Forced to go online and fork over monthly cash--not happy!
I have been using YNAB for 10 years, and supported this company from the very beginning. I have found that the YNAB4 version provided everything I needed to maintain a healthy budget, and it was quite simple and easy to use. How ironic, that MAC users are now being required to "upgrade" to the online version that requires an ongoing monthly or annual fee. This, coming from a company and program that was developed based on the underlying theme of frugality. Now I am going to be required to pay money each year for something that at this point is not going to save me any money because I have already developed healthy budgeting habits over the past 10 years. I will also be required to spend precious time on a weekend to convert over to and become familiar with the online version--and who wants to really do that when the current YNAB4 works just fine? Time is money. Does anyone know of alternate budgeting programs that don't require monthly or annual subscriptions?
Unhappy, long-term customer. 😐
Don’t upgrade to Catalina. Problem solved.
It’s frustrating when this happens, I agree. But surely, YNAB isn’t the only thing you’ve ever used that you can’t use anymore. *Especially* if you are a user of Apple devices, as they do this a lot. YNAB 4 is 7.25 years old, and 8 years from its beta. That is eons in software development.
Keep a 32-bit OS if you want to run a 32-bit program.
I think Mint is free - also, now for example my bank allows me to track outside accounts through their software (which is online) for free. Or my wealth management fund has a budgeting tool. So I think you will find there are some free alternatives. Mint has advertising and sells your information to companies, which is how they pay for their free service for consumers. I am unsure how my bank / wealth manager would use the information, but generally things that are "free" are selling you. We have an old version of Quicken for desktop, which is a product I don't think is made anymore, but I know you can buy Quickbooks for desktop still.
I couldn‘t agree more with the OP. I am a European long-term user of YNAB. I was happy to pay for new software versions but I don‘t want an online version and I don‘t want to pay a subscription. Speaking of the sub, it has doubled in price in four years! My salary has not and so my budget is telling me YNAB is too expensive. It does not even connect to my European bank! So I am also looking for a different solution and am finding plenty of apps, many of them for free, which can access my bank transactions and even provide budgeting capability in addition to on-line banking functions. I am currently testing and liking MoneyMoney, which costs less than the original YNAB. It can even categorize transactions and export them to YNAB4 (but not to new YNAB). So, because I am still very fond of YNAB4, I plan to keep and run it on an old MAC and purchase MM for daily banking/budgeting. So sad YNAB cannot be state of the art in Europe and is instead pricing itself out of the market.
I was unhappy too, but there is a simple and effective solution. Get VMWare Fusion (free download at vmware.com; license about 5.00 on eBay). With Fusion you can install your current OS (eg. High Sierra) as a virtual machine and access YNAB4 through it. OR you can install Windows 10 (free download at microsoft.com; license about 5.00 on ebay) as a virtual machine and use the windows version of YNAB4 plus have a Windows 10 machine for other uses (I'm a diehard Windows Publisher fan). If YNAB4 is open, it will obviously use some resources, but the Windows desktop itself can sit open in your Dock using only about 2%.CPU. When you log off and back on the Windows VM will automatically reopen. No problem with syncing to other devices. Works for me.