Is it an app for the rich countries only?
I wonder if there any options for people who don't earn that much money to pay for the full price subscription at one time. 84$ is more than I spend on food per month and giving that sum away at once seems totally unreasonable no matter the possible benefits.
And no, I won't save 600$ during the first two months because 600$ is all I get and I'll still need to pay the rent and to buy food - and it'll take more that 300$ monthly.
And I'm no student anymore, so the student's discount is out of question too.
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The real magic is in the methodology, which YNAB gives away for free. You can follow those principles using cash in paper envelopes for free.
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If you follow the link in my tagline, you'll find links that cover the main topics of the ynab book. And, yes you could follow the method with paper envelopes or a notebook.
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Yep, do it on paper. A spreadsheet would be even better if you have access.
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I think they charge too much too :) I wonder if someone could create and share a google sheets envelope system? It may not have all the features, but it seems doable.
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Khaki Storm This exists! I'm not too proud to link to it. 😄 https://aspirebudget.com/
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Matthew Thank you for sharing! Someone spent a lot of time making that!
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If you're reading this, YNAB team, consider that most global companies create a pricing model that takes advantage of the high number of potential customers in developing nations, to offset the lower prices those customers can afford to pay. Especially for a mobile-based technology, there is a big market out there, waiting to be filled. 🤑
