air805ronin Jan 2 @ 5:43pm
Confessions of an Excel User
I sit here as a user of Excel for over 2 years. Budgeting wasn't so hard (except I was foolishly trying to plan a whole year in advance), but tracking my 401k, Investments, a multiple bank accounts wasn't very fun using a spreadsheet. I like D & D as much as the another person, but I can only make so much time in my life for number running.

I picked up YNAB yesterday at the sale price. I set up all of my accounts, and set up which would be tracked against the budget. Then I developed the budget, and had a head start thanks to my excel file.

The big difference from my old method came today. With excel I always had a hell of time figuring out how close I was to budget. Often I'd hit that time of the week and push it off to the next. Soon it was once a month. Then it was every other month. When you don't check how you're keeping to a budget, the budget is worthless.

Today I went to a work lunch, paid, and entered the transcation on the YNAB phone app. Boom, my personal fun money allowance was $10 lower.

For all the people wanting comparisons to other products, this is a big difference from what I've seen. You have to enter your transactions manually, but it comes with the benefit of showing you how much money you have in each category of the budget. It took about 5 seconds to enter the transaction. I tend to only have a handful of transactions a day.

I don't live paycheck to paycheck, but my wife and I waste a lot of money without a reason. I don't always know where it all goes. With YNAB, you can know at any time where that money went, and know how much you have left for each thing you budget for.

Overall, I think I'm going to be happy using it months down the line It seems perfect for my use scenario. I don't live paycheck to paycheck, but I do want to know what my money is doing for me.
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TBC Jan 2 @ 8:51pm 
Thank you for sharing your experience with YNAB :) I am on the opposite spectrum, living paycheck to paycheck, sometimes borrowing from FUTURE paychecks.... Hahahahaha... I would, and COULD live a lot more comfortably if I could see where my money is going in real time like that. I was thinking about purchasing it, being as $15 is kinda hefty for me right now, but I'm gonna do it!

This seems like something that could really benefit me. How do you get the phone app?
RodeoClown  [developer] Jan 2 @ 8:55pm 
You can grab the phone apps here:
http://www.youneedabudget.com/features/android
http://www.youneedabudget.com/features/iphone

I'd also highly recommend checking out our free classes, the teachers there do an excellent job of getting people up and going: http://ynab.me/freeclass
air805ronin Jan 2 @ 9:46pm 
Glad me typing all that up helped somebody make up their mind. There are a lot of smart aleck threads at the moment, and I thought maybe my first couple days with the product could help make up some minds.
TBC Jan 2 @ 9:48pm 
Originally posted by air805ronin:
Glad me typing all that up helped somebody make up their mind. There are a lot of smart aleck threads at the moment, and I thought maybe my first couple days with the product could help make up some minds.

Yeah :) I'm gonna try it out when I get some time to sit down and hanker it out. And yeah... You'll get that... Kids on the internet are stupid.

Originally posted by RodeoClown:
You can grab the phone apps here:
http://www.youneedabudget.com/features/android
http://www.youneedabudget.com/features/iphone

I'd also highly recommend checking out our free classes, the teachers there do an excellent job of getting people up and going: http://ynab.me/freeclass
Thanks!!! I don't know if I'll go to a class or anything. I'm a pretty big gamer, so I'm pretty adept at just finding things out. But I'll check it out nonetheless :)
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