It takes some time commitment and patience on the front-end, but isn’t your financial well-being worth it?! There also aren’t any bells and whistles like the other two providers such as credit score, bill organization, retirement planning, etc. It took me some time to figure out how the whole YNAB system worked as it’s definitely a different methodology than either Mint or Personal Capital (credit cards are a doozy). It’s also great for setting goals to save for something or pay off debt. YNAB also forces you to “clear” every transaction which I love for fraud purposes of just making sure we recognize all the transactions. Sure, Mint will tell me I’m over budget, but it’s easier for me to shrug it off and wait for the clean slate to start the following month. For example, in Mint I’ll typically set our budget once a year based on our spending in the last 12 months and kind of set it and forget it. re-evaluating your values), which I do not find myself doing in Mint. It forces you to take an active role in allocating and re-allocating your money (i.e. So if I’ve allocated $100 to Starbucks and I spend $110, I need to move $10 from another category to make YNAB happy. It’s the digital equivalent of the envelope method. not any paychecks you are going to receive) and allocate every dollar to a category or purpose.
It forces you to take a look at your existing cash (i.e. YNAB made me realize there is a difference between tracking your spending and truly budgeting. I for one could use a lot less queso… more budgeting, less delicious melty cheese! What I Love About It I know the whole saying that if you just gave up your daily latte you’d be a millionaire is super overplayed, so I’m just going to go ahead and say that it’s the equivalent of a couple cups of queso from Chipotle.
Mint vs ynab budgeting for free#
Like, tried it for free for 34 days and paid for the annual subscription and never looked back love YNAB. Hellooo… I’m trying to stick to a budget here not spend more money. I was hesitant to try YNAB because it’s not free.
Mint vs ynab budgeting trial#
YNAB offers a 34-day free trial after which their annual subscription is $83.99 (or $7 per month). Keep reading to see what platform is the best fit for you! You Need a Budget (YNAB) – Your Budget’s Best Friend Cost However, now that I’ve spent some time on all three platforms, I’ve found myself really liking them all for different reasons. When I set out to write this post last fall I was pretty sure I’d just be reconfirming my long-standing love affair with Mint.
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