expired YNAB (You Need A Budget) - Budgeting Tool - 3 Month Free Trial Instead of 34 Days (Normally US $6.99/Month for New Customers)

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“A little something extra for Alex Tran’s readers: 3-months of YNAB free!

Make 2018 the year to gain control of your finances, stop living paycheck to paycheck, get out of debt, and save more money.”

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Referrer and referee get 1 month free if referee subscribes after free trial.

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You Need A Budget
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closed Comments

  •  

    A real OzBargainer always gets good deals, hence never goes into debt.

  • +4 votes

    This is such a good program and can't recommend it enough. Sure you could just do a spreadsheet or whatever but the app which is available makes it easy to track every transaction. Not only a great program but all of the budgeting advice that goes with it is really practical. Even if you don't want it yourself if you have working age kids maybe get their finances started on it to learn some hugely practical lessons.

    I read stupid news.com.au hacks about saving every $5 note you have and you'll have $X by the end of the year and that's not a strategy.

    I'm a paid annual subscriber.

    •  

      Did you use the automatic linkages to your online bank?

      What I want is ability to do automatic category (e.g. If it found a credit card expense from coles, it will category it automatically as grocery; if it found expense from cpu shop, it'll say something else

      Also, what happen if you decided to cancel the account, are they able to export the data out (to excel of similar)?

      •  

        Pocketbook is your friend.

      •  

        I wrote too much, I'll keep it simple.

        There's no automation with Australian banks and you need to set the categories for each biller the first time then the info will be there. You can export the data to a .csv file but I've never done that. The only other budgeting software I've used is Quicken, which I liked but prefer this.

        For me personally I wouldn't want automation, I want it to be as quick an easy as possible but if it's manual you think about every transaction. Just read the philosophy on the main page and see if it interests you. This has been better for me because it budgets money I have rather than with Quicken it would also be budgeting future money which I don't.

        •  

          That doesn't really justify throwing over a grand every decade on that. You sound like the Vitamix guy lol

        • +1 vote

          You seem smart so I'll break it down for you. There probably is better and free budgeting tools available. I endorse any of them which helps people manage their finances and can potentially prevent stress. This is a three month trial which people can try and work out whether there's value in it or not. In that time if people can be bothered reading some of the advice provided they can take that with them for free and then use whatever tools they want.

          Individuals can justify what they want, we're all different, it's ok. You sound like an Apple user lol

        •  

          @bxpressiv:

          Would call it more of a forum post than a deal. It's a pain having to move all the scheduled expenses to another platform.

          Nope! Windows, Chrome OS and Android.

          Seems like I was supposed to reply to a different comment. Sorry about that.

      •  

        Qantas money app does the job ;-)

    •  

      Every $5 note you save doesn't even pay for a months subscription on this app. Ridiculous pricing.

  • +3 votes

    While it's technically USD$6.99/month, it's billed annually so you get charged USD$83.99.

    YNAB4 for life.

  • +7 votes

    This fella at UNSW called Andrew Hingston wrote an app called "Snowballing Money". It's pretty good, but not as full featured as YNAB or Pocketbook I think. He lectures at the Australian Graduate School of Management and also gives the Personal Finance gen ed course. Would strongly recommend having a listen to his lectures - https://www.youtube.com/user/agsmandrew

  •  

    Bought the app for around $20 on sale, no monthly fee. Can recommend, it's got good categorising, customisation, and will give you a picture of what's going where financially.

  •  

    Signed up for a look but file based import doesn't seem ideal.

    Looking for something free/cheap to replace Wave personal (which had direct bank feeds) if any suggestions.

  • +1 vote

    bargain?

  • +2 votes

    think the americian goverment needs this program

  • +1 vote

    The new commbank Android app was updated recently and the monthly spending by categorized view is now available, It's a cool feature.

  • +2 votes

    If you are a student or know someone with a student ID they give you a year free.
    I really like the concept of assigning a budget for each category and adjusting them as you go, compared to mint or pocketbook where you are observing your spending passively. When my free year is over I'll probably try and get my hand on YNAB4 or start a spreadsheet.

    •  

      What's YNAB4? On the app store I saw 2 YNAB apps. One is the one that came up with YNAB and the other said YNAB classic which I remember seeing YNAB4. Is there a difference?

      •  

        It is YNAB classic, I don't think they'll still let you buy it officially so you have to either buy a license off someone (you can find people selling in reddit) or download an apk somewhere..

  •  

    Most Banks have budget tools part of their online apps, Suncorp, NAB just a couple to name

  • +5 votes

    Sorry. Not sure why this app needs to be a subscription bases and at that price (I get office 365 home for cheaper!). An app like this should be perpetual licencing and no more than $20 at the app store. Like seriously why pay $7 USD a month for it? Almost Netflix price.

    • +1 vote

      Well I'm clueless why I received so many negative votes when it seems like everyone shares the same sentiment as you. People just like to follow the heard once they see one negative I guess.

      • +1 vote

        I'm no expert in financial applications but really, this seems really high to me considering other subscription fees for bigger and better apps cost less than this (eg. This is not even a patch on the complexity of MS Office). I understand that some people's budgets are really limited and calculate things to the dollar, but that kind of defeats the purpose having to pay $10 AUD a month so that it can automatically import your statements from a bank?

  •  

    Is this comparable to PocketBook Australia? I believe that is highly rated and apparently free.

    •  

      Financial software that is free? Don't you think it is trustworthy app? (Serious question and not sarcastic)

    • +4 votes

      https://www.reddit.com/r/AusFinance/comments/4bg87s/pocketbo...

      “Yes i have used both and ynab wins hands down for saving you money. Pocket book is good for reporting but not much else.”

      “I use both.

      I use YNAB as a planning tool to figure out what my money needs to do before I next get paid. It is the only way I budget. I use the app to update most transactions I make as I go and then reconcile regularly. I am absolutely a member of the cult of YNAB. It is an excellent tool when you use it properly.

      I use pocketbook as a tracking tool. It allows me to see transactions across all relevant accounts without having to log into individual banks. It gives me a general idea of what we are spending and let's me know when transactions have occurred. I consider it a tool to help me YNAB better.”

  • +1 vote

    Huh? I tried to add local credit card account, it does not seem to be available? I suspect only US and Canada bank accounts available to connect?

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