YNAB (You Need A Budget) - Budgeting Tool - 4 Month Free Trial Instead of 34 Days (Normally US $6.99/Month)

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tlaing on 30/06/2018 - 08:08 stacksocial.com (515 clicks)

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Make money woes a thing of the past with help from a tried-and-true money management method! You Need A Budget is an award-winning software that helps you gain total control of your money to get out of debt and start saving for the future. YNAB works by giving every dollar you make a job, providing you with a visual understanding of the money you make, the expenses you have, and all those little splurges you make. When you can see your money, you can control it better, and that's what YNAB will help you do.

Connect your account & budget every dollar into simple, sortable categories so you know what you can spend
Set a goal for the amount you need to save for big, future expenses & track it in real-time
Figure out how much you need to save every month in order to cover big expenses
Move budgeted funds easily to cover areas in which you overspent

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You Need A Budget

• 

  wengerboy on 30/06/2018 - 08:31

  I think i will check this out, its really popular and highly recommended with budgeting and FIRE nerds.

• 

  Grandpipe on 30/06/2018 - 08:33

  Ive been using this for a few years now. Excellent, but requires some time and some dedication from the user to possibly change their mindset on how to budget.
  I guess a downside is you'll see how much you spend via ozbargin purchases :)

  • 

    chyawala on 30/06/2018 - 09:19

    It was only $20 to buy outright before, not based on a monthly subscription.

    • 

      AnneFagit on 30/06/2018 - 11:01

      All the old stuff is still available for use but they no longer update it. I'm still using YNAB4 and it's essentially a glorified spreadsheet but useful tool to pick up and start using immediately. Good tool for starters.

      • 

        Elijha on 30/06/2018 - 15:45

        Yep so on a Mac when the OS goes 64 bit it will stop working.

• 

  srip on 30/06/2018 - 08:34

  How do I use the refferal link. Please help.

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  its on 30/06/2018 - 08:36

  +3

  no need to go via StackSocial

  Just go to: https://www.youneedabudget.com/landing/stack-social/

  • 

    srip on 30/06/2018 - 08:39

    Thank you.

• 

  burningrage on 30/06/2018 - 08:49

  I have been using MS Money for more than 5 years now. It has been serving me well considering free software and caters for business with the major drawback being it is quite old school and non-cloud meaning I cannot bring it to my Android to see. It also doesn't have attachment feature.

  To support this and somehow bringing in the added-in cloud benefit, I got myself the NumReceipt for Android because it has a decent working OCR feature which will scan my receipts which is excellent should I want to recall past expenses as such. However, NumReceipt is at best, clunky and a work in progress but it is working.

  Together, they sort of help each other but not integrated in any way meaning my MS Money is my Single Source of Truth for all revenue and expenses while NumReceipt is primarily used to receipt keeping and run-rate monitoring (eg: $100 a day budget which you can see through its calendar)

  This is probably where YNAB can come in. It is cloud and for personal financial management seems to suffice albeit AUD$10 a month after the trial. I don't know about the Reporting in YNAB but MS Money reporting is relatively good if you know how to customize it. I don't see any OCRing with this software so I am probably thinking this may not be suitable alternative to MS Money - NumReceipt combination as yet. Not sure if there is an attachment feature too.

  But the cloud feature is quite interesting so I'll check it out.

• 

  srip on 30/06/2018 - 08:57

  Looks like I can link only US or Canada banks :C

• 

  ocoolio on 30/06/2018 - 08:58

  +3

  From today I'll be improving my budget by saving US$6.99/Month on YNAB, even after the trial period.

  That's an extra 950 band aids each month.

  Nailing it.

  Just get PocketBook? It's free, it's Stran, it's being actively developed.

  • 

    j1nk0r on 30/06/2018 - 09:18

    +1

    I’ve tried. It’s a non-starter if you want to split transactions across multiple budget categories. One day, maybe

• 

  eleon00 on 30/06/2018 - 08:58

  +1

  This is the best budgeting tool I've used so far. You do have to change your perspective of budgeting and might be cumbersome at first but definitely worth it. Some tools have bank sync and I was looking for that feature when I started using ynab. But the main point of recording it manually is to be aware of how money is spent. Once you are aware, it is easier to sneak in small savings here and there and before you know it, you're a month, two months ahead of bills and you're not as stressed with money anymore.

• 

  Snapkop on 30/06/2018 - 09:14

  I've been using buxfer. It's not as feature rich but one of the only ones that sync with all my and my accounts (about 12 in total).

  I run this concurrently with Ms money. Once setup it really takes less of the 10%effort that Ms money takes.

  Ynab, pocketsmith, pocketbook etc all good not connect to all my super funds, bank accounts (different countries).

• 

  [Deactivated] on 30/06/2018 - 09:31

  +1

  It doesn't connect with many Australian banks does it?

  • 

    [Deactivated] on 30/06/2018 - 09:46

    +1

    It does not. Australian banks have yet to rollout API's for such applications to operate safely.

    • 

      manshrew on 30/06/2018 - 10:31

      You can use Pocketbook for a few Australian banks. It doesn't do the same as YNAB, but you can definitely use it to track spending.

      • 

        [Deactivated] on 30/06/2018 - 16:14

        How about money brilliant

• 

  TightAssDude on 30/06/2018 - 11:35

  Have been using YNAB for around 5 years. Hands down best budgeting software around.

  • 

    [Deactivated] on 30/06/2018 - 16:14

    How about money brilliant? I'm considering to try…

• 

  alaric on 30/06/2018 - 12:00

  Thank you. I just signed up for it.

• 

  larryhudson on 30/06/2018 - 14:32

  I just paid $110 for a year a couple of days ago :-(

• 

  phidj003 on 30/06/2018 - 17:49

  Do you need to create a StackSocial account to get the four month trial - ie. is it a code or something?

• 

  bennythejet on 30/06/2018 - 19:34

  +2

  I started using YNAB on a 3 month free trial back in Feb 2018 and just paid for the 12 month subscription to keep using it. I'm married with 2 kids and was sick of treading water with our finances and seemingly never being able to pay off credit card debt. Something had to change and after reading some positive feedback about YNAB I thought a 3 month free trial couldn't hurt.

  Fast forward to now…I have money set aside each month for mortgage, bills, etc. and we're well on target to pay off our $6k credit card debt by November (an achievable goal we set oursleves).

  It didn't all click straight away. It took about 2-3 months to get my head around the way it all works. Once I did, I was able to look back at the end of the free trial and see that we were in a better financial position than when we started which was my reasoning for continuing with it.

  The only negative is the fact you have to manually enter each individual purchase. My advice is to try to do this on the go (via the phone apps) or at the end of each day. Trying to catch up after a few missed days is pretty tedious as purchase dates don't always match your bank statement dates (payWave purchases take a few days to actually clear).

  It may not be for everyone but it certainly works for me.

• 

  pilip on 01/07/2018 - 07:37

  Has the view of banks in Australia on sharing you account details with 3rd parties been changed recently? I really miss ANZ money manager, but affraid to go with cloud tools.