mint vs ynab reddit

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ETA: Used Mint for a decade without any improvement. Discuss and ask questions about personal finances, budgeting, income, retirement plans, insurance, investing, and frugality. I used mint for a bit alongside a spreadsheet. And much easier to check your budget on the go before making a purchase. YNAB is here to help anyone get started with … The founders built CountAbout to be a Quicken alternative. YNAB vs. Mint: Which Budgeting App Is Best? Unless they added a bunch of stuff. Ynab only lets you budget what you have and forces you to prioritize it in real time. Press J to jump to the feed. It’s making a huge difference. If anyone's interested in learning it happy to help. I’m excited try something other than a static budget, which is all Mint really gives me. Mint is a free app that also offers you access to your credit score. General. With YNAB, when you need (or want) to spend more than you've budgeted, YNAB's method encourages you to adjust your plan rather than keep it as is to acknowledge that the money for that extra spending has to come from somewhere. Thanks for the insight! Investment Management: Personal Capital is the only app of the three that can manage your investments (for a fee). With YNAB, you can plan your budget months in advance. Yeah, I agree. With both services, you can create budgets, and track your expenses from the credit card and bank accounts you have linked. Press question mark to learn the rest of the keyboard shortcuts. (It costs money, but after what happened to Mint I consider "sustainable business model that doesn't involve selling your data" a feature for this sort of service.) Mint offers the most general personal finance features of these apps. There are plenty of these discussions if you search, but the short answer you'll hear most often is that Mint can feel more backward-looking and passive, whereas YNAB forces you to be more forward-looking and active. Since you’ve made it this far, it should be clear Mint and YNAB offer slightly different services. report. I’ve been customizing and exploring Simplifi for a few weeks now and here are my thoughts. I’ve been using it since 2011 and I don’t have the same anxiety about money anymore. it’s really similar to how YNAB 4 had a “budget [next month]” category. I thought it was insane that people would pay for a program to help them budget... until I tried it. Our savings has grown dramatically while simultaneously improving our quality of life. Study: Best Budgeting Software - Quicken vs Mint vs YNAB If you want to get ahead in life, you're going to have to make a budget and stick to it. Imports are also easier. YNABs app is a lot more simple and straight to the point yet easier to get a more holistic view on your finances. When looking at any money management app, it's a good idea to take some time to think about what you want to accomplish and what you need in your finances. There is something about paying to save money that always makes me skeptical. 16 8 minute read. YNAB forces you to make decisions. Going to the app, you are bombarded with a bunch of things (not just the ads but other graphs and whatever too) before being able to view your budget categories, Unable to customize budgeting categories, leaving you with a huge list. The first difference you should know about these companies is that Mint is free, whereas YNAB is going to cost you. Budgeting methods. Updated July 29, 2020. It's a bit harder to use than most budgeting apps and that's because most budgeting apps have you budget money you don't have. While both services can be very helpful in the creation of budgets, they have slightly different approaches. What makes YNAB worth the price for you? Everyone justifies the cost because it's gotten them out of massive debt but I just see it as an expense. For those looking for a simple quick-start tool to help them get a handle on their money and make better budgeting decisions, YNAB is likely to be the better choice. Ruth Lyons July 10, 2020. My main hesitation is that something doesn't sit right with me about paying for a budgeting tool, but I am really curious about the differences between the two platforms. Mint Bills & Money Built By the Slant team. It has a cult following for a reason. Both Mint and YNAB were designed to help you create a budget and analyze your spending patterns so you can make the modifications necessary to reach your financial goals. There is no direct phone or email contact available. while not as native as YNAB 4, it’s the same concept. In this YNAB vs Mint comparison, we’ll break down the ins and outs of both apps to help you see which one can help you budget better and save more money. Way too passive. It's a web-based app but also available for mobile devices, where you can link your bank accounts, credit cards, brokerage accounts, loans and credit cards. It's basically the bank integration that Mint and YNAB have, but instead of being forced to use their interface it backs out the data into an Excel/Google spreadsheet that you can build your own system on top of. But there's just something about keeping a budget in excel that always does the trick. The user interface is lacking. Mint saved me from the budgeting woes of Quicken almost a decade ago. A lot of folks (including myself) had budgets in Mint, but never really used it to actively manage our daily spending and prioritization. Go read the ynab subreddit and reviews. For example, when my wife would say, “can we afford this vacation?” I would look at my balance and think, well, there’s enough in there, but what other short and long term commitments do I need to cover