I've always been shit with money and my wife's an excel wizard. She's been doing our budgets this whole time, and I've gone through them and somehow never seem to understand them as much. I came to this sub to become better at that and found mint, but seeing as I don't live in North America, I cannot use it. YNAB was the next most talked about app, so I tried it out by reconstructing my wife's excel spreadsheet, and all of a sudden it started making sense to me. I still don't fully comprehend it all, and I struggle to stay disciplined with that spreadsbeet, but I'm actually far more aware now of my spending and think about money in a completely different light because of YNAB. It's only been under a week and I still want to run my trial period out before I commit to paying for it.
I had a discussion with my wife about it and she doesn't think it's worth paying to save when she's got a free alternative (her excel sheets), but I feel like a caveman when I look at them. She has a point, but I feel like me being able to fully comprehend what's happening vs me kinda understanding our budget is worth it in the long run.
It's a decision we'll make when I have a better understanding of YNAB as well, but what are your thoughts on YNAB? Why are you paying for it instead of just using a spreadsheet? What is it that really makes it worth paying a subscription fee?
Submitted February 11, 2017 at 08:49AM by sandalcade http://ift.tt/2l4Fws6
