YNAB OCUKers & 2025 Budgeting!

[DHR]

Is there a hidden YNAB community here?

Reason I ask is my assumption, is we all love spending around here (I'm probably wrong!)

With it being the start of the year I figured a fair number of people may be looking to manage their cash a little more effectively?

My wife and I took YNAB out a few months into last year, and I've just failed at it constantly, where as she's managed to embrace it. It's a great tool, if you manage to use it though.

Ultimately debt pay down was the aim for me, but I'm in that irritating cycle that's hard to break out of, the stretch goal after that is pension management and a focus on that because I am starting to get old and time is flying by.

I need motivation. I need a kick up the bum. I need others experience in familiar surroundings, not the cult of YNAB on Reddit

 

[NotAGolf]

YNAB

You Never Ate Beaver??

 

[dlockers]

Lol love how saving money starts with buying something.

 

[Derek W]

YNAB

You Never Ate Beaver??

You need a buttplug. Clearly missed out on the secret Santa!

 

[DHR]

Lol love how saving money starts with buying something.

Exactly

It's a mentality shift I'm definitely in need of!

 

[glenimp617]

all you need is an excel sheet with the incomings at the top, and the outgoings at the bottom

what's left is what you work with for savings and debts

 

[dlockers]

Exactly

It's a mentality shift I'm definitely in need of!

So hold up - this whole thread references ynab (something no one has heard of so far) but your actual thread is not to use ynab?

 

[LiE]

all you need is an excel sheet with the incomings at the top, and the outgoings at the bottom

what's left is what you work with for savings and debts

This is the way.

Also putting everything into separate pots each month. Starling is good for this, all my bills go into a bills pot where the direct debits are taken from. Then I have groceries, petrol and subscriptions (for which I have a virtual card attached). The main account is discretionary spending only.

Everything else goes into the ISA.

 

[DHR]

So hold up - this whole thread references ynab (something no one has heard of so far) but your actual thread is not to use ynab?

Genuinely shocked if nobody here uses YNAB, it's a huge platform

 

[LiE]

Genuinely shocked if nobody here uses YNAB, it's a huge platform

I bet many don’t. Budgeting isn’t rocket science.

 

[Diddums]

Genuinely shocked if nobody here uses YNAB, it's a huge platform

Never heard of it

 

[Azza]

Self host Actual or Maybe or Firefly IIi or use a spreadsheet or a piece of paper.

 

[DHR]

Self host Actual or Maybe or Firefly IIi or use a spreadsheet or a piece of paper.

These look interesting thanks @Azza

 

[squerble]

Self host Actual or Maybe or Firefly IIi or use a spreadsheet or a piece of paper.

These look good - guess that's my afternoon sorted! I'm using an Excel spreadsheet now but I always work forward (so January's income will be Feb's outgoings) and I need to get a better handle on it, plus I'm ***** at Excel

 

[DHR]

These look good - guess that's my afternoon sorted! I'm using an Excel spreadsheet now but I always work forward (so January's income will be Feb's outgoings) and I need to get a better handle on it, plus I'm ***** at Excel

They look very similar to YNAB without the sub fee to be honest. Let me know how you get on @squerble

 

[Feek]

Does anyone know what ynab is?

 

[dlockers]

Does anyone know what ynab is?

Genuinely shocked if nobody here uses YNAB, it's a huge platform

A huge platform apparently

 

[adam cool dude]

Does anyone know what ynab is?

Something for stupid people by looking at Google.

 

[adidan]

Something for stupid people by looking at Google.

Now I am interested

 

[dlockers]

Now I am interested

OK, so your mummy gave you £5....