Joanne Posted February 25, 2013 Share Posted February 25, 2013 I began using it when (financial and otherwise) life tanked. That was a while back, and the program has upgraded and sophisticated. I'd welcome Hive feedback. I would like something that is NOT guru-centered. ;) Quote Link to comment Share on other sites More sharing options...
Liz CA Posted February 25, 2013 Share Posted February 25, 2013 Anything that holds you accountable for your spending should work. If you like the layout, time it takes to set up, etc., I'd go for it. Whatever motivates you can only help imho. Quote Link to comment Share on other sites More sharing options...
Mnemosyne Posted February 25, 2013 Share Posted February 25, 2013 I personally love it. In fact, I'd say I'm obsessed. I've spent hours playing with my budget, scouring the YNAB message boards looking for ideas, re-categorizing my categories... just because I enjoy it. Which, quite honestly, is weird for me to say, because I used to hate thinking about money (especially when I have so little to spare!). I use YNAB in pretty much the 'official' way. I have a buffer, I spend last month's money, I build rainy day funds and my emergency fund. I keep track of all our student loans and their due dates in there too, so I can funnel money over when needed. If you have any specific questions, I'd be more than happy to answer them to the best of my ability. You're able to try it out for 30 days without having to buy it (which is a great deal), so it's easy peasy to try it out and see if you (still) are interested in the program. There are also some great classes on how to use it if you're confused about anything. Quote Link to comment Share on other sites More sharing options...
stansclan89 Posted February 25, 2013 Share Posted February 25, 2013 We use Mvelopes. http://www.mvelopes.com/ Quote Link to comment Share on other sites More sharing options...
Hypatia. Posted February 25, 2013 Share Posted February 25, 2013 It keeps us on track when we keep up with using it. We fell behind with the birth of the Caboose and haven't updated in way too long and now our budget is much worse for the wear. Quote Link to comment Share on other sites More sharing options...
Cinder Posted February 25, 2013 Share Posted February 25, 2013 No personal experience with YNAB but I wanted to encourage you with your budgeting efforts. If you're consistent to track your spending and use the first few months to tweak your budget it can be such a helpful tool. And then be sure to re-visit the budget every few months to see if it still fits you or if changes need to be made to it or to your spending habits. Good luck! Quote Link to comment Share on other sites More sharing options...
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