Simple Program Changed My Life Totally changed the way I relate to my money and my budget. Made me aware of my weak points to focus on, and helped enable better future planning. As someone with an average pay in a VHCOL area, this software has truly changed my life!

A much better way to track your spending. Keeping track of the money you actually HAVE is a much better way to control your finances than to plan for money you may never earn. They are very receptive to suggestions and customer service is exemplary.

It's not the subject matter…it's how it's taught I enjoy the playful way you teach about basic budgeting. I think it's something that many people, myself included, miss growing up. People say you are just testing basic zero dollar budgeting, but it's not what you teach it's how. For the first time in a while I feel like I can rest any goal if I plan accordingly using your methods. You often say freedom comes from restriction and it can be surprising where and how extra money comes from in a budget. I can attest to that.

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.

I loved YNAB before it went online I loved YNAB before it went online. I tried it online. It is so different I cannot tell what is going on. I cannot reconcile accounts. I have no control. Asking for help did not help. I am now using another software.