#ynab — Public Fediverse posts

Weil ich keine Lust habe🤪, gibt es zu meinem heutigen #DiDay-Projekt keinen Blogbeitrag, aber immerhin hier einen Hinweis: bestimmt 10 Jahre lang habe ich meine Finanzen mit der Budgetierungssoftware #YNAB organisiert. Die haben aber so enorm die Preise angezogen (von ca. 30 auf über 100 Euro pro Jahr), dass es Zeit wurde für eine Alternative. Seit einem Monat im Einsatz habe ich jetzt #ActualBudget. Lässt sich lokal installieren, läuft aber auf meinem NAS.

https://actualbudget.org/

#DUTgemacht

Fazit nach 6 Monaten: Funktioniert gut! Hauptkonto und Hauptkreditkarte importiere ich mittlerweile per CSV. Empfänger werden weitestgehend automatisch kategorisiert (basierend auf Historie). Und das Dashboard sieht auch hübsch aus. Ist aber trotzdem viel Aufwand, war mit #YNAB aber auch so. Das ist einfach dem geschuldet, dass wir in der Schweiz so was wie Open Banking nicht wirklich kennen (ja es gibt bLink, aber das nützt nichts, weil völlig unzugänglicher Branchenstandard).

I've been using YNAB (You Need a Budget) for 12 years. Their general budgeting method works for me very, very well. But their recent TOS change is again about giving my data to third parties, and their app is always on the top of my e/OS/ "this week trackers blocked" list... what are my alternatives except coding myself and excel-like?
#YNAB #YouNeedABudget #PrivacyMatters #alternative

Here is a follow-up to my post about switching from YNAB to Actual Budget

I’ve now created a guide for Actual Budget on Uberspace, and the @ubernauten team was kind enough to publish it in their Lab.

https://u8lab.uberspace.de/guide_actual/

The guide shows how easy it is to run Actual Budget on Uberspace (including simple updates)

#did #actualbudget #ynab #enshitification #budget

I was a long-time fan of YNAB and the envelope method, but the app has unfortunately become much worse. Instead of real features, there were questionable design changes that disrupt the user flow – all while prices are rising.

Luckily, I discovered Actual Budget on Digital Independence Day. It is open-source, supports the envelope method, and can be used offline or self-hosted. Unlike YNAB, the community provides features that actually help, such as templates, rules, and notes for all categories.

I am now hosting it with @ubernauten. Instead of paying an expensive subscription for a worse user experience, I prefer to donate the money directly to the developers of Actual Budget while supporting a local hoster.

#did #actualbudget #ynab #enshitification #budget

Ok, so now I can actually use Actual Budget.

So far:

* Keyboard shortcuts, but not for reconciling, which is the one shortcut I use all the time.
* No budget targets/goals, although YNAB's implementation is so strange I'm not even sure that's a bad thing.
* No differentiation between account types, other than on budget or off budget. Don't think I care.
* No budget categories for credit card payments, which I think I prefer.
* Seems to have more interesting/flexible reporting, including report dashboards you can set up.
* Seems like it will pick up on reoccuring transactions, which is something I liked in Lunch Money but YNAB does not have.
* No mobile app. You can save to homescreen which kind of works offline, but only if you're launching it on the local network frequently. Otherwise things get out of sync.

#Homelab #SelfHosted #ActualBudget #YNAB #PersonalFinance

@markusr wie sind die Bedienkonzepte in #Actualbudget im Vergleich zu #YNAB? Ich nutze zweiteres schon sehr lange und habe meine Workflows, die ich blind runter spule. Ich schätze aber im Sinne von #DiDay, #unplugtrump und #unplugbigtech sollte ich mir das auch mal ansehen.

Dann springe ich auch Mal auf den #DiDay-Trend auf: Heute habe ich #YNAB durch https://actualbudget.org ersetzt. Das kann budgeting im Browser. Anders als YNAB ist #Actualbudget selfhosted und kann optional E2E-Encryption.

Deep video
I could only think of one portal

https://youtu.be/5RzoPFFUZZY?si=xrYEQKB2wIyXrQHs

#ynab #life #money

Nothing derails a budget faster than good intentions and a forgotten spreadsheet.

