I'm just trying this (free and open source): https://github.com/firefly-iii/firefly-iii
I dislike giving all my data to (cloud)services like Ynab, who sell all your data/profile to others...
Ask HN: Do you use budgeting software?
31–40 of 76 posts
Re: Ask HN: Do you use budgeting software?
#32The biggest problem that I find with programs like mint is that they aren't real time. Even my bank accounts aren't current. They often lag 24 hours, so when I look it may seem like I have more than what I do ... so I guess (often wrong, or forget something) what I spent the day before and try to mentally assign that amount to different categories (like groceries, Transportation, restaurants, etc). Does anyone know s…
You can download the app for YNAB and input the expenses as you incur them in "real time" as you say.
Re: Ask HN: Do you use budgeting software?
#33I'm using YNAB while manually inputting each transaction, rather than having it linked with my accounts. It might sound like a hassle at first but it's just a reflex now, whenever I buy something I just enter it in there. At the end of each week I'll open up my bank app and compare what is in there against what I have in YNAB and this flow has been fine for me. I had tried a few other apps before but I couldn't stick…
I'm trying YNAB as well. Support was superb giving me a longer period for trying it, since its kinda expensive for me.
The web version is great - the Android is meh but ok for saving transactions.
Re: Ask HN: Do you use budgeting software?
#34Mint for budgeting, Personal Capital for overview of finances and investments.
Re: Ask HN: Do you use budgeting software?
#35I use Personal Capital and really think it's a great piece of software. If you're worried about a cloud solution that has access to your financials, you might as well use a spreadsheet. I'm pretty sure YNAB (You Need a Budget) does not require cloud storage of personal information.
They discontinued YNAB4 so unless you already have a license then you're out of luck. Their new system is SAAS.
Their new system is SAAS but still doesn't require that you sync your accounts. You can still enter transactions manually.
I thought the new version was a great update compared to the older version (including the desktop software non-SAAS one).
Re: Ask HN: Do you use budgeting software?
#36Yes, YNAB, it rocks: https://www.youneedabudget.com/ They have an opinionated, cult following that seems a bit weird at first, but if you approach the situation with humility and the real need to budget you'll realize YNAB is really good. You want opinionated software when it comes to something like budgeting. You want a system you buy into and has been proven to work, not a system that lets you do anything how you w…
This makes me want to retry YNAB. I tried it about 2 years ago and I couldn't get in the habit of pre-allocating everything and I don't think they had account syncing to managing where my money was going was more work than something like Personal Capital or Empower.
I will definitely give it a try now :)
Re: Ask HN: Do you use budgeting software?
#37I use Personal Capital and really think it's a great piece of software. If you're worried about a cloud solution that has access to your financials, you might as well use a spreadsheet. I'm pretty sure YNAB (You Need a Budget) does not require cloud storage of personal information.
They discontinued YNAB4 so unless you already have a license then you're out of luck. Their new system is SAAS.
YNAB4 used Dropbox anyway...
Re: Ask HN: Do you use budgeting software?
#38YNAB (You Need a Budget) is fantastic
Re: Ask HN: Do you use budgeting software?
#39I'm just trying this (free and open source): https://github.com/firefly-iii/firefly-iii I dislike giving all my data to (cloud)services like Ynab, who sell all your data/profile to others...
FWIW https://www.youneedabudget.com/privacy-policy/
"We do not sell users’ data. (And we never have!)"
They make money by charging $5/mo and having a large cult following.
Re: Ask HN: Do you use budgeting software?
#40ledger https://ledger-cli.org