| > The ones that require me to input the data are just too much work. I've been using YNAB (You Need A Budget) for a few months, and it makes you input everything. I initially resisted and thought the same thing as you. However I forced myself to try it because so many people recommended it so highly. It is at it's core a glorified spreadsheet, but it's a very well designed spreadsheet with great support and a solid budgeting methodology behind it. Entering transactions manually has not been that painful, and the big benefit of doing this is that you are actively participating with your budget. WIth mint you spend money and then see how it fits into your budget. With YNAB you give that dollar a job as soon as you get it, and you manually input it when you spend it. It really keeps you aware of your budget and where you are in it and in my experience makes it much easier to stick to it. I found every time I tried to use Mint to budget (privacy issues aside) it never worked out because it was a very passive thing. Set up some categories. Spend money. Wait for email to tell me I'm over budget, oops. YNAB is very active so it keeps you honest. And unlike mint, YNAB is designed to be a fluid budget. You can and are encouraged to adjust budget amounts and categories on the fly as life happens, which is something painful to do in mint or other apps. It is a bit of a pain to have to manually handle transactions (though you can import CSV) but I find the benefits of doing that outweighs the hassle. |