A discussion subreddit for popular budgeting software You Need A Budget. If I buy YNAB 4, am I buying a version that requires a subscription? However, YNAB is free for 12 months for all students (in addition to the free 34-day trial). I had also bought YNAB4, and now I am in a trial subscription of the new online version, and I'm loving it. Easily connect your accounts in one place. If you don't want to pay the new pricing, I'd suggest continuing to use the old version or replicate the functionality in your own homegrown spreadsheet. At 30 quid a year, i.e. I started with YNAB in 2011 and I only upgraded to the subscription last year as I predominantly use Apple. It’s a subscription service at ~$84 PA, and web-based, but doesn’t link with UK banks so some amount of manual importing is required. If I could afford it I totally would! Once we started using YNAB, we had a much clearer picture and we had better communication about who was spending what and how that money was transpiring.”, I thought of consumer debt as something that would always be with me. Because you spend 100% of the dollars you don’t budget. You can still download and use the version you bought as long as it will run on your computer: https://classic.youneedabudget.com/. Press J to jump to the feed. No questions asked. YNAB actually goes way beyond tracking your purchases – it’s main goal is to help you budget. The new pricing sucks but someone has to pay for Jesse’s Tesla. Cookies help us deliver our Services. I do not talk about price even, monthly subscription price versus old lifetime license which I paid for all platforms - iOS, OSX and Windows. On average, new budgeters save $600 in their first two months with YNAB. $50 per annum per user is a NPV cost paid by a lifetime user of over $1000. Except all that debt and stress? I think a smartphone probably is best for most people, but for me, the garmin is simply dedicated to a few driving tasks and frees up my smartphone for other things see less I believe they do come with "lifetime" map updates but that refers to the life cycle of the product .. after a few years it will be discontinued and you will be asked to pay for the update. Try it free for 30 days. If you’d like to use the new YNAB, you will need to create a new account, sign-up for a free, 34-day trial, and then (hopefully!) After your free year as a college student, we’ll give you a one-time 10% discount! We don’t want you to feel any anxiety about locking in that lifetime discount. YNAB is the best budgeting software for keeping good control over money running equally good on Mac and Windows. Yes! It’s almost impossible not to fall in love with the budgeting tool called You Need A Budget, or YNAB for short. 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. Their previous policy was the licenses are perpetual for the version, but upgrades to the new version only apply if you purchased within a certain amount of time just before the upgrade. Oh, and more than $6,000 after one year. I found YNAB paid for itself within a matter of weeks, and many times over in the past two years, not just in money saved and money spent more wisely, but also in peace of mind and a quietly growing financial confidence. My old password and login don’t work so I tired to contact customer service. Fast forward 2 years and I maintain my view that the new YNAB: (It’s seriously slick, you should try it.). If you decide to cancel your subscription and delete your account, all of your data is removed from the YNAB database. You can have your plain glazed donut, which is still really delicious, but you can't eat the deluxe glazed donut with sprinkles, too. YNAB makes money through its $84 a year subscription fee. YNAB Review 2020 – Yes, You Need A Budget! Alternatives that offer something similar: No questions asked. £2.50 a month, I'm happy that this represents good value for money for me, but I suspect this will be quite controversial and I wanted to give MNers a chance to avoid the charge. Your data stays encrypted the entire time. Sorry, this post was deleted by the person who originally posted it. We’re making YNAB subscriptions free for you to distribute to those you serve, along with our always-free live workshops, educational content, video resources, and personalized support. I’ve learn excel pretty well since I bought the original about 4 years ago. The YNAB for Good initiative exists to support and empower organizations who are already working to create and teach financial stability in underrepresented and marginalized communities. It promises to help you pay off debt, save more money and create a flexible budget that makes it easy to achieve your financial goals. Using the latest version of YNAB 4, select “Migrate to the new YNAB” from the File menu. And, obviously, we know you need a budget. I know this isn't ideal, but you may find that it's worth the extra subscription to run your business budget with your business partners in a completely different account. Usage reports. As mentioned above, YNAB doesn’t offer a current or savings account and so doesn’t come with a long list of fees and limits. They even have free classes on budgeting! By using our Services or clicking I agree, you agree to our use of cookies. How you update your subscription depends on which platform you're using and how you subscribed. Heroku uses the Amazon Web Service Technology and continually monitors their security. If you currently have a subscription to Calm, please follow the directions below for canceling your subscription. As a college student, what happens after my free year? Long story short, you got exactly what you bought. purchase a subscription. In terms of an investment, that’s a serious return. We use it to keep track of money set aside for future purchases in sinking funds (more on that in a future post). Learn more about Mint.com. YNAB came out with a new version, and it’s a yearly subscription cost as it’s hosted online rather than locally (or using Dropbox) and that isn’t included in a YNAB 4 licence that you own. I paid monthly subscription to make intense tests and to migrate myself to cloud version. You Need a Budget (YNAB) is subscription-based budgeting software available both on desktop and mobile devices. I believe the two are completely different systems. If you subscribed directly through YNAB, changes to your subscription can be made in your Account Settings in the web app. ‎YNAB—Budget, Personal Finance, Expense Tracker YNAB will help you break the paycheck to paycheck cycle, get out of debt, and save more money. That’s my kind of company. 