Ynab and mint aren't even in the same category. 92 Shares. Related to personal finance, budgeting, money and financial matters. I definitely have picked up some tricks from learning about the software (like sinking funds and a wish farm) that I use without YNAB. YNAB vs. Mint: Which Budgeting App Is Best? Mint is not a product, but you are the product whose data Mint sells to make money. I have always been good with money so I feel my system works best for me but I understand the appeal. Mint vs. YNAB Both Mint and YNAB do a great job of helping you budget. Kara Perez is a freelance personal finance writer. It's great at keeping track of your accounts and viewing trends, but the actual budgeting function sucks pretty badly. Mint is a terrible budgeting tool compared to YNAB. Knowing your net worth is a good way to gauge your overall financial health, and YNAB gives you access to that number right on the app. Hey reddit,I am new to nYNAB and while I quite like it, I also find it lacking in many ways. YNAB is a blank slate for categorization, which allows you to use whatever hierarchy you want. Signing up, Mint vs. YNAB? 5. Signing up, Mint vs. YNAB? Larry Ludwig was the founder and editor in chief of Investor Junkie. I have used both. Larry Ludwig. It's much more in-depth and hands-on when it comes to helping you use money as a tool. Came here to say this. In YNAB, you would already have that $800 allocated to a budget category and see you need to pay power for $150 and student loan payment of $400, so really you only have $250 available. Pin. I can’t say that Mint is better than YNAB or vice versa. ... Jesse, has even done live chats on Reddit to answer questions. There is a 34-day free trial, and then you can be billed monthly at $11.99/month or pay for a full year at $84. If you have a lot of accounts, the likelihood increases that you'll be dealing with a lot of account issues like duplicates, mis-categorizations, account not updating, etc. There are still links to get classic YNAB4 (which I still use) and it's a one-time cost of like $50 or $60. There is a 34 day free (and full) trial you can try out. YNAB Costs Money – Mint Doesn’t (but there’s a catch) If you want to be a YNAB subscriber, you’ll have to chalk up $11.99 each month (or $84 annually). Tweet. Mint is a terrible budgeting tool compared to YNAB. ... Three months ago, several different friends asked my opinion of YNAB (You Need a Budget) within the span of a week and I realized I didn’t have one. EveryDollar is a very basic budgeting tool created by the team behind Dave Ramsey, using his principles for managing money. Ynab only lets you budget what you have and forces you to prioritize it in real time. bb84b2e1ba YNAB 4 License Key Serial.rar -- Blind 2 Reality chatYNAB 4 License Key .... 4 You Need a Budget + Serial Number YNAB is a multi-platform personal budgeting program. I’m not sure. Mint is no longer in active development. How do I set that up? Kara Perez is a freelance personal finance writer. Makes it easy to use no matter what device. When comparing You Need A Budget vs PocketGuard: Personal Finance, the Slant community recommends You Need A Budget for most people.In the question“What are the best personal finance tracker apps for Android?” You Need A Budget is ranked 19th while PocketGuard: Personal Finance is ranked 27th. Money expert Clark Howard is a fan of Mint.com and says it’s great for automatically tracking your expenses. And, obviously, we know you need a budget. Update : Since publishing this Mint vs YNAB comparison, two significant events have occurred. If you're like most people, it might be useful, but it probably won't lead to any real behavior change. While this is a manual process and somewhat confusing at first once you get it it will change your life. Reading the subreddit as I researched different products actually made me doubt if it is right for me since I don't have any debt and am already saving a large part of my income. Their interfaces and features are pretty similar. Banktivity 7; Quicken; QuickBooks; ... Facebook Twitter LinkedIn Pinterest Reddit Share via Email. Join our community, read the PF Wiki, and get on top of your finances! ... Jesse, has even done live chats on Reddit to answer questions. YNAB works for me. YNAB Costs Money – Mint Doesn’t (but there’s a catch) If you want to be a YNAB subscriber, you’ll have to chalk up $11.99 each month (or $84 annually). But as the saying goes, if something is free, you are probably the product. The best of YNAB content and thought-provoking content we love from around the web. Email Address Sign Up Thank you for signing up! But as the saying goes, if something is free, you are probably the product. It is a freemium product with the free … Mint sync with banks works better than all and YNAB is not intuitive to use (at least for me) . With Mint (at least how I remember it), it's less "budgeting" and more just tracking what you