You can download your checking statements in Quicken format, and it pulls in all the updates, categories them (food, gas), and does the math. I was floored I wasted $260 at the gas station alone on junk, not gas. When we took our budget to our Financial Peace University class and showed them our one page versus the four pages they had prepared manually, we won over a couple other converts. I couldn't recommend this software more. If that's not enough "Help" you can post a question to forums OR contact the seller via the website. I have encountered no issues with downloading bank transactions or issues of any other kind. YNAB fits the bill perfectly. After an intensive couple days setting up and learning the software, we now have a real budget for the first time in our lives.
I am a retiree (medical professional) needing to watch spending carefully on greatly reduced income.
I've been using it for a couple of months now and everything seems to be going smoothly. I really like having the transaction tracking and budget tracking in the same software instead of managing it in 2 different places. Not only does it track what you've spent, but has a brilliantly simple ideology for planning for next month. Basically the goal of YNAB is to get you to stop living paycheck to paycheck by having a month buffer, and living a 0 sum budget.
Even the simplest things took forever, and even then were only achieved by Herculean effort. I eventually gave up and discovered YNAB Pro on this site and was instantly struck by the near unanimous ovation given by its users. That would not have been possible without YNAB. Since I stopped living paycheck to paycheck and started budgeting one month behind my money, I have made a complete financial turnaround in the way I spend and think about money. Quicken is also a better product to show you where you could be in x amount of years. If, of course, you only spend what you think you will until then. I've been a long-time Quicken user, and have experimented with other options. This is the first program I've tried that actually is geared around sticking to a budget.
I have had the same large credit card debt for the last ten years that I could never escape from. Thanks to YNAB and the debt snowball method, I have managed to pay off about 40% of that and will have it paid off completely within the next two years (I know the exact date it will be paid off). The success of YNAB is in its approach (the 4 rules, which are key to its success) and the customer service (which is pretty much unrivaled in my experience). And there's a pretty fabulous forum community as well (shout out to all my fellow YNAB users).
We now live well below our means, are able to enjoy family vacations and are saving for our family's future. The communication between my wife and I has gotten 1,000 times better and we rarely disagree on things anymore. You won't be disappointed with this God-sent utility. I have been using YNAB for a little over a year now.
I am a retiree (medical professional) needing to watch spending carefully on greatly reduced income.
I've been using it for a couple of months now and everything seems to be going smoothly. I really like having the transaction tracking and budget tracking in the same software instead of managing it in 2 different places. Not only does it track what you've spent, but has a brilliantly simple ideology for planning for next month. Basically the goal of YNAB is to get you to stop living paycheck to paycheck by having a month buffer, and living a 0 sum budget.
Even the simplest things took forever, and even then were only achieved by Herculean effort. I eventually gave up and discovered YNAB Pro on this site and was instantly struck by the near unanimous ovation given by its users. That would not have been possible without YNAB. Since I stopped living paycheck to paycheck and started budgeting one month behind my money, I have made a complete financial turnaround in the way I spend and think about money. Quicken is also a better product to show you where you could be in x amount of years. If, of course, you only spend what you think you will until then. I've been a long-time Quicken user, and have experimented with other options. This is the first program I've tried that actually is geared around sticking to a budget.
I have had the same large credit card debt for the last ten years that I could never escape from. Thanks to YNAB and the debt snowball method, I have managed to pay off about 40% of that and will have it paid off completely within the next two years (I know the exact date it will be paid off). The success of YNAB is in its approach (the 4 rules, which are key to its success) and the customer service (which is pretty much unrivaled in my experience). And there's a pretty fabulous forum community as well (shout out to all my fellow YNAB users).
We now live well below our means, are able to enjoy family vacations and are saving for our family's future. The communication between my wife and I has gotten 1,000 times better and we rarely disagree on things anymore. You won't be disappointed with this God-sent utility. I have been using YNAB for a little over a year now.
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However, if you're doing a head-to-head comparison to Mint, you're going to find YNAB (slightly) clunkier to use. RECLINER SLIPCOVER.
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