Back to YNAB

Have come back to YNAB after trying it first time last year. I like the method. I am UK based so cant link accounts, and also dont file import. All my regular bills are direct debit so are scheduled transactions and enter other spending at the time. In the last week have tried some other apps Emma, moneydashboard and moneyhub. They all can link to my bank but have no manual entry and cant really budget, they are more for tracking spending, which they do well. So I have found nothing that works as easy as YNAB for actual budget. I did try SyncForYNAB but found no real benefit.

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  • The YNAB budgeting system is world class. Even if you had to do it with just pencil and paper. Thankfully, we don't!

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  • In the last 2 years i have tried MoneyDashboard, MoneyHub, Yolt, Banktree and Emma and eventually settled with Ynab. Though  all  the UK based apps have their good points and sync with my banks, the deal breaker was that their budget options are very rudimentary, do not follow the envelope budgeting system and allow you to forecast your budget, hence using money you dont have. They are definitely better at tracking than budgeting.

    Manually inputting my transactions in Ynab  was also an eye opener and keeps me accountable. I did briefly use SyncForYnab at the beginning but stopped as nothing beats manually importing to feel the psychological effect of spending.

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  • I'm also UK based and have been using YNAB for 5-6 years (so YNAB4 and now nYNAB). After that time I can safely say that I won't use direct import even if it does become available. 

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  • I am coming to the end of my trial with nYNAB, and I am just not happy (sorry). I feel that I am paying for US bank integration from the UK, and losing a lot of really useful features (primarily look-up of history on the phone, tbh) - I am at a critical decision point! I am dual-processing with classic YNAB at the moment and I always find myself going there for a lot of analytics. I know I can delay Catalina for a while - but I really like to stay up-to-date on my mac. I tested Banktivity and I found it pretty close functionally to my needs - but it is not as robust or as nice. I would certainly pay $100 for a 64 bit upgrade to YNAB classic - even with no future developments. Is there not enough demand to make this a financially viable option YNAB?

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      • jenmas
      • jenmas
      • 9 mths ago
      • Reported - view

      Gray Boat You can search for transactions in the mobile app, at least in iOS.

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      • jerald
      • jerald
      • 9 mths ago
      • Reported - view

      jenmas Not yet for Android sadly.  Not worth the cost of an iPhone, but I am a bit jealous.  😄

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      • monkeyhanger
      • No animals were harmed
      • monkeyhanger.1
      • 9 mths ago
      • Reported - view

      Gray Boat I'm lucky that I'm grandfathered on the original price so that helps.

      What can't you find on the phone. I don't use the phone app much but the information is there it's just a little more hidden. I think the main thing you can't do on the phone is reconcile.

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  • Thanks for the replies - it is things like historical transactions (silly things like how much was car insurance last year) in the classic app I would click on budget, click on car tax & insurance and scroll back through the previous years to see how much I paid...I can still do this on the desktop, but no longer in the mobile (think I can see current month only).

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  • OK - I am being silly - I just see now how to do it in the mobile app!!

    accounts>all accounts>enter payee, category etc and it searches back through history.

    I think it used to only show current month - so GREAT!!

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  • Thanks all - so my conclusion is that the running account balance is disappointing loss (but not a deal breaker) - I find the workaround quite impractical with having a lot of historical data - finding the balance say of cash at the end of last year - is quite a faff! but I can live with this! I think I will retire classic YNAB and move fully to nYNAB!!

    My only open switch is whether to use SyncForYNAB - my feeling is that it offers some benefits - but also has some drawbacks - so I will continue as is for a while.  Importing seems to require some pointless clicks (eg asking me every time if I want to link account or import file) but that is annoying rather than a blocker!

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      • monkeyhanger
      • No animals were harmed
      • monkeyhanger.1
      • 9 mths ago
      • 1
      • Reported - view

      Gray Boat If you're on the web rather than your phone, then the Toolkit will give you the running balance.

      Like 1
    • Hi Gray Boat !

      We're looking into having a native Running Balance in the future! While I can't make any promises, our Design Team is taking a look at improvements in that area! :)

      For now, have you given the Selected Total feature a try?

      It can help you figure out the balance of your account on any particular day:

      • In the search field, begin typing the date you’d like to check.
      • Click on “On or Before [Date]” from the drop-down menu.
      • Select all the transactions using the checkbox above the first transaction.

      In the upper right corner, you’ll see the Selected Total value which is the balance of the account on that day.

      Give that a try, and let me know if you still have questions!

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