spent money on. It works for us. Mint is great for tracking net worth and letting you know where your money has gone. Pin. Their interfaces and features are pretty similar. Much to my surprise, it is not just a budgeting app or merely a way to view multiple bank accounts at one time — although those are both outstanding … Mint vs. YNAB; Personal Capital vs. Quicken vs. Moneydance; Wealthfront vs. Recently married and we're trying to setup a pretty firm budget. Its seems great for those who use it, but unless you're willing to track every expense, it might not be worth it. YNAB is not just a simple money tracker. YNAB costs $6.99/ month (billed annually), and the most frequently asked question I get about it is, “Why pay when there are free budgeting tools available like Mint? I thought it was insane that people would pay for a program to help them budget... until I tried it. When you compare Mint vs. YNAB, you will come to know that YNAB is aiming to create total control of your money. It's a bit harder to use than most budgeting apps and that's because most budgeting apps have you budget money you don't have. What do you mean by this? Mint vs. YNAB Both Mint and YNAB do a great job of helping you budget. ... 194 Comments on The New You Need a Budget (YNAB) vs YNAB 4; Share 6. Kara Perez is a freelance personal finance writer. The best of YNAB content and thought-provoking content we love from around the web. This primarily impacts Mac users upgrading to Mac OS (Catalina), however, there appears to be a workaround. Official support for YNAB 4 will end October 31, 2019. Also, if you're not paycheck-to-paycheck now, you're already "living on last month's income" so that whole thing is kind of not used. thanks! Let us briefly go through some of its pros and cons. Unless they added a bunch of stuff. YNAB 4 license key serial.11. It is more safe and secure budgeting application. When it comes to YNAB vs. Mint, here's our 4 reasons why YNAB is the clear winner. Press J to jump to the feed. Mint.com; Quicken; YNAB; ... YNAB is short for “you need a budget,” and that's exactly what it focuses on. A little bit of research … When comparing You Need A Budget vs PocketGuard: Personal Finance, the Slant community recommends You Need A Budget for most people.In the question“What are the best personal finance tracker apps for Android?” You Need A Budget is ranked 19th while PocketGuard: Personal Finance is ranked 27th. Looks like you're using new Reddit on an old browser. The most important reason people chose Simplifi is: Email Address Sign Up Thank you for signing up! Mint always double-lists my expenses. Personally I use Mint, because free. 15 Best Free and Paid Quicken Alternatives (2020) View All Budgeting Apps Reviews; Pay Off Debt. In YNAB, you would already have that $800 allocated to a budget category and see you need to pay power for $150 and student loan payment of $400, so really you only have $250 available. The site may not work properly if you don't, If you do not update your browser, we suggest you visit, Press J to jump to the feed. We reviewed EveryDollar and found that it's claim of being able to set up a budget in 10 minutes to be accurate – it's super simple, very easy to navigate, and follows the overall structure of Dave Ramsey's Baby Steps.. The first difference you should know about these companies is that Mint is free, whereas YNAB is going to cost you. The credit card transactions are pulled in to YNAB automatically? A discussion subreddit for popular budgeting software You Need A Budget. I'm still trying to get used to how ynab works, I have to reset because my balances are not matching up, but so far I feel like it's at least worth the $15 if you buy it on steam sale. While using Mint, I quickly realized that the product was ME! YNAB is great for planning where your money is going. I use both and Personal Capital works better for investments than Mint and Mint for other things. It is a freemium product with the free … EDIT: I will say that the concerns other people have about keeping it updated can really vary depending on your situation. You Need a Budget. YNAB is a fairly basic product, offering only budgeting, but lacks the ability to deal with advanced features such as forecasting, investments and retirement planning. Tweet. Mint, on the other hand, is a 100% free budgeting software. New features are rarely added and the interface hasn't changed in years. She is … Probably not what you want to happen. I always gave every dollar a job in Mint (YNAB’s Rule One—before I even knew YNAB’s Four Rules existed! I seriously can't say enough good things about it. We've also taken a closer look at Mint vs. YNAB.. About Mint Mint may be one of the oldest budgeting apps out there, but it hasn't lost its popularity. ... Facebook Twitter LinkedIn Pinterest Reddit Share via Email. when was the last time you used mint? YNAB Best for: Visual learners Mint is no longer in active