4. We offer more than fifteen different free workshops—things like “Create a Debt Paydown Plan” and “Saving Money On Groceries.” And we have an active community of YNABers who are happy to help new budgeters, alongside our stellar support team. Direct import currently only supports US and Canadian banks—but File-Based Import works like a charm. The subscription model also changed, so it's now online and has amazing support. If you’ve changed email addresses or you bought YNAB 4 through Steam or another program, once you’ve started your free trial email [email protected] with proof of your YNAB 4 purchase (your original email receipt or copy of your activation key works great!) Thanks! What does your "No-Risk, 100% Money-Back Guarantee" cover? 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 finances - very sensible. When the new version was a subscription, their transition was that if you'd purchased your v4 license within a certain period before, they gave you a corresponding amount of free time on your subscription. Key Features: Bank Synching—Easi… YNAB charges a monthly subscription fee of $6.99 (or about £5.20), so less than your Netflix or Amazon Prime subscription. It’s been a while since I was earning enough to use it, but now I wanted to rekindle it as I take out loans for college. I'm desperate for budgeting software but I'm leery as it is paying 60 bucks. So, since we are all on the same page—let’s do this! Go with the new software, you won't regret it. How do I move my YNAB 4 budget to the new YNAB? 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 of debt. Upgrade here, and a 10% lifetime discount will be automatically applied to your annual subscription. Using the latest version of YNAB 4, select “Migrate to the new YNAB” from the File menu. YNAB's last version was YNAB 4, which was a desktop-based application. How do I move my YNAB 4 budget to the new YNAB? Thank you for the links! Now I know that I can stop adding to the debt, and I can even pay it off.”, I'm a self-confessed spendaholic. They need to offer a monthly payment plan, if they're worried about the payment processor's fee just accept bitcoin lol. I didn't go that route so I'm not familiar with the process, but I'm sure chatting with their customer support would be helpful. There are some things I miss but I see why other people have lived the new changes. Press question mark to learn the rest of the keyboard shortcuts. This review delves into what YNAB offers. Do you really give college students YNAB for free? If I can crawl out of debt and get ahead, then anyone can!”. Budgeting is not restrictive. In fact, we offer a No-Risk, 100% Money-Back Guarantee. Please note, purchasing a lifetime subscription will not necessarily cancel the auto-renewal of a current subscription so be sure to complete these steps to avoid extraneous charges. Also, more control and less stress. So I bought YNAB a while ago for a lifetime subscription of around 100$. (The old version continues to be licensed, but there's a time limit on support.) YNAB offers students a free one-year subscription, and 10% off the subscription price if they renew. YNAB charges a monthly subscription fee of $6.99 per month. New versions of software have almost always come at a new cost. The requisite warnings about giving your banking data to a cloud-based third party aside, it’s decent budgeting software. Lifetime access to Calm may be purchased at any time. 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). You can select what currency you want to use in your budget, but you can’t use multiple currencies together in a single budget. ; If you subscribed through the App Store (on an iPhone or iPad), you'll need to manage your subscription through Apple. We can’t wait to get you budgeting! I personally feel it’s wrong and don’t agree with a yearly fee. YNAB offers bank synching, access to your real-time budgeting data from any device, reports, goal-setting, personal support...and peace of mind. So what do you have to lose? We are offering a lifetime 10% discount for existing YNAB 4 users. They do offer a no-risk, 100% money back guarantee if … Or think of it like this: skip one night of eating out this month, and you’ve paid for YNAB for a year (and cut out 1,000 calories!). Is YNAB safe? Personally, I don't find the new features particularly worth the full price they're asking (I do subscribe at a discount). Personal support and teaching, 7 days a week. Let's say you bought a lifetime subscription of plain glazed donuts at Krispy Kreme, but they later came out with a deluxe glazed donut with like sprinkles on them. With a cult-like following, YNAB (stands for “You Need A Budget“), which started as a custom spreadsheet, has turned into a complete budgeting solution, helping users “save over $6,000 in their first year using the software! You to feel any anxiety about locking in that lifetime discount on upgrades which! `` No-Risk, 100 % of the old one still works, except maybe with a yearly.... New YNAB you don ’ t work so I tired to contact customer Service ( or £5.20! 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