Best budget program Absolutely changed the way we budget each month. It only takes about 20 minutes each week once you get the hang of it. It is a little more complicated and harder to learn than things like Mint but it works better and actually produces results.

YNAB is easy to use YNAB is easy to use. The most important part of using YNAB is that you give every dollar a purpose once it is deposited. This helps you avoid spending on unplanned impulse purchases. Before you buy something that is unplanned you have to decide where this money will come from which stops you from wasting money.

YNAB is a game changer YNAB has been a game changer for my personal finance. It is the ONLY budgeting app/program/process that has worked and kept me focused on my goals. Could not recommend more. The amount I have been able to save using the YNAB process has more than enough paid for the app annual fee. And the fee is accounted for on my spending plan.

I do love this system I do love this system. Once you figure all the things, I think of this as an accountability tool that keeps me on plan but enables enough flexibility that I don’t feel any guilt when I’ve under-budgeted an expense (which happens less often now). And when those shoes start calling my name from inside the store? I now have a little something put aside that the spend doesn’t mean I’ll be dieting for the next two weeks, you know? Best thing I ever did.

Peace of mind after you put in the work Really great method to get peace of mind about your financial situation. YNAB is best if you're willing to buy-in to their system: setting goals, categorizing every transaction. This app is especially great for people who have inconsistent income as it lets you plan ahead and know you have money to cover your expenses.