development. Then get the Pivot tables set up. Mint sync with banks works better than all and YNAB is not intuitive to use (at least for me) . Mint is only good if you are very passive about your finances. There is something about paying to save money that always makes me skeptical. My 2 cents and experience weighing in here. Kara Perez. That makes Mint part of the same family of software as popular small business accounting app QuickBooks and tax prep program TurboTax.. Mint is completely free to use and supported by ads … For me, YNAB has easily paid for itself many times over in just the few months that I've had it. You Need a Budget, also known as YNAB, is great for budgeting because it is based onon zero-based budgeting and projecting your budget forward. My bottom line assessment can be summed up this way, Mint shows you the present and the past while YNAB shows you the future, and seeing the future can be incredibly powerful when trying to budget. There are charts and pie … I had watched multiple videos. Both Mint and YNAB were designed to help you create a budget and analyze your spending patterns so you can make the modifications necessary to reach your financial goals. ... 194 … Give the trial a shot, if you think it's actually helping then I wouldn't bother waiting for another sale because it will probably be a few months since you just missed it, and if you wait to save on YNAB then you could be losing money by not budgeting effectively in the meantime (if YNAB works for you that is). I then use a Google doc spreadsheet I made for the actual budgeting. And, obviously, we know you need a budget. Larry Ludwig was the founder and editor in chief of Investor Junkie. No one can tell you if YNAB is worth $60 for you. I’ve never been so in control of my budget and actually stuck with it. Way too passive. Mint can work for some, but it's primary strength is looking at trends, not budgeting. Conclusion. Perhaps it only works for people with brains that think in a certain kind of way? While this is a manual process and somewhat confusing at first once you get it it will change your life. Both the Mint app and the YNAB app are full feature budgeting apps that can help you manage your money and understand your true expenses each month. I’m saving an insane amount of money toward multiple long-term goals, putting aside money monthly toward periodic expenses ranging from biannual bills to Christmas and birthday gifts... It’s so much more than I would have expected it to be. Picked up YNAB on a Steam sale. Not only is it free, but it has substantial name recognition, a strong band, and a solid following that swears by its features. I agree with you! YNAB or Mint: Pricing. Almost all of my transactions were doubled, not just the ones involving transferring money. YNAB is $5 a month or $50 a year while Mint is free. I spend 10-30 minutes on a Monday morning reconciling our accounts, and we don't have any issues. It will help you in making the final decision. While this is a manual process and somewhat confusing at first once you get it it will change your life. If you can’t afford a paid version and you want it to link to your accounts (and you do want to), then Mint is a good option. You Need a Budget – a better budgeting methodology and education 3. I can't justify the new YNAB though. bb84b2e1ba YNAB 4 License Key Serial.rar -- Blind 2 Reality chatYNAB 4 License Key .... 4 You Need a Budget + Serial Number YNAB is a multi-platform personal budgeting program. If anyone's interested in learning it happy to help. 15 Best Free and Paid Quicken Alternatives (2020) View All Budgeting Apps Reviews; Pay Off Debt. Mint allowed me to check out a little bit. ... As noted by Reddit user. Mint is a terrible budgeting tool compared to YNAB. Mint allowed me to check out a little bit. YNAB is more forward-thinking, whereas Mint is backward-looking. Both YNAB and Mint offer online training videos and tutorials that make learning quick and easy. It's major downside is that it requires time to balance, either daily or weekly. YNAB might not work for you, or it might be perfect. I used Mint for years from when it was first started. So in that way, Mint can help you save money. Mint.com; Quicken; YNAB; ... YNAB is short for “you need a budget,” and that's exactly what it focuses on. The first difference you should know about these companies is that Mint is free, whereas YNAB is going to cost you. It is more safe and secure budgeting application. There is a 34-day free trial, and then you can be billed monthly at $11.99/month or pay for a full year at $84. EveryDollar. In Mint, your checking account may be at $800 and you may think you have $800 to spend. That makes Mint part of the same family of software as popular small business accounting app QuickBooks and tax prep program TurboTax.. Mint is completely free to use and supported by ads … Both Mint and YNAB were designed to help you create a budget