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The credit card offers that appear on this site are from credit card companies from which receives compensation. You can set it up and check the nifty graphs (I do miss those graphs!) a few times a month to make sure you're not spending too much in your problem areas.īut if you’re a detailed budgeter and are really looking to take control of your finances, I would recommend YNAB over Mint every single time.Īdvertiser Disclosure: This site may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. If you're not on a tight budget and just want to track a few major spending categories, then Mint might serve you better. The bottom line here is that I like YNAB way better than Mint, but I still don't think it's for everyone. So instead of having to skimp on this month's groceries to pay for that unexpected flat tire repair, I'll be able to cut back on next month's discretionary spending instead. I know that once weare a month ahead financially, YNAB will automatically pull overspending from the next month's budget. YNAB makes the shifting easier than Mint, I think, by showing you how much you're overspending. It's not set in stone for us, and never has been. I've always been one to do lots of shifting in the budget. And I am so looking forward to the day when I can relax, knowing that this month's bills are covered by last month's money. My family isn't a whole month ahead yet, but I know that the YNAB system will help us get there. It wasn't until I encountered YNAB's month-ahead budgeting system that I discovered a different way of looking at my crazy variable income. (Because, clearly, that's the most important bill of all.) I always assumed that freelancers just spent money as it came in, and that all of us worried about whether the next PayPal transfer would hit the checking account in time to pay the Internet bill. Not living paycheck to paycheck is always a good thing, especially when you're not sure when your next freelancing check is coming in, or how much it's going to be. And there's something about the mental and physical effort of that that has made me more conscious of our spending. With YNAB, I know I have to stay on top of entering transactions. With Mint, I could sign off for days at a time, only to come back and find that we'd blown one budget category by $50. (You can also upload your transactions from your bank account, but I haven't done that yet.) Even though this takes more time, it builds in more accountability, which I like. Now, I have to enter my transactions manually. One thing I loved about Mint was that it automatically synced with all my accounts. They're on the budget already, and I don't need to think about them again.
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I also know that my husband is getting a third paycheck in January. For instance, I know we have a couple of big expenses coming up that we need to cover. With YNAB, I can plan ahead as much as I want. You've got to be a few hours into the first day of the month for Mint to reset to that month. That messed up the whole system for several hours. So I started putting in our budget just after midnight. Once, I was overly excited about the planning of the month (yeah, I'm a nerd). With Mint, I'd have to wait until the 1st of the month to plan our budget for that month. I think that, given the chance, YNAB will beat Mint every time. With that said, in the last few weeks,I've become more and more of a fan of YNAB. I appreciate its slick graphical interface and that it automatically syncs with my accounts. You can read details here in our Personal Capital review.Īfter months of debating whether to pay $60 for budgeting software, I finally took the plunge and bought You Need a Budget (YNAB).
#MINT VS YNAB BUDGETING 2019 PLUS#
Second, has launched a free financial dashboard that does what YNAB does, plus a whole lot more. As you'll read in our review, the product now requires a monthly subscription, which we don't like. Update: Since publishing this Mint vs YNAB comparison, two significant events haveoccurred. This content has not been provided by, reviewed, approved or endorsed by any advertiser, unless otherwise noted below. We may, however, receive compensation from the issuers of some products mentioned in this article. You can trust the integrity of our balanced, independent financial advice.