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Rapporter et oversættelsesproblem
Diskussionsregler og retningslinjer
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I'm really curious if anyone has been able to replicate YNAB4 using excel and basic formulas (no VB macros). Because, really, the account transaction screen is just a spreadsheet type of thing. The budget screen functions like a spreadsheet. And the reports screen is just different types of charts, and thats yet another major component of excel.
You can still buy Microsoft Money Deluxe from Amazon.
The program is absolutely fantastic. You can have all your accounts separated, from checking, to savings, to credit cards, to investments (such as stocks). Each category behaves differently, and thus tracks the value of account correctly.
Such as stocks for example. You have to manually update stock prices now, but it will reflect the growth / decline in your stocks accounts when you update. Do it once a week and see the charts reflect changes historically.
Same thing for credit cards, savings, checking. Every account has graphs, expenses categories, etc....
The best program every. One time buy, and still works. Microsoft discountiuned it, because a lot of people bought into the free Mint, which keeps all your data online, and then pushes subscriptions on you for "extras", that were included in Microsoft money for a one time buy in.
Yes, and you can download it for free. Microsfot offers the sunset version, and they do not require an activation key. From their download page. "No need to activate the product". They are giving it away as a freeware product.
The OFX file is indeed supported. You have to dowload it to your computer, and then import it from your computer, as the sunset version discontinued automatic online connectivity.
http://www.microsoft.com/en-us/download/details.aspx?id=20738
https://en.wikipedia.org/wiki/Microsoft_Money#Money_Plus_Sunset
"automatic statement downloads initiated by Money (though users may import downloadable OFX and QIF statements from one's financial institution into the user's Money file)"
Also, you can input future bill payments into your checking account, and it will tell you how much money you will have left over, in a separate column, after each and every payment. So you can plan out your bills in advance.
How YNAB gets off with a subscription model is beyond me. They were very basic, functional but pretty to look at envelope lay away system, and in stead of developing into a fully fledged money managing software, and charging accordingly for their updated product, they simply switched to subscription model to secure revenue. Aparently quality wasn't the route they chose to go.
I don't have an answer for you but I just wanted to point out that what's ironic about your question is that YNAB started out as an Excel spreadsheet. :)
For what it's worth, for me that's been a happy year as a satisfied YNAB online customer. I'm tracking three bank accounts, two credit cards, and four retirement / investment accounts, their software is still the best I've used, their reporting breakdowns have improved, their mobile app is great for keeping tabs on my spending and logging expenses on the fly, and having everything server-side means it's all up to date wherever I'm looking at it. They retain my recommendation, and their uptime has been solid and I'm confident my data is secure (and if you want to know why, read back a few pages because boy howdy did we go over it).
But if those aren't things you want to pay for, *that's okay*. It's extremely cool that Microsoft is offering even a 6 year old version of Money for free. That's awesome.
Budgeting hasn't changed that much in decades. All anybody is able to sell at this point is ease of use and convenience. For me,YNAB still hits those buttons. Your mileage may vary.
Besides logging into my individual banking, investrment, and credit card websites, I would never save an agrigate of my financial information on line.
We went over this at such length that it's kind of astounding to me that you're still harping on it.
It's no more likely that YNAB will be successfully hacked than any other online service, but yes, of course that is possible. If they *are* successfully hacked, they don't store your banking or other financial login information, that's done through Finicity, which is literally as secure as any other online financial data processor (which is to say, not perfect, but as good as anything else). If *Finicity* gets hacked, user data is encrypted such that even whatever a hacker managed to get would need to be brute forced before they could use it, and the hack would be known about long before that made peoples' data vulnerable. On top of THAT, you don't need to use any of those features to make YNAB useful. You can keep entering and reconciling data manually just like you always did, they'll just be anonymous numbers, and the access-anywhere features and mobile app will still make for a much pleasanter and more versatile system than a spreadsheet or a one-PC solution.
There are plenty of valid reasons to not want to pay a reoccurring fee for YNAB, though I'm happy with the service. Fear of exposure of private data (above and beyond any other cloud service *which you've made it perfectly clear you don't like, I promise*) is not one of them. This is not a case I need to keep making, we've literally been going around this carousel for 50 posts now. All of the info on how YNAB handles security and links to their policies are back in posts 44 through 67 for whoever wants it. And at that point, a year ago, you said they were done as a company, and I said "let's check back in a year."
Well, it's been a year. They're doing great. The service is good. My money was well spent. They keep building out features and growing. As a consumer, I have benefited from their product.
Good chat.
Free Microsof Money, availabe directly from Microsoft. Either use the links posted above, or search on Google.
I get what you are saying and kind of agree. However I feel the need to state that nobody owns the games or softwares we purchase, because to put it simply we don't pay for the games/software, we pay for the licence to play/use the software and nothing more. I only wish I could own the games I purchased on steam, then I would be rich I tell you, RICH! ;)