Been using Ynab 2 years, Here is some feedback from EU/NL

I have been using Ynab for a while now.

I love the program but i stop using it for periods of time for a the same reason over and over: I din't keep up for a few days and now i have to spend a ton of time catching up.


I'm not using Ynab to pay my debs etc.

Its more a tool for me to keep a overview on where im spending my money.


I chose for and use Ynab especialy on the phone and it works great for single transactions.

But multiple transactions is a hell.


Especialy in the weekends when you go out to drink in different places shop little things you can have up to 20-30 transactions in a few days.


If you want to fill those in on your phone it starts with the date.

I have to scroll down to the right date every transaction.  I have to click the right catagory every time over and over and over. This gets annoying real fast if you din't keep up the transactions a few days.


It would be great to just pick a date and then just spam all the payed numbers on that date and then just pick the next date and do the same.


When your done, there is a list with unassigned transactions that you can then assign to the right catagory.


Also in the netherlands and im sure its the same in the rest of europe.

Monthy bills are not ''payed''

Rent / Phone / Insurrance / TV / Gas / Elec   all gets payed automatic from you bankaccount.

People can chose not to do it but that is uncommon.


I budget those things every month but the date they take it is a little different every month.

And i would love a button that i can just press and it takes the budgetet amount and fills it in as a Transaction on today.


Because there are a lot of repeatable transactions every month that i have to fill in by hand now.

I know there is a repeat function in Ynab. But it does not work for me.

And not as easy as i want it to be.


So basicaly what happens every time with me.

I love Ynab, I keep up with the payments.

After a few months i'm starting to get a little sloppy.

Then i get one of those 30 transactions in a weekend.

I have to set the right date and catagory 1 by 1 on all of them.

I do that 1 or 2 times, the 3rd time i stop using Ynab again.


- Make catching up easier.

- Make repeatable transactions easier in a manual way.

And you got a amazing program.

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  • You'll get good feedback and advice from the other members, but you sure took me on a walk down memory lane of when I met my now husband in the Netherlands 20 yrs ago.  We were both young and pretty dumb with money, but he was WAY moreso, and I could do no better understanding his bank transactions than he could because it was all so foreign to me.  The overdrafting, cycling through a separate line of credit at his bank, all the automatic charges he couldn't keep up with, the inability of me to pay a simple hospital bill without a personal "PIN Card" of my own, etc.  I would see him throw around his bank mastercard everywhere we went and I was like, "Cool, the guy has money and is paying for me no problem."  And then we got serious and he came to the states and I tried to help him with his Dutch accounts and nearly fell over once I started understanding all the overdrafts and increasing interest that had been going on for years. He never felt he needed to look at his account because it was "all automatic."  I got him a $500 limit credit card to establish some history in the U.S. and he only checked the bill every 3 months or so.  We nearly broke up over this!

    Obviously, you're way more financially literate and aware than he was, but I can see how overwhelming your system can be if you don't find a way to keep it all organized.  I'm sure there's a way to streamline the process.  In our case, we're in the U.S. now, and with marital experience I've learned to ban him from ever being responsible for a bill or account, all budgeting and spending is run by me, and we're good 🤗. 

    Like 1
  • Annieland

    Yes, Almost Every person in The Netherlands has a ''pincard''.  Pinpas in dutch ^^

    Fun to read our system is so confusing for you.🤣

    Because the U.S system is confusing for me.


    In the Netherlands the pincard is a account where your already earned money is stored and used for payments.

    And next to that we have a savings account.

    And a credit card is a loan that you can always acces with a limit. ( 14 % interest!!!!!! )


    A credit card is / was uncommon in the Netherlands.

    And i think im still not able to pay a hospital bill with a creditcard in the netherlands.

    Becouse paying bills with loaned money creates more bills 😅

    We usualy resort to a payment plan with the company in question when we can't pay their bills.


    Even tho a lot of payments in the Netherlands is automatic most of us still check our account daily to check if everything is still OK.

    Not checking your financials for 3 months is also not OK to do in the Netherlands :P

    The whole point of a pincard is that when your out of money, Your not creating a dept without knowing.

