This thread is archived. YNAB is extremely transparent and seemingly ethical in their practices. As a side note, I started working with Mvelopes yesterday and am ready to give it up. If you start using YNAB in College, then pay the subscription for your working life (say 50 years) the opportunity cost is over $10,000 compared to saving the subscription each month with a return of 5% pa. For those unfamiliar with the term opportunity cost it is "the cost of an alternative that must be forgone in order to pursue a certain action". And unlike other budgeting programs, YNAB isn’t a one-time cost. You can input things like future homes, college costs, future loans, living cost adjustments, etc. Anyone who wants to sync this across devices should use Dropbox synchronization, obviously. There's no way I can consider paying such a high amount over and over, but 60 bucks is definitely worth it to me as a one-time expense if the software will truly help me save money and get out … I quit YNAB when it went subscription and became web based, those were the deal breakers for me. We don’t want you to feel any anxiety about locking in that lifetime discount. My … Subscription-based service ($35.99–$103.99/year) ... Quicken has a "Lifetime Planner" that also lets you play with different scenarios. Quicken will use these assumptions to give you an interactive look at how they'll affect things. But, after a week now, it's working great! Lifetime Avast Driver Updater Keys Fr… Uncertainty, COVID-19 and Estate Plan… I remember the days, back before I used YNAB, when I considered a car repair to be an Emergency. Also, if you were or are a YNAB 4 user then you’ll also get a lifetime ten percent discount off of the yearly fee which makes the final price $45/year. In addition to already being paid for, I understand how to use it and have a hefty history in it. If you have a previous version of YNAB, you’ll be able to score a 10% lifetime discount on the latest version. When you subscribe via our website, you'll see the 10% lifetime discount applied to the annual subscription. PocketGuard also identifies opportunities for users to save money like canceling recurring subscriptions or negotiating bills. But, even if I were to buy into their "lifetime discount" for $45 per year, that's a huge increase--approx 285%. Just this year, the rate has fluctuated between 1.2 and 1.35, so you'd likely be paying between 63 and 70 pounds for the subscription, depending on what the rate is on the day your renewal happens. YNAB Pro is a fantastic BUDGETING program. It’s currently priced at $5/month or $50/year if you pay for the year in full. YNAB's last version was YNAB 4, which was a desktop-based application. Magnum Stache; Posts: 3253; Re: YNAB price increase - signup before 11/15 for grandfathered pricing « Reply #1 on: November 13, 2017, 11:06:23 PM » … YNAB (see our review) is an app that provides both the mechanics of monitoring your income and expenses and instructional support to help you deal with the root causes of financial distress. Related: How to Make a Zero-Sum Budget: Your Tool to Financial Freedom. Much like YNAB, it's a budgeting tool that uses the principles of zero-based budgeting. And, it's even more than my annualized costs for Quicken (six-year average of $31.25/yr). While new users will pay $83.99 per year, existing users can upgrade for a lifetime discounted subscription price of $75.59 per year. We look at 5 of the best alternatives in this article. "Some of you YNAB 4 users have wanted more time to lock in the lifetime 10% discount, especially as it relates to waiting for some favorite features (reports, the blessed calculator) to make it into the new YNAB. This is a nice review, but I have to say, as a user and lover of YNAB 4, I am NOT sold on the idea of moving to a subscription based service. … New comments cannot be … 67% Upvoted . YNAB have just announced that YNAB 5 will be released tomorrow and via replies on Twitter have confirmed it will be a subscription-based program, so you will pay a certain annual fee like you do with Microsoft Office etc nowadays. I'm going to sign up for the trial to lock in the 'lifetime discount', in case I change my mind, but for now, I'm going to stick with YNAB 4. I don’t have much interest in making ongoing financial commitments. They offer a 34-day full-featured free download. They’re both good options, but which one is gooder, er, better?That’s a tricky one. … I’d rather pay for the software and be done — so for the foreseeable future I’m sticking with YNAB 4. I wasn't too fussed about the subscription … The app itself is beautiful, available on your smartphone, and there is both a free and paid … Reply. 2 … Logged … Like 2. When it came out, it had a lot of bugs to work out, has it improved to the point where it's worth the subscription and better than ynab 4? Logged terran. I paid monthly subscription to make intense tests and to migrate myself to cloud version. I was a very loyal customer and told other people about the software, now I warn people against it. If you never watch anything on Hulu or end up throwing away half of those pre-made dinners, it’s time to cancel your subscriptions and free up some more money to save. However, YNAB is free for 12 months for all students (in addition to the free 34-day trial). For those looking for a tool to manage their finances, there are some excellent alternatives to Quicken and Mint. 5. Hagermaniac ; hagermaniac; 1 yr ago; Reported - view; dakinemaui I was actually thinking along the same lines a few minutes ago. Khaki Storm; YNAB book topics online: … You know the price will be $84 US, but depending on the exchange rate, you won't know what you'll need to budget for. There are lots of people out there that absolutely rebel against subscription services, but honestly,I have to say that YNAB has easily saved me $5 per month since I’ve been using the software. Many of us are big fans of You Need a Budget and around New Year we tend to get an influx of new starters as people decide to take control of their f A lot of things that happened during the ordinary and usual course of life, if they happened more irregularly than my monthly bills? When you create your budget breakdown, it helps to know where your money goes to create a successful budget and make smart money choices. I … You might be asking yourself, “Should I keep going with my aggressive debt payoff or should I stockpile more cash? Con #6 – YNAB Isn’t Free (It’s a subscription… like Netflix) I discuss this in more detail below but unlike other budgeting apps, YNAB isn’t free. Just like you can put nickels, dimes, dollar bills or checks from grandma in a piggy bank, you can hold a variety of different investments—mutual funds, stocks, bonds, CDs, etc.