As someone who’s blind and has always cared a lot about budgeting, I’ve never found spreadsheets to be a great long-term solution. I would usually start off strong, but once I was out and about, it became too easy to forget to update the sheet, and before long the whole budget would fall apart.

Having a budget is one of the most helpful things anyone can do for their finances. It gives you a clear picture of where your money is going, makes it easier to save, and helps break bad spending habits if you give it time and stick with it.

After trying a lot of tools, the one I’m genuinely grateful to have found is You Need a Budget (YNAB). It has completely changed the way we manage our money. The iPhone app is accessible, the Android app is too (as far as I know), and the browser version works fairly well—though I personally prefer the mobile app because it lets me track spending wherever I am.

You can link your bank and credit card accounts or manage everything manually if you’d rather keep it separate. If you’re looking for better money management, it’s absolutely worth a look. I’m including a link that gives you a 34-day trial. I strongly recommend using the whole month before deciding if it fits your style.

Getting started can feel a little overwhelming, but there are plenty of YouTube videos that walk you through it. For screen reader users, the concepts are easy to follow and translate well to the accessible parts of the app. I’ve even been thinking about creating a YNAB tutorial specifically for screen reader users.

I truly believe in this program, and at this point I’m confident it’s the budgeting tool I’ll be using for the long haul.
As promised, here is the link.

Oh, hi! You've been invited to try YNAB! During your free month you'll gain a clearer picture of your finances so you can spend on the things that matter to you. Ready to (dare we say) love your spending? Tap the link to get started. https://www.ynab.com/our-free-34-day-trial/?utm_source=customer_referral&utm_campaign=mobile_share

#YNAB #Budgeting #AccessibleTech #PersonalFinance

I have been using YNAB since 2012 and since switching to the web app in 2015 I've manually inputted over 16.000 transactions for my household.

That's a lot of manual work but being so closely acquainted with my spending has been a game changer.

#ynab #software #personalfinance

I have a girlcrush on #YNAB Hannah 🤭

https://youtu.be/8PMO3B6sCKw?si=cFhVu_H9-rUdr89r

A few weeks into using YNAB, I have almost enough money in my "Bills Only” checking account to pay next month’s bills by the end of the month, and I'm not spending all of my leftover money before getting paid again. #ynab

For those of you who are into #PlainTextAccounting: Which software are you using and why?

I'd like to finally start personal accounting again. I stopped when #YNAB became SaaS. YNAB's "envelope budgeting" worked really well for me, and I'd like to get back to a similar workflow. (Or, if you think you know something superior, let me know!)

I'm very open to comments and suggestions here, but it has to be open source software.

#Beancount #hledger #ledgerCLI #ledger #accounting #FOSS

@collin you may already know about #YNAB, You Need a Budget. The software is nice, but the real important thing is their method, the rules you apply.

By having a new checking account with a fixed amount, you’re already on your way to « give every dollar a job ». The other rules are important, but rule 1 is THE rule.

If you haven’t, check their online training. It’s really good.

As seen on reddit :-D
https://www.reddit.com/r/commandline/comments/1k2utqt/you_need_a_budget/
#YNAB #finance

Off course you can handle your expenses. But maybe you still want to know exactly how much you can spend TODAY.

Read on then. https://codeberg.org/miccaman/YNAB #finance #budget #YNAB

A nice side-effect of switching from #YNAB 4 to self-hosted #ActualBudget via a VPN is that it shows me if I'm not connected to #Tailscale for some reason, which I generally want to be because I use it for #NextDNS too.

Seriously, Time Budgeting Is Life-Changing.

https://www.alexstandiford.com/articles/blog-posts/seriously-time-budgeting-is-life-changing/

I just cancelled my #YNAB subscription (it’s expensive!) and went back to #ActualBudget, and I find it really neat that they have an actual local desktop app now. A server is completely optional! And it’s open source!

Looks like the project has come a really long way since I left it for YNAB a couple years ago. Really excited to use it some more!

Oh, and there’s a really easy way to import from YNAB into ActualBudget too!

https://actualbudget.org

#YNAB at ₹9,900/year is way too expensive. Yeah it'll probably help me save that much + give me peace of mind, but damn, that's an annual 10k outflow that I'm not comfortable with.

I might just make my own spreadsheet with dehydration and hyperfocus.

Are there any #budgeting fans out there? Who uses #YNAB I love that app

#youneedabudget #money #budget