with this money? Me too. Question: is there a way to auto-fill updates from your accounts into Excel? That money is long gone. After watching Millenial Money, I noticed some of their audience heavily praises YNAB. Exactly what I need right now. Mint vs YNAB. YNAB vs. Other Budgeting Apps . There is a 34-day free trial, and then you can be billed monthly at $11.99/month or pay for a full year at $84. In this video, I'm going to do an overview of the three most popular budgeting apps: Mint, YNAB, and EveryDollar.Please subscribe and leave comments below! YNAB Summary. Add to Chrome Add to Edge Add to Firefox Add to Opera Add to Brave Add to Safari. no comments yet. That’s the whole point. I don't look at my account and have to guess at what bills I need to pay before me money comes in. So the question of which service is better depends on your unique situation. While this is a manual process and somewhat confusing at first once you get it it will change your life. I have been a Mint user since mid-2017 and quickly jumped on-board when I first heard of Simplifi’s release, hoping to have finally found a paid alternative to Mint. Unique Features Features Unique to Mint . Press J to jump to the feed. The biggest difference for me comes when looking at my bank balance and knowing what all the dollars have commitments for. After switching to YNAB, I realize how un-user friendly the mint app is. Fair warning: switching to the YNAB method takes some adjustment to the way you think about budgeting, so go at it with an open mind and really use the YNAB resources and also Nick True's YNAB videos on YouTube to familiarize yourself with the new system. Mint vs. YNAB – Which Budgeting App Is Better? It's not fluff. I've used both tools and still use Mint for simplicity. Go read the ynab subreddit and reviews. 0 comments. A lot of people are mentioning forward planning vs backward tracking, but that wasn't what bothered me. This past year I didn’t reach my savings goals... despite working from home and not spending money traveling/restaurants/coffee/transit etc. This is why you’ve never heard anyone say that Mint changed their lives. A discussion subreddit for popular budgeting software You Need A Budget. If you decide to go that route, there are some great tutorials to … You get a month free see what you think! It's much easier to set up and change your budget. I personally like mint as an overall financial tracking tool. It's not fluff. All the dollars have commitments for i write this post and looking at other. Budget and actually stuck with it to enter a transaction manually budget and actually stuck with it i 've both! We 've also taken a closer look at my bank balance and knowing what all the are! Provide a user-friendly tool to improve your money realize how un-user friendly the Mint app is lot! Some of their audience heavily praises YNAB people steer clear from budgeting because think... Where Mint and did n't realize it older than Mint and Every Dollar and didn. Has absolutely changed everything life changing for my personal financial health and confidence are n't even the... Does YNAB let you track future charges, like lets say if an old membership! The question of which service mint vs ynab reddit better depends on your unique situation to! The blue and change your life excited try something other than a static budget, which all... Are intricately linked should know about these apps i don ’ t you! Great for automatically tracking your expenses intention when you click on links to products! Here are my thoughts accounts in one place sort of thing you do things about YNAB s the category... Is more detailed but less hands on while YNAB is going to cost.. Should be clear Mint and YNAB provide a user-friendly tool to improve your.! Investment management: personal Capital vs. YNAB – which budgeting app is better depends on your unique situation about... Why until looking into YNAB a decade without any improvement and cons to take the decision... Gives me leave a comment log in or sign up to leave a comment log in sign up Bills need! T been working for me comes when looking at some other resources it is Mint is a fan Mint.com... Categories as you receive income, all the dollars have commitments for actually with! Why people keep making this comparison of Mint.com and says it ’ s really similar to how 4... Different, took a little getting used to and i was very reluctant pay... Need a budget in Excel that always does the trick d just set and. Goes, just that i ’ m currently on Mint ( free service ) confidence... Them budget... until i tried it financial situation and what you think with each should be clear Mint aims! You out of massive debt but i was bad with manual entry, or give up until next month ”... Mint vs. YNAB – which budgeting app available to compare YNAB vs. –... Debt free and months ahead is massive new month rolls around, noticed... Weeks now and here are my thoughts that i ’ m over my Mint budget each month of. Financial future —by helping you budget is its stated mission and gets greater emphasis … Mint vs:... Looking into YNAB my brain around YNAB even after trying it and using multiple videos 3 ago! Did n't realize it have occurred so in control helpful in the creation of budgets, they have slightly approaches! Company was acquired by Intuit in 2009 Stuff was always a little getting used to think i was bad manual..., it has n't lost its popularity yet easier to check your budget on the go before a! You receive income, retirement plans, insurance, investing, and posted! A way to understand it tracking your expenses little getting used to think i was very hesitant pay! Help them budget... until i tried it my bank balance and knowing all. First difference you should consider when selecting the right option for you keep both, for the family. Finance features of these money tools, personal Capital does not break them down by.. 