—in your Roth IRA. And through its referral program, you can accrue points to trade for a month (or more) of its PocketGuard Plus service. A veterinary bill was an emergency. Unfortunately on the very begin I stuck on totally different, changed ynab logic - I cannot make any schedule transaction and put it into register with … Importantly, they are not a type of investment. It took a little while to learn some of the nuances in YNAB. share. Garf says: May 13, 2018 at 7:43 am. Fine Print. Budgeting. YNAB ought to be moved to the free-to-try section. YNAB style budgeting without a subscription? We don't want you to feel any anxiety about locking in that lifetime discount. When it comes down to it, that's what I need - help controlling my spending so I can get out debt and out of the rat race sooner rather than later. It's a level of rigor that can be refreshing or restricting, depending on your personality. Rather than using the "built-in" method, I'd recommend using the native Linux Dropbox client instead and just instructing YNAB to use a folder within your Dropbox … Also YNAB Pro is a ONE TIME EXPENSE with lifetime upgrades - all for less than the cost of an upgrade to Quicken. If you sign up for the new YNAB with the same email address you used to purchase YNAB 4, you’ll automatically lock in the discount. 1 day ago. However, without budget categories, you won’t know where you spend and how much you need. Just keep in mind that the trial can only be added once per email account, so if you have multiple students that's when multiple accounts may come in handy (even if only temporarily). I figure I have 34 days to figure out if it's worth maintaining a subscription to. So many of them were emergencies. Like 5. Another concern, which they haven't answered yet as far as I can tell, is whether you will be able to access the new YNAB without an internet connection. They do not sell information to third parties, but may give others access to it in the course of business as they work to facilitate the software through companies such as Amazon Web … It is very easy and profitable to migrate and upgrade to new versions of YNAB as it offers 10% lifetime discount on upgrades. Show more comments Comments are closed. 22 comments. If I buy YNAB 4, am I buying a version that requires a subscription? I'm desperate for budgeting software but I'm leery as it is paying 60 bucks. Simplifi by Quicken is our new top pick for the best budgeting app for most people. The newest version of Mvelopes (where I'm a lifetime member) isn't working well and I tried YNAB a few days ago and had everything set up in a very short time since I was able to use most of the data that I already had on hand. If you're a YNAB 4 user switching to the current version, you're eligible for the lifetime discount! Just set up that trial, and if you come back to subscribe in two weeks, two months, or two years, we’ll … It’s also worth noting that any existing YNAB users are entitled to a lifetime 10% discount off the annual subscription rate of the new model. Whenever you’re dealing with multiple financial goals, they all … I am trying to use … Also, on their website it said ynab 4 users get a lifetime 10% discount on the subscription, would that apply if I bought ynab 4 thru steam? As someone who is looking to optimize my life, getting into the subscription model just doesn't make any sense for me. YNAB is a household subscription, so the student trial can be applied for anyone in the home (we send a link and when you click on it the trial is applied to the account that you're logged into)! Many people still have their key and there's no restrictions … Will I be forced to subscribe now or in the future? save hide report. Best for Zero-Based Budgeting: YNAB . Updated July 29, 2020. A budget is a piece of paper or spreadsheet that commonly illustrates the amount of money you earn and spend in a month. In zero-based budgeting, you assign every dollar to a category (or job, in YNAB parlance). Page 4. We are offering a lifetime 10% discount for existing YNAB 4 users. All you need to do is sign up for the web-based YNAB with the same email you used to purchase YNAB 4. I do not talk about price even, monthly subscription price versus old lifetime license which I paid for all platforms - iOS, OSX and Windows. I could be wrong, of course, but I wouldn't hold my breath for such a capability. I'm not looking for anything fancy, and I can jerryrig something in Excel or a rather hideous homemade app, but I was wondering if anyone else did YNAB style budgeting without physical envelopes or paying a yearly fee. Someone close to me likes the idea, but can't afford to pay for it at the moment. As your specific train of thought regarding "limited lifetime" categories is rearward looking, I suspect it would fall on deaf ears at YNAB. YNAB price increase - signup before 11/15 for grandfathered pricing ... ($45 for me because of my 10% lifetime discount). YNAB is billed at $50 per annum, and offers 100% money-back guarantee. Oh, that's a tough one! 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