YNAB
Reddit take
Not enough linked mention summaries yet; the source excerpts below are the evidence.
Pros
- I use YNAB and pay for everything with cards not cash. Helps me know where every penny goes.
- YNAB shows me that for some of my worst months im paying a second car payment in fast food. each month.
- YNAB is worth the money
- I use an app (YNAB now, EveryDollar free version before). Without an app or a spreadsheet I would have no idea where the money goes.
- Check out an app called YNAB (you need a budget). You can try it free for a month and then you have to pay, BUT it has been a game changer for me in terms of understanding where my money is going, how I allocate it, AND how much money I...
Cons
- YNAB is solid but the subscription cost always bugged me lol. I ended up just making a basic spreadsheet that does the job
- Actual Budget allowed me to ditch my YNAB subscription.
- I liked YNAB but i hated entering every transaction and categorizing every $6 swipe for a beer, just to see where I was overspending and burning money away anyway.
- I've tried spreadsheets and even played with tools like YNAB and Actual, but I find them hard to stick with — and I’m the only one managing it.
Sentiment
8 positive (67%) · 1 mixed (8%) · 3 negative (25%)
Trust + time weighted score: +46% · raw score 42%
What redditors said (10 of 12)
I use YNAB and pay for everything with cards not cash. Helps me know where every penny goes.
YNAB shows me that for some of my worst months im paying a second car payment in fast food. each month.
YNAB is worth the money
YNAB is solid but the subscription cost always bugged me lol. I ended up just making a basic spreadsheet that does the job
I use an app (YNAB now, EveryDollar free version before). Without an app or a spreadsheet I would have no idea where the money goes.
Actual Budget allowed me to ditch my YNAB subscription.
Check out an app called YNAB (you need a budget). You can try it free for a month and then you have to pay, BUT it has been a game changer for me in terms of understanding where my money is going, how I allocate it, AND how much money I could put toward my debt without needing to continue to charge things to the CC.
We use YNAB budgeting app and he has a widget with his fun money budget on his phone home screen and it helps him a lot!
However, I have used YNAB to budget and review spend by category to find out I was spending like crazy on groceries, so I cut back.
I liked YNAB but i hated entering every transaction and categorizing every $6 swipe for a beer, just to see where I was overspending and burning money away anyway.