▲ 229 ▼ What's the best financial decision you've ever made? (lemmy.world) submitted 3 years ago by CaspianXI@lemmy.world to c/asklemmy@lemmy.world 180 comments fedilink hide all child comments
[–] PlutoniumAcid@lemmy.world 4 points 3 years ago (2 children) Heard of YNAB? You need a budget. Great for envelope budgeting! permalink fedilink source parent hideshow 4 child comments replies: [–] threeLetterMeyhem@lemmy.world 5 points 3 years ago (2 children) Yup! I'm a fan and a current customer (have been with them over a decade)... except that it's kinda expensive now. For people new to it I'd recommend actualbudget instead and just do manual/semi-manual imports. permalink fedilink source parent hideshow 4 child comments replies: [–] pmyourtwat@lemmynsfw.com 2 points 3 years ago How is actual these days? Development was rocky in the early days of open source so I left for plaintextaccounting. Based on the discord seems to be waaay more vibrant now. If we had good bank imports and more flexible/robust reporting, I may go back permalink fedilink source parent [–] papertowels@lemmy.one 1 point 3 years ago I'm a big fan of budget with buckets, which allows you to import via simple fin bridge. One time $50 payment, also unlimited time trial. I used it for about 4 months before paying up. permalink fedilink source parent [–] intensely_human@lemm.ee 1 point 3 years ago (1 child) YNAB is so fucking confusing permalink fedilink source parent hideshow 2 child comments replies: [–] PlutoniumAcid@lemmy.world 2 points 3 years ago (1 child) Yes - there are many aspects to it. Got anything you want to jam about? I'd like to give you some responses, if I can. Let's find the ynab community? permalink fedilink source parent hideshow 2 child comments replies: [–] intensely_human@lemm.ee 1 point 3 years ago No thanks. I find it easier to use structureless system where I enforce the rules rather than software to do it for me. Like I track my expenditures, and I have a rough envelope system set up between my two banks. Each paycheck $1k goes into an account that handles all bills plus savings, with most of them on autopay, and any remainder goes to a different bank and I use that card for whatever I feel like. All I remember from trying to use YNAB is it somehow concluded I had $50 when I actually had like $150 and there was no way to override it. I was working as a freelancer at the time and there was no way to answer its “How much is your regular recurring paycheck?” I don’t need something inflexible like that. permalink fedilink source parent
[–] threeLetterMeyhem@lemmy.world 5 points 3 years ago (2 children) Yup! I'm a fan and a current customer (have been with them over a decade)... except that it's kinda expensive now. For people new to it I'd recommend actualbudget instead and just do manual/semi-manual imports. permalink fedilink source parent hideshow 4 child comments replies: [–] pmyourtwat@lemmynsfw.com 2 points 3 years ago How is actual these days? Development was rocky in the early days of open source so I left for plaintextaccounting. Based on the discord seems to be waaay more vibrant now. If we had good bank imports and more flexible/robust reporting, I may go back permalink fedilink source parent [–] papertowels@lemmy.one 1 point 3 years ago I'm a big fan of budget with buckets, which allows you to import via simple fin bridge. One time $50 payment, also unlimited time trial. I used it for about 4 months before paying up. permalink fedilink source parent
[–] pmyourtwat@lemmynsfw.com 2 points 3 years ago How is actual these days? Development was rocky in the early days of open source so I left for plaintextaccounting. Based on the discord seems to be waaay more vibrant now. If we had good bank imports and more flexible/robust reporting, I may go back permalink fedilink source parent
[–] papertowels@lemmy.one 1 point 3 years ago I'm a big fan of budget with buckets, which allows you to import via simple fin bridge. One time $50 payment, also unlimited time trial. I used it for about 4 months before paying up. permalink fedilink source parent
[–] intensely_human@lemm.ee 1 point 3 years ago (1 child) YNAB is so fucking confusing permalink fedilink source parent hideshow 2 child comments replies: [–] PlutoniumAcid@lemmy.world 2 points 3 years ago (1 child) Yes - there are many aspects to it. Got anything you want to jam about? I'd like to give you some responses, if I can. Let's find the ynab community? permalink fedilink source parent hideshow 2 child comments replies: [–] intensely_human@lemm.ee 1 point 3 years ago No thanks. I find it easier to use structureless system where I enforce the rules rather than software to do it for me. Like I track my expenditures, and I have a rough envelope system set up between my two banks. Each paycheck $1k goes into an account that handles all bills plus savings, with most of them on autopay, and any remainder goes to a different bank and I use that card for whatever I feel like. All I remember from trying to use YNAB is it somehow concluded I had $50 when I actually had like $150 and there was no way to override it. I was working as a freelancer at the time and there was no way to answer its “How much is your regular recurring paycheck?” I don’t need something inflexible like that. permalink fedilink source parent
[–] PlutoniumAcid@lemmy.world 2 points 3 years ago (1 child) Yes - there are many aspects to it. Got anything you want to jam about? I'd like to give you some responses, if I can. Let's find the ynab community? permalink fedilink source parent hideshow 2 child comments replies: [–] intensely_human@lemm.ee 1 point 3 years ago No thanks. I find it easier to use structureless system where I enforce the rules rather than software to do it for me. Like I track my expenditures, and I have a rough envelope system set up between my two banks. Each paycheck $1k goes into an account that handles all bills plus savings, with most of them on autopay, and any remainder goes to a different bank and I use that card for whatever I feel like. All I remember from trying to use YNAB is it somehow concluded I had $50 when I actually had like $150 and there was no way to override it. I was working as a freelancer at the time and there was no way to answer its “How much is your regular recurring paycheck?” I don’t need something inflexible like that. permalink fedilink source parent
[–] intensely_human@lemm.ee 1 point 3 years ago No thanks. I find it easier to use structureless system where I enforce the rules rather than software to do it for me. Like I track my expenditures, and I have a rough envelope system set up between my two banks. Each paycheck $1k goes into an account that handles all bills plus savings, with most of them on autopay, and any remainder goes to a different bank and I use that card for whatever I feel like. All I remember from trying to use YNAB is it somehow concluded I had $50 when I actually had like $150 and there was no way to override it. I was working as a freelancer at the time and there was no way to answer its “How much is your regular recurring paycheck?” I don’t need something inflexible like that. permalink fedilink source parent