YNAB OCUKers & 2025 Budgeting!

I love YNAB. I used it to get out of debt (23k) got comfy and stopped using it for a few years and back in debt again.

I had the free version on my laptop at the time but I’m on the paid version now - app only. Not as hands on but very simple to use.

I’m quite clearly useless without it so may as well stay on it! Have zero qualms paying £99/year for the privilege. Anyone with money issues seriously give it a go, with a months free trial what is there to lose.
 
Hagar said:
Only if you submit to online banking. ;)

YNAB = you need a brain.
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Surprised by these passive aggressive comments condemning people who take financial responsibility by means other than pen and paper, or excel.

With ynab there is absolutely nothing stopping you manually entering your transactions should you wish to. I did that from 2018 up until last year without issue - only moved to linking my various accounts once I was fully comfortable with budgeting. I'd argue as a result of ynab that I'm now more financially responsible that 95% of the population. The intelligent move is finding a method that works. If that's a pen a paper, then good for you. If that's a budgeting app, then so be it. No need to be a douche about it.
 
Hellsmk2 said:
Surprised by these passive aggressive comments condemning people who take financial responsibility by means other than pen and paper, or excel.

With ynab there is absolutely nothing stopping you manually entering your transactions should you wish to. I did that from 2018 up until last year without issue - only moved to linking my various accounts once I was fully comfortable with budgeting. I'd argue as a result of ynab that I'm now more financially responsible that 95% of the population. The intelligent move is finding a method that works. If that's a pen a paper, then good for you. If that's a budgeting app, then so be it. No need to be a douche about it.
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You are also trying to feed justification that an app is needed by everyone to save money when it clearly isn't and it offends when some people are more than capable of living life without needing their hand held which this app basically is.

You are making it sound like budgeting is some sort of rocket science. It is really quite basic.

Take when the utility bills went up by £100 a month. I cancelled all my subscriptions and ended up net zero so in reality it didn't effect me at all. I do not need an app to sort that out for me.
 
I'll gladly admit that at times I'm absolutely rubbish with money. Dunno what all this "you need a brain" nonsense is all about, if someone chooses to pay the same as a pint a month for something that can help them financially, what's the problem?


The fact so many are dunking on others for trying to improve their quality of life says more about them than anyone else tbh.
 
Hellsmk2 said:
Surprised by these passive aggressive comments condemning people who take financial responsibility by means other than pen and paper, or excel.

With ynab there is absolutely nothing stopping you manually entering your transactions should you wish to. I did that from 2018 up until last year without issue - only moved to linking my various accounts once I was fully comfortable with budgeting. I'd argue as a result of ynab that I'm now more financially responsible that 95% of the population. The intelligent move is finding a method that works. If that's a pen a paper, then good for you. If that's a budgeting app, then so be it. No need to be a douche about it.
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Whatever suits, it was the comment not from you that an app can do it all. No need for manual reconciliations or deciding personally whether something is affordable or whether to use a credit provider.

Personally speaking I have not used a credit card since 1983 (probably at some expense), anything we have bought excluding the house purchase has not used credit and we have only bought stuff from cars downwards using available liquid funds.

This also means we have never been indebted and indeed I would argue that as a result of this I am equally more financially responsible than 95% of the population. Not being a douche.
 
Have to wonder how good all the people making snide remarks actually are at making a detailed budget across multiple categories, managing it across (usually) multiple credit cards and bank accounts, for every transaction, and sticking to it.
Some will be great, obviously. I suspect many aren't. Unless you are great, chances are you would benefit from something like YNAB. If you are great and this level of detail is important to you, you'd likely still benefit from something like YNAB unless you don't value your time very much.

I used to use Money Dashboard before it went bust and I think I'm talking myself into signing up for Money Hub at £1.50/mo. Can't really see a downside. My budget tracking has reverted to an overly simplistic money in vs money out each month at the moment.
 
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EvilRob said:
Have to wonder how good all the people making snide remarks actually are at making a detailed budget across multiple categories, managing it across (usually) multiple credit cards and bank accounts, for every transaction, and sticking to it.
Some will be great, obviously. I suspect many aren't. Unless you are great, chances are you would benefit from something like YNAB. If you are great and this level of detail is important to you, you'd likely still benefit from something like YNAB unless you don't value your time very much.

I used to use Money Dashboard before it went bust and I think I'm talking myself into signing up for Money Hub at £1.50/mo. Can't really see a downside. My budgets have reverted to an overly simplistic money in vs money out each month at the moment.
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I doubt anyone is doing it as autistic as I am - but I cannot fathom how anyone can live without a cashflow forecast for this month/next month. Y'all must be making way more money than me to not have that worry.

The double click on spend categories etc. is then just "useful" but I generally lean-six-sigma greenbelt everything anyway (buy it when its cheap, not when I need it). So it wouldn't make sense for me to cap spend at £300/mo on groceries because I can have an expensive cash month but save a bundle in later months.
 
Diddums said:
I'll gladly admit that at times I'm absolutely rubbish with money. Dunno what all this "you need a brain" nonsense is all about, if someone chooses to pay the same as a pint a month for something that can help them financially, what's the problem?


The fact so many are dunking on others for trying to improve their quality of life says more about them than anyone else tbh.
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Did you age 50 years in one night? Didn’t expect you to be the sensible one :P
 
dlockers said:
but I cannot fathom how anyone can live without a cashflow forecast for this month/next month
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It's usually the same every month. Mortgage, bills, supermarket shops. Within a couple hundred of the same every month.
We both put in a certain amount from paycheck and that covers the month. Most of the rest goes into savings, and I leave myself a couple hundred for day to day for the month. Anything expensive I pay on credit card and pay it out of next months pay before I take the savings slice.
 
adam cool dude said:
You are also trying to feed justification that an app is needed by everyone to save money when it clearly isn't and it offends when some people are more than capable of living life without needing their hand held which this app basically is.

You are making it sound like budgeting is some sort of rocket science. It is really quite basic.

Take when the utility bills went up by £100 a month. I cancelled all my subscriptions and ended up net zero so in reality it didn't effect me at all. I do not need an app to sort that out for me.
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I said use whatever works. Hardly saying everyone needs it. If a budgeting app offends you, then I'd suggest a re-evaluation of life in general.

Also, it IS difficult for people who don't know how to budget. If it wasn't, then there would be no people in debt. It is easy once you know how, like anything in life. Using an abacus is easy too, but a calculator is easier and faster.

Why are you so angry? Such a strange battle to fight.
 
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dirtychinchilla said:
Just telling people they need a spreadsheet or to do better isn't helpful.

I'm good at managing our family finances, but my personal spending is a **** show. I love spending money.
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That's a question of willpower, not budgeting. Anyone can spend money here, there and everywhere. That's the easy part, knowing if you can afford it or not is another thing.

Diddums said:
People who have never been up to their eyeballs in debt will never understand the crippling effect it has on your life and your mental health, and if something like this helps prevent others from getting in to that situation, then it's a winner for me!
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Oddly enough, the crippling effects of debt works surprisingly well as a deterrant on its own and encourages (for me at least) to budget better. There are plenty of money experts out there with free information in assisting with debt management / general budgeting. I've mentioned a couple of tips earlier in this thread. There are always going to financial surprises along with the way in life, but if you can organise your finances enough you'll hopefully minimise the ones that could do the damage.

 
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