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.

Love me some YNAB Love me some YNAB! Look, I know this can be a bit overwhelming to learn in the beginning and you’ll doubt the sanity of your decision to try the app and do some real adulting, but fear not! There are so many good videos explaining how to use it and the articles are on point! They are full of links to other articles and videos and it’s easy to navigate. The customer support has been the standout to me. I had some issues getting started and trying to figure out what to do to fix what I just did. The support team was very good and even made me a personalized video showing me step by step what to do! Amazing. Thanks YNAB team!

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 have tried many ways to create a… I have tried many ways to create a budget and stick to it. Most times it just becomes some version of tracking and not budgeting. YNAB is the first app that not only makes it simple to create a realistic budget but also encourages me to save for future expenses.