• Pxtl@lemmy.ca
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    1 year ago

    Oh good, I thought this was about the Linux distro.

    • rambaroo@lemmy.world
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      1 year ago

      YNAB is a waste of money imo. It’s literally just a spreadsheet with a bunch of mumbo jumbo to justify you paying for it while still manually doing all the work.

      • bitsplease@lemmy.ml
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        1 year ago

        The only work you manually have to do is approve transactions that have been auto imported for you - and that’s absolutely a feature, not a bug

        • rambaroo@lemmy.world
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          1 year ago

          Except the auto-imports fuck up constantly which means you need to manually reconcile them. And they straight up discourage you from using auto imports in the first place. You’re “supposed” to reconcile all accounts manually in YNAB.

          On top of that you have to make sure every transaction is categorized correctly, so there definitely is manual work to do.

          It’s a spreadsheet with a cult, nothing more.

          • bitsplease@lemmy.ml
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            1 year ago

            Interesting that you run into those issues, I’ve had it for years and handedly had to manual reconcile more than once or twice early on, certainly not in the last few years

            Good news is, no one is making you use it!

    • rengoku2@lemm.ee
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      1 year ago

      Not paying subs for YNAB.

      Unless you talk about YNAB4 now that is gold.

    • banneryear1868@lemmy.world
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      1 year ago

      Pre-Intuit it was pretty decent, before banks had their own apps and before there was much competition. Once I could use my credit union’s app and it had all the usual features no more need for Mint.

      These day-to-day budgeting apps with categories and stuff, it’s great when you’re spending in a similar manner or have specific goals. Once I had a mortgage and bills and stuff, I found the granularity of the information wasn’t as relevant, I kind of know what’s going on intuitively enough. Also you have a lot bigger unscheduled spending, like propane every 2-6 months which is gonna be like $1000 and seasonally dependent, yeah you can work it out per year to know you’re okay, but to have some alert that’s like “YOU WENT OVER YOUR AVERAGE ON BILLS THIS WEEK BY 300%!” is unnecessary. Similar with food, I’m gonna load up on meat and it’s gonna be like YOUR FOOD SPENDING IS OFF THE RAILS. Things like “you spent x more on gas this week” it’s like useless info, “okay I won’t buy gas and go to work then… thanks.” “You spent x more on vices,” sure, but I think people know they’re making a bad decision and it’s just a 2nd validation to “manage” the vice spending.

      For useful reporting you can just export your data from your bank/cu and make your own reports. Apps that amalgamate your financial data are still useful but then you’re in to legit financial planning territory which is sort of a separate category of apps.

      • dogebread@lemm.ee
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        1 year ago

        Personal Capital or whatever they rebranded to has been generally stable since I left mint a few years ago.

  • ChickenAndRice@sh.itjust.works
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    1 year ago

    If someone is looking for a local hosted budgeting alternative, consider using Actual Budget. It’s an open source app that’s similar to YNAB

    https://github.com/actualbudget/actual

    Edit:

    Also this is an interesting read from the original developer of Actual. Basically, it started as a closed source web app funded by a subscription model. When the business failed, he decided to open source it

    https://actualbudget.com/open-source

    • QuiteQuickQum@lemmy.world
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      1 year ago

      As a user of YNAB, I’m glad there’s an open source option, as well. The method/approach really clicked for me.

    • missveeronica@lemmynsfw.com
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      1 year ago

      Thank you for posting this. Stupid question, how do I download just to put it on my laptop? I don’t download from github a lot and I’m a little lost pulling down the exe.

      • n2burns@lemmy.ca
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        10 months ago

        I don’t think it’s offered as as an exe as it’s server-client model where you access it through a web-browser. If you want to just run it on your laptop, it can be both your server and client. The installation instructions are here, and there are also instructions for Docker on the left-side menu.

  • 3ntranced@lemmy.world
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    1 year ago

    Oh thank heavens, I thought they were shutting down the economies of Mexico, Indonesia, Nigeria and Turkey

  • OldWoodFrame@lemm.ee
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    1 year ago

    I used to use Mint before they got acquired, I stopped in 2012ish for security concerns because back then the way you connected was just giving them your password.

    Also it broke all the time and my student loans got stuck while my checking accounts didn’t so it ruined my net worth chart which was like 80% of why I liked it.

    But, shame it’s shutting down even if I didn’t like it I’m sure it was useful to others.

    • Pacmanlives@lemmy.world
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      1 year ago

      Hello, this is post World War I Germany calling. Please hold, we have Zimbabwe on the phone right now

  • rckclmbr@lemm.ee
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    1 year ago

    Damn, I went from $50k net worth in 2010 to $3m today on Mint. End of an era. Not sure where to go next

  • Queen HawlSera@lemm.ee
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    1 year ago

    F u c k, that spells fuck.

    Whatever happened to the free credit report.com band? I know that they didn’t get paid for any of the jingles they wrote and so they tried to sue, but I haven’t heard from them since then.

    • Chozo@kbin.social
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      1 year ago

      I’ve been using Rocket Money. It has mostly the same functionality as Mint, but seems to work a lot better. It also doesn’t wait 5 days to notify me of deposits like Mint does.

    • AbsorbsQuickly@lemmy.world
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      1 year ago

      It’s not free but I moved to monarch money and am very happy with everything other than the janky sync for amex cards.

    • papertowels@lemmy.one
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      1 year ago

      I use budget with buckets. Similar to ynab, however syncing, if you want it, only costs $15/year. Free unlimited trial.