    But because monthy payments are automatic does not mean we all just do whatever we want and everything will be alright haha. 😎

    Everything bought online or in a store and getting cash out of a wall has to be payed in full right at that moment.


    In the Netherlands we don't understand how people in U.S live on '' loaned '' money credit cards.

    Paying everything with ''loaned'' money sounds a whole lot more dangerous then a pincard. 😆


    In the Netherlands we have loans ( 4% interest ). But they are payed with automatic monthy payments ^^

    And ofcourse most people have a morgage( 2% interest) for their house etc.


    How does that work in the U.S?

    You pay stuff with the credit card and in the end of a certain term you pay you depth?

    In the U.S when do you use the ''cleared'' button Ynab has?

    I wish i could turn it off in Ynab because in the netherlands i don't see any way to use that.

    When a payment is made its done, The bank will never deny a payment afterwards.

    When you don't have the money the payments simply can't be done and you will know right at that moment you are trying to.

    That uncleared/cleared amount i get to see is just confusing for me.

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      • Annieland
      • I was told there would be no math.
      • Annieland
      • 1 yr ago
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      • Reported - view

      Daace You're giving us all an education here! :)  Our pincard version is our bank's debit card.  Lots of people use them, but the protections for fraudulent charges aren't as strong as on credit cards, and our credit cards are more likely to earn us rewards and cash back for our loyalty in using them.  Plus, we build what's called a Credit Score that helps us get good rates on things like mortgages and car loans in the future.  I think those are the reasons the majority of us here use them.  Anyone who uses a CC to spend money they don't have probably should start using YNAB pronto to get out of that kind of debt cycle.  And of course there are people who feel more comfortable not using them at all and sticking only with pincard/debit and cash transactions.

      In my husband's case, he took a loan from his bank for a new computer after he graduated high school, which was tied to his bank account.  In our terms I would call it a Line of Credit.  It operated like a credit card but without an actual card.  Payments to the loan automatically withdrew from his pincard (checking) account, but when he overdrafted his pincard it was covered by that loan account which only increased its balance and interest.  This cycle went on for years without him ever noticing because he was too irresponsible to check or fully understand the mechanism.  In the U.S. a credit card would work similarly as a "revolving line of credit" but in my opinion, it would be a little more obvious with monthly statements in the mail on what you owe and what you are being charged in interest.  People can get themselves in big trouble in either scenario.

      I had the money to pay my hospital bill, plus private insurance, but they wouldn't accept a credit card or check (the paper we do still use to send money from our bank... kinda outdated but not going anywhere), let alone the understanding of how to bill private insurance.  People in the U.S. who use credit cards responsibly have the full intention and ability to pay for their charges once a month without incurring any debt or finance charges (they give you almost a month to pay without any fees).  That's why YNAB is very well-suited to CC users.  

      I think we can get ourselves into trouble with debt in either system if we don't develop good habits and use tools like YNAB.  Probably the biggest difference is we're still a little outdated with our paper checks that still linger around here and there :).

      Like 2
  • Hi Daace ! Thanks for sharing your feedback. 😄 If you have suggestions on how we can improve, please let our product team know by submitting a Feature Request.

    YNAB is all about awareness. Interacting with your budget regularly makes it easier to keep things updated. The longer you go, the harder it will be to get caught up and keep your spending in line with your priorities.

    For that particular account, are you able to download a file from your bank and use File-Based Importing to catch up on weekend spending?

    My colleague Jen (who has been using YNAB for 10 years now) shared her budgeting workflow in this Five Minute Fix blog post. I thought you would find it helpful, because she'll walk you through what she does every day (in less than five minutes) as well as her weekly and monthly routine.

  • If you have a recurring transaction set up you can click on the transaction & select enter now if it occurs earlier than normal.

    I just tried file-based importing for the first time. It worked very well! I did clean up the payees a bit first, but I could have done that in YNAB as well. I think you do have to do this on the web version, not mobile, though. I try to enter all my transactions manually, but had not been keeping up this month. It matched most of the transactions that were already there from scheduled transactions (I have one bill-pay check that I have set up in YNAB for the day it gets sent, but it often takes a week or more to be deposited & clear)

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