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It has a College Program that offers students one free year of YNAB. If you do cancel mid-subscription, they do offer a pro-rated refund for the unused months in your subscription. They do offer a no-risk, 100% money back guarantee if you are unhappy with the program. If you sign up for the annual plan, it costs $84 per year. YNAB charges $11.99 per month for the monthly plan. If you cancel your account, YNAB clears your information from the database upon request. They encrypt your data and staff members cannot access your financial information unless you request it. They use technology similar to that of the CIA. Is it safe? YNAB claims to take security seriously. The higher that number, the better you are doing. You'll see the age of your money right on the dashboard. Live on "old money." At a minimum, YNAB wants you to live on last month's income. In other words, stop timing your bill payment to paydays. Deal with the issue and keep moving forward by learning from the issue. Don't just throw in the towel and give up on budgeting. If you go over budget in one category, make adjustments. This is in an effort to give you more control over your budget. Do you panic when they roll around because you don't have the cash? YNAB helps you allocate funds for these bills on a monthly basis. Think of the bills you owe once a year or every six months. YNAB wants you to put money aside for large expenses a little bit at a time. The goal is to get ahead so that you live on last month's money. It also helps you stop living paycheck-to-paycheck. This might sound strange, but it helps you avoid unnecessary spending. In other words, you must assign a category for every dollar you make.
Where YNAB differs, though, is in its principles. You create the categories, import or enter your transactions, and see how you fare. YNAB works similar to many other budgeting programs. Keep reading to see if YNAB is something you might want to consider to get your budget on track. YNAB offers several types of support to get you on your way. In other words, no money sits without a category.
If that means you can get out of debt or realize a small amount of financial freedom, then their mission is accomplished.
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Even if you aren't to the point that you can live off of "old money," the program aims to help you learn how to put an end to living paycheck-to-paycheck. The founders of YNAB feel that the longer you can live off the money you made in the past, the more financial freedom you will have. They want you to plan for upcoming bills so that when they happen, you aren't in a mad dash to find money to cover it. What this app does is help you think ahead. You won't be able to view your net worth, track your investments, or get investment advice. Poor investment and retirement trackingĮxcellent budgeting app without extra bells and whistles.
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