Home > Still Debating YNAB

Still Debating YNAB

December 27th, 2019 at 03:29 am

I've spent several months using the online version of YNAB. It works fine. There are some things that are just different, such as not letting categories go negative into the next month. I get why they do this, but we have a lot fluff in our account, so I'm definitely not really going to have an issue. I can't make notes on each category without them rolling over into the next month. I'd like each month to have it's own notes. I do love being able to link the accounts. I only have our two most active linked, but so helpful!

Because we did get a few months free as military, our first annual payment of $75.59 is due January 20. That is the amount due after the 10% member discount from my previous purchase of YNAB4 several years ago.

So, while I think on this option for a couple more weeks, I'm curious how those of you who don't use apps budget. Do you just use Excel? Did you make your own or buy a template or program? Do you use pen and paper? I've done both, but I'm out of shape using all those. LOL!

Thanks for sharing any thoughts. Overall it's not a bad program at all, just wondering if I really want to commit to nearly $80 a year for something I might be able to recreate in some way for free or less money.

After nearly four years of YNAB I am still a fan of what it can do, I think I'm just thinking about the cost and how it does add up over time.

9 Responses to “Still Debating YNAB”

  1. CB in the City Says:

    I use Excel. I made some simple spreadsheets quite a few years ago and they have expanded over the years. I am so used to them I will probably never switch. I'm especially not interested in paying a fee! The biggest drawback is the way I set them up, I have to make changes on several different sheets for the same transaction, which is a pain, but I'm used to it.

  2. klarose Says:

    I LOVE YNAB. But I am also grandfathered in at the $45 a year rate...

    I think it is definitely worth the money though. I love being able to budget and look back at reports.

  3. beawealthywarrior Says:

    I love YNAB as well. Especially the different types of goals you can set up. I'm now using it to manage my business finances as well.

  4. Lucky Robin Says:

    I built my own spreadsheets years ago in Excel. I don't want some outside company knowing my financial business or linking to my accounts. There are too many situations where stuff gets hacked. I like having a much higher level of security by not having everything linked to everything else.. And I can customize to my heart's content and never pay a fee.

  5. Amber Says:

    I use both Google sheets and MSMoney, I love MSMoney, just upset that they no longer publish.

  6. rob62521 Says:

    I used Excel and now I use Google, but I make it up in such a way that if it were to be hacked, there wouldn't be enough information to do us harm.

  7. FrugalTexan75 Says:

    As you know, I'm a nYNAB user. But I'm grandfathered in at the $45/yr rate too. I'm not sure if I'd stay with it at much more than that. (I really need to send my info in to get the free year for a student!)

  8. Dido Says:

    I use an Excel budget spreadsheet from It cost $15.95 and I just keep a "template" blank copy and make a new copy for each year that gets filled in.

  9. creditcardfree Says:

    Oh thanks Dido! I will check it out. I think I have another week before I have to pay for YNAB. That would be more affordable.

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