Moneywiz, Debit&Credit, Banktivity, Quicken or YNAB
Hey all,
I have been using personal finance software for a long time. I used above mentioned brands for years. They all helped me to track my expenses, but I never really felt like I need to change things in my life financially. Yes Banktivity also has the same envelop budgeting function but its 100 times harder and time consuming. YNAB, somehow, managed to make this thing incredibly easy. Im still a new user but I know that I can make the difference now .
Cheers; Adam
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Hi Adam! Blue Filly
We love hearing you're enjoying YNAB! It's important to find a program that works for you - that really makes all the difference. While we believe YNAB can work for anyone, it's great to see you putting it to good use! :)
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That's great Adam! I used a couple of other personal finance softwares & mobile applications, but YNAB is what actually changed how I think about finances. YNAB makes it easy to see what your money is doing, like many of those alternatives, but it also makes it easy to adjust (roll with the punches! rule 3!) and work towards goals (determine your priorities and make your money work for you! rule 1!)
Good luck on your new adventure, YNABer! 😄
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Formal Dribble Thank you :)
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I just started using YNAB a few days ago, and I have to agree with Adam. I used Mint for years but it never really helped me get out of debt. It worked great when I had a large money cushion and wanted to keep track over my overall money health. But the moment I hit hard times, it just wasn't working to help realize how much I can spend and where my money was going. I ended up spending the same $200 three different times because I didn't realize I already had it budgeted somewhere else. YNAB has given me peace of mind and lowered my anxiety levels. It's going to be a long process but I finally see light at the end of the tunnel. Thank you!
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Michelle D. That's right Michelle. I wish I have known YNAB years ago. I am glad I found YNAB. And welcome to the club Michelle.
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Maybe I could have dived deeper into quicken, but it never seemed to work for me. Used it for years. With YNAB in about a week I have all of my banking, credit card, debts, and retirement accounts in one place. A little bit of a ramp up, but Nick True's videos really helped me. I figured out that I have enough money to retire in 4 years when my last child leaves for college.
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All these other systems are reactive while YNAB is proactive.
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Superbone Yes you are 100% right.
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