Originally posted by Luhgnut:Really, it's nothing that you can't download an excel template and run. Derp Perhaps you can share that Excel template?There are quite a number of complicated templates, or templates that replicate parts of the functionality. Is there a set of templates that integrate as well as this software program, provide as intuitive an interface, and have technical support for them as well? That is before we even get to the phone software, and synchronization.Why would you buy any game?
Its nothing you can't download a game engine, and set of mods to run yourself right? As someone who's really good with excel (It's my job to be), and is totally okay with using other people's work as a starting point, I've yet to see any form of excel budgeting that replicates even have of the functionality that I've gotten from the YNAB software.I mean, sure. Basic functionality, importing, expense tracking, etc, are simple to put into excel. But it's the little things, the ease of use and formatting/presentation (as well as the godsent cloud syncing) that really make YNAB a joy to use, as opposed to a burden.And say what you want, paper and pencil will get you just as far, but the trick is you have to /actually/ use them. And YNAB makes itself very easy to use.
Download YNAB 4 for Mac OS X (Snow Leopard 10.6 through High Sierra 10.13) Download YNAB 3 for Mac OS X (Leopard 10.5 through Mavericks 10.9) Download YNAB 4 for Windows (XP, Vista, 7, 8, and 10). In YNAB 4 you used to have to reconcile each transaction individually. The direct import feature now makes reconciling accounts much quicker (assuming you’ve kept on top of adding transactions as they happen). It’s as easy as clicking Reconcile Account and then Yes if the account balance lines up with what your financial institution says.
I've saved well over 500 in my first month of use. That makes the pricepoint well worth it to me.Your mileage may vary, but I would encourage everyone who is struggling on the month to month to at least give the demo a try. If you are still using it at the end of the trial time, then it's worth buying.
I worked as a software dev and systems admin for 15 years (Ingres ABF/4GL, BP3, VB, C, etc - mostly working on Sun Solaris and PC Windows platforms) and I am also pretty handy with excel, there are no doubt some cool spreadsheets out there to help you budget (I have made up some of my own in the past when I felt the need previously to budget my expenses), but I have yet to see a free one that works in such a polished way as YNAB and is as simple to use.I picked the product up as it was inexpensive and would save me time writing something myself, to look after my budget. Originally posted by:I've yet to see an Excel template that can import transactions from your bank, or auto-synchronise with your phone, but you can replicate most of the basic budgeting functionality in Excel, for sure.I mean, we even give away what you need to do, right here:That said, not everyone wants to spend hours and hours writing an Excel spreadsheet that does all this stuff, so YNAB is for them. If you want to do it in Excel, you're more than welcome to:)I used to use an excel template up until I grabbed your product. Honestly I can import my bank statement into it. I just set up a Macro that scans columns the way I want it to and I just have the columns auto-sort based on a check list.
It makes things easier and faster, OP proclaiming it's Excel is just being unrealistic. They both work with numbers, but this one's tailored to finaces. While I'm sure someone could create an Excel template that could do the bulk of what YNAB does. Haven't seen it anywhere 2. It would be A LOT of work and 3. It surely wouldn't be freeTo say this is just a spreadsheet really isn't fair.
I use Excel and while they share some similarities they're not the same. When I import my bank transations it already knows most of them since the majority of what I do with my monies the same month to month. I don't have to do much of anything after the import. It knows Alberto's is fast food, it knows is workout supplements.Could Excel do that? I'd say just guessing it MIGHT be able to, but I sure as hell don't want to invest the time to learn how. Even if this program really was nothing but an really advanced finance excel template, it's worth the $$$ imho.
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But, alas it's not, and it can do things that Excel can't, period. To be honest to really create something that could do everything YNAB does it would take Access. Which is a PITA to use, costs $$$$ and would take lord knows how long. Definitely longer than even $60 is worth here. This is a no brainer in my eyes. It's helped me get my $$$ somewhat in order. I still have a ways to go, but it's pretty remarkable it was able to help me at all lol.