and analyze your spending patterns so you can make the modifications necessary to reach your financial goals. I couldn't keep up, even with the well-written mobile app. Probably not what you want to happen. ... Facebook Twitter LinkedIn Pinterest Reddit Share via Email. The Plus version includes unlimited e-envelopes, unlimited accounts, lets you partner on five devices and more. Feel free to post any news, questions, budget strategies, tips & tricks and advice related to YNAB. Mint is great for tracking net worth and letting you know where your money has gone. Both YNAB and Mint offer online training videos and tutorials that make learning quick and easy. Mint is only good if you are very passive about your finances. Unless both of you are going to be religious about keeping YNAB up to date then Mint might work better if you use credit cards a lot. Go to the r/ynab subreddit and read around a bit. It's a great place to start to figure out where your money is going. Reddit 86. Mint is full of ads. We reviewed EveryDollar and found that it's claim of being able to set up a budget in 10 minutes to be accurate – it's super simple, very easy to navigate, and follows the overall structure of Dave Ramsey's Baby Steps.. It's a great place to start to figure out where your money is going. Kara Perez. EveryDollar – Dave Ramsey's budgeting tool 7. Sooo much YNAB. Should new users use the new YNAB over Mint or EveryDollar? This primarily impacts Mac users upgrading to Mac OS (Catalina), however, there appears to be a workaround. My wife would not manually enter transactions into an app and categorize them even if she got paid to do it. So in a couple of seconds I can record a transaction after pulling away from a gas pump or leaving the grocery store. I suggest that if you use the trial you follow the method as best you possibly can to see how it goes for you. Is YNAB worth the money?” This YNAB review is meant to answer that question. I agree that the method, more than the software, has been eye-opening. I use mint to view trends and I think it's a good tool to help you figure out a realistic budget to start with on YNAB. We've also taken a closer look at Mint vs. YNAB.. About Mint Mint may be one of the oldest budgeting apps out there, but it hasn't lost its popularity. Try them both and see what you think. Regardless I’m a bit sour that they started charging as much as they do for what was Essen the same product as before. It's a great place to start to figure out where your money is going. Student Loan Debt. YNAB is solid, but its real strength is not the software, it is the method. It's great at keeping track of your accounts and viewing trends, but the actual budgeting function sucks pretty badly. This is why I use Mint -- I refuse to keep a budget. How does the new YNAB stack up against YNAB 4? Hey reddit,I am new to nYNAB and while I quite like it, I also find it lacking in many ways. YNAB is more effective in budget planning and actively managing your budget. ), but something happened along the way from paying off our mortgage to today. Mint, which is owned by Inuit, has many similar features mainly its ability to compile all financial accounts and automatically sort transactions into budget categories. Mint doesn’t allow editing their “top-level” categories, which limits categorization later on if you turn into a Mint power user. Net worth report. When you compare Mint vs. YNAB, you will come to know that YNAB is aiming to create total control of your money. Go to the r/ynab subreddit and read around a bit. I am still not satisfied with Mint Budgeting and I am currently trying YNAB. It's much more in-depth and hands-on when it comes to helping you use money as a tool. or did you use it , let's say, under a year ago and still had issues? Ynab only lets you budget what you have and forces you to prioritize it in real time. YNAB’s training is more comprehensive, and their customer service seems more responsive. He had taken an Excel class and created a spreadsheet that he used to track their family budget. Net worth report. Everyone justifies the cost because it's gotten them out of massive debt but I just see it as an expense. It really is just a glorified set of spreadsheets, but it's easy to use and forces you to pay attention to every cent you spend. I’ve used Mint since 2010 and like how it has evolved to include bill reminders, credit score updates and net worth tracking. With all that, I'm definitely in the YNAB camp. EveryDollar is a very basic budgeting tool created by the team behind Dave Ramsey, using his principles for managing money. I can't trust it. It’s making a huge difference. Mint's system is bad too as you have to either re-categorize everything to match your budget or be really specific about what your budget is. For more information, read our Mint vs. YNAB comparison. Official support for YNAB 4 will end October 31, 2019. The most important reason people chose