Well, YNAB has just rolled out their new version today, and it’s web-based with a monthly subscription cost. I’m not very comfortable with that myself, and I don’t know that the new features are worthwhile. One is goals, and I always just add that to the category name, like Emergency Savings ($10,000). I’ll know when I’ve reached my goal, because that account balance will match my… goal. Another is age of money. One of the rules is to live off last month’s income, which, to me, means I should have in my checking account the amount of money I made last month. Also an easy thing to evaluate, because at the end of the month, my checking account balance will be about the same as the income I posted at the beginning. Another is an import feature to download transactions from your bank, which, to my mind, kind of defeats the purpose of any real-time tracking and awareness of spending. But what do I know?
The bottom line is I’m really sad that they aren’t offering a desktop version for you anymore. You can try out the new web-based version if you haven’t downloaded the “classic” version already, but as of today, they aren’t selling desktop YNAB anymore. Have I mentioned I’m really sad?
The old YNAB site is here. Try downloading version 4, and then email and see if you can get a key for it, if you don’t want to use the web-based version. Can’t hurt to ask, right?
Anyway, all of this can be done just as well with a pen and paper. And your favorite calculator. I like this one. It’s super cheap, but I like the way the buttons feel. Not too hard, not too soft. I have three, actually, because Evie keeps walking off with them.
Wait… pen, paper and calculator? Well, yes, actually! I just did it yesterday. I’m a list-making, note-taking kind of girl, and I need to see it on paper anyway. Then I just type my paper-figured figures into the app and commence with tracking those category balances. I look at my paper budget ALL THE TIME!
Well, sad or not, I’ll be back a little later with those budget categories. Because we need a budget, YNAB or not!