Switching from Mvelopes!
Ok, I have been a long-time Mvelopes user - like 10+ years. I LOVED the methodology. I have tolerated the glitchiness. After being forced to 'upgrade' to Mvelopes 5, which has no reconciliation feature, and the app is completely un-intuitive - I have decided to give YNAB a whirl. :) If you're a former Mvelopes user and have any tips for me, I'm all ears!!
Welcome to YNAB, Creekside Simplicity ! I'm glad you're giving the trial a spin. Let us know if you have questions along the way!
This thread has a great breakdown, and there are quite a few others too. If you have specific questions, I'm sure folks will chime in! Bruce may have some insights to share.
You held out much longer than I did. I've been on YNAB for a year and a half now and my financial picture is better than it ever was using Mvelopes. Like Mvelopes, it's an envelope budgeting system so that part you're used to. Probably the biggest difference is the concept of "only budget with the money that you have." Mvelopes allows (even encourages?) you to include all expected income for the month and budget based on that. Especially when you have not consistent amounts coming in, that can get you in trouble.
I also threw away my lifetime membership to Mvelopes, but I no longer consider it a sacrifice. YNAB is so much better. As the others have said, if you have specific questions, feel free to ask, but I think you've made a good choice.
I'll be available intermittently this week, as I'm on vacation in a place with sketchy to nonexistent internet but just wanted to welcome you, as a fellow Mvelopes refugee.