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.

Better Than Envelope System I have used and planned on returning to the "envelope system" and the first day, we went to a concert that was cashless. So, I started my search for something similar and came upon YNAB through Nick from Mapped Out Money. It took a bit of getting used to but now I ADORE IT. My husband lost his job over a year ago and I have never had as much money as I do right now. Those "surprise" expenses that used to derail me, are now taken care of without a second thought. An example is a credit card fee, I had been putting a few bucks aside for a year and when it hit, it was immediately paid for already. I have never lived life like this and now have a category to gift it to our nieces and nephews when they get older.

Really useful app with an innovative… Really useful app with an innovative approach to tracking spend. Has helped me track my spend, grow net worth, and be very guilt free about my purchases.

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.

The method just works! The 4 principles work great. Overall structure behind the app, just works wonderfully. Your relationship with money improves over period of time as you start seeing debt in a different light and see your net worth increase. Lastly, the great tutorial videos and blogs help clear any lingering doubts.