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@snowjewelz: in a nutshell, how does it work?

We just started using YNAB and although there is a learning curve, I'm really liking it. I hope it will help us to plan ahead for our expenses a little more. Let me know any time or tricks you discover!

I started using YNAB 4 a year and a half ago (so not recently), but I did just switch to the new version. I love that it's web-based and I don't have to rely on Dropbox syncing anymore. Hope it works well for you!

@snowjewelz: so, like how much time do you need to dedicate to it on a weekly basis?

@snowjewlez we've been using ynab for about a month. Thus far it's helped us plan monthly for our once a year expenses (ie, car registration) by putting away small bits each month. It's also helped us to make sure we are using all of our money toward our goals and not just having money lying around that gets wasted on unimportant things. For instance, my husband gets regular bonuses and we are now planning on how we use those instead of just having "extra" money that we waste on crap because it's there. It's also helped to eliminate some spending guilt because we had the money budgeted, so it's ok to use it. Not sure if all that makes sense!

We've been YNAB users since 2014 and LOVE it.

@snowjewelz: That's the nice thing about ynab. Don't stress about those. give a good guestimate and then when the month ends, or as you see it dwindle, you can make an adjustment from a category that didn't see the same monthly usage. Just don't spread yourself too thin and you should be able to move money around a bit each month. It also gets way easier over time and more of your money, usually, becomes available to shift.

Just wondering how people are liking the new ynab? I tried it when it first was available and wasn't super impressed. I'm wondering if they've made an updates? Can I budget from the app?

I tried the new YNAB (never did the old one) recently. But we're actually going to keep looking. DH and I have a really solid excel budget it's just getting too time consuming. Also, we just bought a house so we keep having unexpected bills and just new bills in general to keep track of. YNAB was awesome for setting up a budget and imputting online or through the phone app. Our issue was that it was not easy to track transactions and see data on a longer scale (not month to month). We want to be able to easily add up how much we've paid for oil so far for example. Or a break down of everything that we categorize as utilities.

Anyway, it's not bad but wasn't quite what we wanted. I've been checking out goodbudget recently and we might go with that instead.

@snowjewelz: so what is the subscription fee per month?

@snowjewelz: Great to hear, thanks! I think we'll try it out.

@snowjewelz: Thats good to hear that you have had good results from emailing them. I"m still a little confused by the whole thing as well. At this point I"m just trying to input my expenses and hoping that I'll get the bigger picture of where my money goes so I can plan better!