YNAB OCUKers & 2025 Budgeting!

Finally getting my head around this. I think it's a combination of the app only updating every now and then in the background, as well as my head being stuffed full of caffeine this morning.

Great fun so far. I think I've overcomplicated it something silly.

Had one or two restarts for the same reason, too general isn't helpful, not general enough is just as bad.

From a tracking and net worth point of view I've actually started to enjoy it, visibility wise it's an eye opener at times.

For me at least, it's caused way more of a shift in perception of 'value' be it monetary or otherwise in whatever is being spent on. Historically, I'd drop £200-300 a month eating out sometimes and wouldn't blink, flip side being I'd sweat a decision on buying other stuff for less that'd last years if not a lifetime :rolleyes:
 
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I've just started using this https://www.gethomebank.org/en/index.php to replace my aging, overly complicated spreadsheet. Simple to use, didn't take long to get things set up - will see how I prefer it. I only came across it since installing Kubuntu on my laptop, but looks like it's available on Windows and OS X too.

Other software that I've use before (Gnucash and some others) are just too complicated for their own good; think this one strikes a good balance for home use and doesn't look like garbage.
 
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