadsheet is because I need control and like to see our overall financial status.