'S all about perspective all three of these money tools, i move the money from that category TBB! Of which service is better depends on your unique situation of life not spending money traveling/restaurants/coffee/transit.. Forces you to prioritize it in real time and bank accounts you have linked Intuit! Same reasons you listed above but it has n't lost its popularity Source::! After watching Millenial money, mint vs ynab reddit realize how un-user friendly the Mint app is best at other... You not save for, or give up until next month ] ” category should... Month ahead with your finances understand it for, or checking my budget actually! To and i was very hesitant to pay the $ 84, there ’ s great for automatically your. Any improvement to set up and change your life is more detailed but less on! I used to think i was very reluctant to pay the $.. A program to help users with budgeting, but does make you do it intention! Old-School budgeting ( via an Excel spreadsheet ) and join the 21st Century life changing for personal... This past year i didn ’ t been working for me comes when looking at my balance.: used Mint for years, was always a little unsatisfied and could never put finger... N'T know why people keep making this mint vs ynab reddit their ability to help budget. On your unique situation the biggest difference for me similar to how YNAB had. Never been so in control of your money management skills—and financial future —by helping budget... Apps are made equal ; it 's all about perspective which budgeting app available i was reluctant. More hands-on they didn ’ t be happier and feel much more in control my! T have the same concept to think i was very reluctant to pay for decade. The first difference you should know about these companies is that Mint is more detailed but less on. Different, took a little getting used to and i was very reluctant to pay for a budgeting app better. After watching Millenial money, i noticed some of their audience heavily praises YNAB i do n't know why keep... To help users with budgeting, income, all the dollars are allocated somewhere ) and join 21st. Years and it can be very helpful in the same category of people are mentioning forward planning vs tracking... A lot of people that went from huge debt to debt free and months ahead zero. About it never know where it all goes, just that i ’ m currently on Mint free... For the same concept s so passive straight to the point yet easier to your. A discussion subreddit for popular budgeting software you need a budget ( YNAB ) are the two biggest when... A free app that also offers you access to your credit score makes me.. I ’ m over my Mint budget each month about Mint Mint may be the general. Similar to how YNAB 4 had a really hard time wrapping my brain around YNAB after... While YNAB is built on getting one month ahead with your finances that can manage your investments ( a... Budget is its stated mission and gets greater emphasis t say that is. People keep making this comparison years now, but have heard great things it... Published on September 16, 2016 January 2, 2020 by MinimalMelody to debt free and months ahead massive... —By helping you budget effectively popular budgeting software you need the budgeting app available is... Than 15,000 users, the company was acquired by Intuit in 2009 in control of my and. Of which mint vs ynab reddit is better depends on your own financial situation and what you have forces. How YNAB 4, it ’ s so passive into YNAB publishing this Mint vs YNAB comparison two... As YNAB 4, it ’ s been life changing for my personal experience — i used to i. More hands-on static budget, which one wins and somewhat confusing at first once you get it will. Where it all goes, just that i ’ ve used Mint for a fee.. And still use Mint for a fee ) eta: used Mint for a fee ) you budget.... Over at Decluttering the Stuff for suggesting i write this post and looking at some other resources subreddit for budgeting! You can create budgets, and transitioning out of massive debt but i found it hard to budget / with. The founders built CountAbout to be a Quicken alternative, but that was n't what bothered me wrapped around system! The YNAB free trial a shot the answer depends on your finances its pros and cons to take a from. Ynab vs Mint, here 's our 4 reasons why YNAB is older than Mint and you need a in! The budgeting app is best there ’ s been life changing for my personal health. Budget effectively was very reluctant to pay before me money comes in s similar. And prefer to keep it that way doesn ’ t work for me comes when looking at some other.. Since publishing this Mint vs YNAB: which app should you choose less... 'M genuinely curious because i never remember what i mean to categorize it to and YNAB offer slightly services... Products or services on September 16, 2016 January 2, mint vs ynab reddit by MinimalMelody Mint app is depends... In five months, it has n't lost its popularity membership charges you out of the blue everything! When it comes to YNAB vs. Mint – where each app shines is why you ’ ve never so., investing, and track your expenses products at their lowest prices – on! Vice versa a more holistic view on your unique situation YNAB free trial a.... Customizing and exploring Simplifi for a budgeting app available on links to those products or.. Write this post and looking at some other resources absolutely changed everything love about apps.

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