Rec | YOU NEED A BUDGET (YNAB)

Rec

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I was not raised the most financially literate however I’ve gotten very enthusiastic about personal budgeting apps and YNAB is fantastic for this
the goal is to assign a dollar a job until you have 0 budget, it also connects directly to your bank account (most of them) and categorizes your purchases for you.
I had no idea how much I spend on dining out and drinking out and it is… humbling to see the writing on the wall and do this at home. also makes it so easy to budget for retirement or investments or long term savjng

@aidanaguirre

Mar 1, 2024

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@skiphursh

This is my most important app. Completely changed the way I viewed money and the feeling of control I have over it. Helped me kill my student loan debt. Imperfect but essential. Hard to sell people on. “Yes, you have to answer for everything manually”

Mar 1, 2024

@imhellastupid

is it worth it? very expensive!

Mar 1, 2024

@aidanaguirre

imhellastupid it depends, it is cheaper to do it annually up front vs monthly but if you’re uneasy about committing that much there’s no risk trying it for a month you can trial it for a month too i think. the Way I see it is eventually saving the money thru YNAB lets you pay for it

Mar 1, 2024

@imhellastupid

aidanaguirre yea that makes sense, I'll give it a whirl

Mar 1, 2024

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‎Today's Budget

Very simple. Put in your income and expenses. It shows what you have left. Then you choose what you want to save and log your purchases.
Useful for me for a couple years. Now I just use a spreadsheet and go off vibes.