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December 22nd, 2014 at 05:58 pm

I am thinking of switching from Moneywell to YNAB in the new year. It might be sort of irritating and complex in the beginning but here are my reasons:

- I haven't been really tracking properly (shifting money and tracking all accounts including savings) because it's sort of difficult in Moneywell
- New year with new budget is a good time to start a new program
- YNAB closely aligns with how I budget already so it should be more intuitive
- I want to be able to use my phone and YNAB has what appears to be a really good ios interface

The only thing is... I do sometimes have negative categories when I'm paying something back over several months. I'm not sure how YNAB looks at that. I suppose I could set up a debt account and track it that way, lowering the debt each month.

Do any of you use YNAB? Do you like it? Is it worth the money?

2 Responses to “YNAB”

  1. FrugalTexan75 Says:

    I have used it for many years - since maybe 2007? It is well worth it! I would suggest taking the beginner's classes they offer and watching as many tutorial videos too. All free. Also be sure to check out the forums. Smile Lots of helpful and friendly people there.

  2. Buendia Says:

    I've been going through all of the tutorials and signed up for the first class this Saturday morning! I started setting up, but I want to wait until the first of the month so that I can start the new year fresh.

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