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Comment by qrush | Hacker News Reader

YNAB has turned my financial life around. I wish I had started using it 10 years ago. They also have built an importer from Mint. Some highlights I love:

* One window to every account I have, which mostly automatically updates/syncs

* Envelope budgeting has forced me to look at every penny and figure out what it's for

* API to work with other tools (for me, Splitwise - https://github.com/vascopinho/split2ynab/)

And here's my referral code for a free month: https://ynab.com/referral/?ref=ASH303nViLPCKyr-

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Another vote for YNAB. It is expensive, but for me it pays for itself in a month.

It can be as open-ended or as detailed as you like. And the tutorials / videos are worth watching, as well.

I have been a bit lax with my budgeting lately, but YNAB has been a constant in my life since 2014. Syncs perfectly with Barclays UK, Starling Bank, Revolut.

I recommend their Four Rules to budgeting to anyone that wants to learn how to manage money and expenses: https://www.ynab.com/the-four-rules

For anyone reading the parent comment, you should avoid YNAB if you use an American Express card. YNAB uses Plaid and the overall integration from YNAB through to Amex and back does not work.

FWIW, I also have an Amex with YNAB and have not had any issues with it in the past year.

I don't have AmEx, but I do have Discover which also had some issues a while back. I believe they don't exclusively use Plaid anymore. When my discover card wasn't working for a few months they rolled out a switch to use alternative verification and then Discover just worked. This was over a year ago. YNAB realizes that the account syncing is what makes the system work.

I have found this to be the case with my Apple card - so once a month I export a .QFX from the Wallet app and import it into YNAB. This process is a bit laborious but I've never had to manually enter an account's transactions in several years of using the app.

Apple Wallet transactions just got added to shortcuts on iOS. You should be able to create a shortcut that adds the expense to YNAB whenever the card is charged.

Thank you for this tip! Apple Card has been the thing keeping me from commiting to YNAB full time so far

Believe this is also the case for Fidelity (Plaid doesn't work w/ Fidelity)

I have YNAB and the most annoying part of the entire thing is that you cannot see your total expenses? I mean, the most basic feature is not in this app.

If I want to see my monthly expenses (total), it doesn't let me. It just shows me how much I need to save this much in each bucket.

Weird.

I use the "Reports" section for this - breaks down expenses just fine in several different ways with a calendar widget as well. Have you tried that out?

FYI, the reports in the webpage are much deeper than the reports in the app. You can see spending in any combination of categories over any arbitrary period of time, and drill down in an intuitive way.

Came here to say this. YNAB is awesome.

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