How to get started with YNAB (+ free get started guide)

My YNAB conversion

In December, I mentioned that I was trying out YNAB (You Need a Budget), an alternative to Mint. I've been a Mint user for about 7 years and it served its purpose well for a time. But that changed in recent years once we weren't so pressed to achieve immediate financial goals, such as when we paid off our house in less than 2 years.

Well.... I've made the leap. YNAB is proving to give much greater insight into the current state of our spending affairs. You can read more about what I've learned by switching to YNAB over on their blog. For now, the best budget software for me is YNAB. 

YNAB showed us how important awareness still is for our budget, even though we are well beyond paycheck-to-paycheck living. It was humbling to know we’ve kind of been doing it wrong for the last few years, or that we could at least have been doing it better. I'm looking forward to making more progress this year and getting much closer to our dream of financial independence.
how to get started with YNAB

Only a partial goodbye to Mint

I think Mint has some great features. I still use it to create a full view of my financial situation, so I'm not throwing in the towel completely.  But YNAB helps me to be much more aware of what my money is doing. It is one of the best budget apps out there and will be the best one for you if you use it and it changes your financial behavior for the better.

Are you interested in YNAB?

YNAB recently launched the web-based YNAB 5. It offers several new features including transaction imports, goals, and something they call "the age of money". I think the age of money promises to be the most powerful for many people as it moves you away from paycheck-to-paycheck living. Only having enough money to pay your bills this month is usually what undoes the financial well-being of many people as they don't have enough cash to cover an emergency.

If you are interested in trying it out, they offer a 34 day free trial with no payment method required. After that, it's $6.99 a month. (Disclaimer: I do receive a free month of YNAB for each referral from this link. If you sign up, please consider using this link. You can also earn free YNAB months with their easy referral program.)

Subscribers, you can see just how easy it is to get started with YNAB using my free 6-step guide in the subscribers-only resource library.

Not a subscriber? Sign up! It's free.

Are any of you YNAB users? What do you like the most about the tool? Let me and other readers know in the comments below.