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@jetsa: I don't even track transactions! yikes!
@.twist.: is it an online based program? I totally just watched toe video and it looks like it would be perfect!
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I was looking into this.. but my husband's custom spreadsheets are just about the same thing! Haha, we are pretty crazy with budgeting
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@cheert16: I hadn't in over a year so your good! It's not really online based you download the program and then input your transactions. You just follow the category balances instead of your checking account.
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@cheert16: Not online based. It's one of the reasons I was comfortable using it, because I do not need my banking linked anywhere else on the internet besides the bank it's associated with.
@dreamocracy: My original spread sheet was insanely detailed. I ended up going with this because I don't have to adjust hardly anything, entering amounts in cannot be miscalculated (unless I enter it wrong in the first place, but it's WAY easier to catch now). I mean, ultimately, if you have something that works for you already, then you are probably set.
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@.twist.: We are currently doing a total 180 with our finances. And part of it is a new budgeting tool. I use excel now. I don't like Mint. So I was going to give this a try. Do I need to buy it on my home computer? or is a system I can access from multiple computers?
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@Smurfette: I would buy it on the computer you will be using it on. It is software you have to download. You can download it again on another computer, but I would not download it onto, say, my work computer.
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@.twist.: I usually do our banking first thing when I get to work, before I actually start work. But I wouldn't want a software on my computer. I will do it at home.
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@dreamocracy: I used to have a really detailed spreadsheet too, but this program makes budgeting so much easier... and fun!
@Smurfette: Buy it on your home computer, but you can only access it from computers you download it to. Like I can't just type in a URL, login, and see my budget. It's a desktop app, not cloud based.
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@Smurfette: You can use one of the apps too! They're free and user friendly.
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@Mrs. High Heels: thanks for the info, I will show it to the hubs since he's the budgeter
He was actually thinking of creating custom budget spreadsheets/software for people as a service since he has done it for a lot of family/friends. I'm just not a numbers person so I am glad he's talking care of it all
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Ok y'all, I just signed up....
I guess I'll see you in the chat thread.....
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I've been quietly reading everyone's responses on the YNAB thread, and made the leap. Can't wait to install it tonight and check it out. Thanks for the link, @jetsa!
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@MediaNaranja: @DisneyBee: yay! Hope you ladies find it as helpful as so many of us have.
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@MediaNaranja: @DisneyBee: Woohoo!!! Join the other thread too.
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Is it really time consuming? We don't budget (tsk tsk, SO BAD, I know) and I'm lazy when it comes to stuff like tracking. Tracking ANYTHING (which is why I could never join Weight Watchers).
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@HabesBabe: There is definitely tracking. The initial set up and learning curve may take a few weeks, but now that I'm more than a month in I can sit down for 10 - 15 mins once a week and get it all done. Honestly, I'm not great with tracking things either, but I have come to really ENJOY doing our budget and I often find myself checking it even when I don't need to or looking forward to entering certain things.
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I just bought it and will get together with the hubs to start a budget. I have never budgeted before..Hopefully it will help us out!
Thanks@jetsa:
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Interesting...Quick question- do you have to manually enter each transaction in (like a check book?) or does it pull information from your accounts and do it automatically?
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@BabyMats: Good Luck!
Their website has a LOT of resources so don't be afraid to go searching! It's very informative and helpful. @travellingbee: Yes, you have to enter them. They do not sync with your bank in any way. There is an import feature, but your bank and YNAB will never be "linked".
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@travellingbee: you have to enter each transaction individually it will pull then from your account but you need to approve them. It wants you to be conscious of your spending
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@.twist.: thanks i already signed up for some of the classes
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I'll have to echo the veterans to say that I think I'm in love with YNAB. Once you get the hang of it, it is so much more intuitive!
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@.twist.: @jetsa: thanks so much!
He was actually thinking of creating custom budget spreadsheets/software for people as a service since he has done it for a lot of family/friends. I'm just not a numbers person so I am glad he's talking care of it all
Their website has a LOT of resources so don't be afraid to go searching! It's very informative and helpful. 
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