YNAB
YNAB
Out of context: Reply #3
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- HijoDMaite0
It’s very different from other budgeting programs. It’s more modeled after the “envelope” system. It forces you to budget any money you have to budget categories.
You can’t plan for money that you think may come in. I’ve been using it for about 6 months and love tinkering with it on my phone. It’s doesn’t sync accounts in real-time it does so daily, so you have to manually enter in transactions and the sync works as a double check. Takes a bunch of YT vids and reading to get good at it but I’m getting better at it all the time.
I’ve been able to “age” my money which is nice. That’s sort of using last month’s money to spend this month. And the goal is to keep aging that money.