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I love You Need a Budget! I started it about 3 months ago and it's super easy to use. Before that, I was using a simple Excel spreadsheet, but YNAB is much easier and requires less work.
Since I do online banking, I open up that in one browser, and open YNAB in another, then input what I've spent every few days.
Hmm, well I beg to differ... it's been my experience that everyone needs some sort of budget, whether or not they are a card carrying frugal. I am actually excellent at budgeting for my bills and savings, YNAB software was just one program I had heard quite a few good reviews about.
Go back and read my post, and then explain to me why I need to fool around with software and enter my data into it in order to meet your absolute insistence that everyone needs to.
I don't understand how YOUR experience is evidence that I need a budget like yours. My parents raised a young family through the Great Depression, without YNAB or any other aid from computers or internet. There were a few pennies on the kitchen table, and they knew what to do with them.
Whoah! I was just disagreeing with you... pardon me for having an opinion different from your own. Making a statement is "absolutely insistent"? Whatever, guy. Stay away from religion and politics if you get this testy over one difference of opinions. You might have a coronary.
I think it needs to be thought through, about who needs help in reorganizing their budget priorities, and who is already there, successfully living a frugal lifestyle and mindset. It's not necessarily applicable to everyone.
Last edited by CowanStern; 06-16-2012 at 09:27 AM..
I have heard many good things over the years about MINT. I have never tried it. I believe it is free source. Many people swear by it's merits. https://www.mint.com/what-is-mint/
Personally, I like Quicken as it is a one stop shop for me. Everything is done from it. I can pay my bills through it, it downloads transactions from banks and credit cards, nice reports, and it is fairly reasonable. If you use it to pay your bills or download transactions from your bank, then you are forced to purchase a new subscription every three years. If a one stop shop is not necessary, and you don't mind paying your bills on one web site and then opening up another program to record your transactions and do everything by hand, then probably one of the other programs might work for you. I am really not familiar with the other programs in so far as what they are capable of doing. Just know that the people who use MINT always say positive things about it.
Go back and read my post, and then explain to me why I need to fool around with software and enter my data into it in order to meet your absolute insistence that everyone needs to.
Maybe take your own advice and go back and read the post...
I have heard many good things over the years about MINT. I have never tried it. I believe it is free source. Many people swear by it's merits. https://www.mint.com/what-is-mint/
Personally, I like Quicken as it is a one stop shop for me. Everything is done from it. I can pay my bills through it, it downloads transactions from banks and credit cards, nice reports, and it is fairly reasonable. If you use it to pay your bills or download transactions from your bank, then you are forced to purchase a new subscription every three years. If a one stop shop is not necessary, and you don't mind paying your bills on one web site and then opening up another program to record your transactions and do everything by hand, then probably one of the other programs might work for you. I am really not familiar with the other programs in so far as what they are capable of doing. Just know that the people who use MINT always say positive things about it.
Someday, I'm going to be doing our taxes, so I really want to like quicken, so I can easily use turbo tax...but boy -- I hate it. I don't like doing a budget on computer. It's so much easier with pen and paper.
Anyone try this software? I have used MoneyDance since the summer of 2002. Only reason I remember that is because I wrote a review of it on Amazon. It was a simple alternative to Quicken at the time. I gave it 3 out of 5 stars. And yet 10 years later I am still using it.
I think I want something a little more in depth now. Something that will help me manage my budget at the same time help me track my savings/spending. I don't need anything too fancy, that tracks stocks, bonds 401k, etc. I also don't need anything to help me out of debt. I just need something that will track banking/savings and credit cards (we use and pay in full 1 credit card every month).
I've heard positive things about YNAB. Has anyone used it?
What budgeting program do you use, do you like it, what are the pros/cons, and did you pay for it?
Also looking for a spiffy iphone app as well.
Thanks in advance!
EDIT: Just spoke with my boyfriend, and he is interested in an open source program. Thanks!
I can do everything I need to with a bank statement and a calculator/computer. Don't care much for the fancy visuals, personally...
I have heard many good things over the years about MINT. I have never tried it. I believe it is free source. Many people swear by it's merits. https://www.mint.com/what-is-mint/
Personally, I like Quicken as it is a one stop shop for me. Everything is done from it. I can pay my bills through it, it downloads transactions from banks and credit cards, nice reports, and it is fairly reasonable. If you use it to pay your bills or download transactions from your bank, then you are forced to purchase a new subscription every three years. If a one stop shop is not necessary, and you don't mind paying your bills on one web site and then opening up another program to record your transactions and do everything by hand, then probably one of the other programs might work for you. I am really not familiar with the other programs in so far as what they are capable of doing. Just know that the people who use MINT always say positive things about it.
I have been considering using Mint. Mint is a free money management tool. I usually keep track of everything in a spreadsheet.
The open source thing you are thinking of is Linux Mint a free, open source operating system.
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