Wally is: In comparing Mint vs. YNAB, those who are just getting started with personal money management are most likely to choose Mint. YNAB 4 License Key Serial.11 >>> DOWNLOAD. If anyone's interested in learning it happy to help. As a note though, you can pick it up for $15 during Steam sales. Do you have a simpler way to understand it? Discuss and ask questions about personal finances, budgeting, income, retirement plans, insurance, investing, and frugality. Close Modal. If you use cash a lot then that gets back into some manual work. YNAB 4 license key serial.11. Launched in 2003, the main thrust of YNAB is to help you create a budget that allows you to “give every dollar a job.” ... Facebook Twitter LinkedIn Pinterest Reddit Share via Email. In Mint, your checking account may be at $800 and you may think you have $800 to spend. With Mint (at least how I remember it), it's less "budgeting" and more just tracking what you spent money on. I've gotten three people to try it. My husband and I do almost 100% of our shopping on the weekend together, and we have very few transactions over all outside of set bills (which can be scheduled in YNAB). zero-based budgeting), Embrace Your True Expenses, Roll With The Punches, and Age Your Money – which helps you take … i'm asking because maybe they've fixed it since? Reddit 86. YNAB is not just a simple money tracker. While YNAB is fairly simplistic there is a basic elegance to the mobile part of it especially. ... Three months ago, several different friends asked my opinion of YNAB (You Need a Budget) within the span of a week and I realized I didn’t have one. Go read the ynab subreddit and reviews. If you haven't really looked at it yet, I suggest you review the method with your wife: http://www.youneedabudget.com/method It is pretty easy to understand, don't worry. She is the … So in that way, Mint can help you save money. Personal Capital; Mint Alternatives; Quicken Alternatives 2020; Why I’ve Switched to Personal Capital from Quicken and Mint; Promotions. My bottom line assessment can be summed up this way, Mint shows you the present and the past while YNAB shows you the future, and seeing the future can be incredibly powerful when trying to budget. YNAB is by far, our favorite online budgeting tool for tracking spending and money management. If anyone's interested in learning it happy to help. Because of this, it doesn't matter that he won't input purchases or update things. It will help you in making the final decision. Don't know why people keep making this comparison. 2 have had similar results and the third, my sister in law, just paid off a massive credit card debt she had and is about a year away from fully paying off another cc for a total of about 25k in cc debt. Mint vs YNAB. I agree. This is because it includes retirement and other accounts. For an example, dining and restaurants are the same to me but they have two separate categories in mint. I've used Mint.com off an on for a 3-4 years, but quit when my finances weren't as dire. Mint is the only thing that works for me as a married guy with 2 kids. It very occasionally goes down to $15 [which I did get], but not often (only for two days in the past year according to this). I've used mint for years, but mainly just cause it was easier to check my balances all in one place and to see overall trends in spending. Money expert Clark Howard is a fan of Mint.com and says it’s great for automatically tracking your expenses. YNAB 4 License Key Serial.11 >>> DOWNLOAD. Kara Perez. Launched in 2003, the main thrust of YNAB is to help you create a budget that allows you to “give every dollar a job.” ... Facebook Twitter LinkedIn Pinterest Reddit Share via Email. Me too. YNAB I have tried twice now and zero based budgeting doesn't work for me. I was just about to comment that haha... formulas and all, I use mint to aggregate everything for me them export to excel. Mint, on the other hand, is a 100% free budgeting software. Quicken – Old but powerful if you can make it work 6. Or do you have to track that yourself? The most general idea is that with YNAB you build a budget and spend against it. YNAB has a free trial and mint.com is free. I had a really hard time wrapping my brain around YNAB even after trying it and using multiple videos. Try YNAB Free For 34 Days If you have gotten this far, you know you need a budget. The software is essentially glorified (and pretty to look at) spreadsheets. YNAB is $5 a month or $50 a year while Mint is free. There are still links to get classic YNAB4 (which I still use) and it's a one-time cost of like $50 or $60. Student Loan Debt. I tend to spend extra time budgeting anyway just because I enjoy it, but I spent 3 hours on it last night making sure all my accounts matched to the cent for my weekly reconciliation then looking at various budgeting scenarios. When comparing Wally vs YNAB, the Slant community recommends Wally for most people.In the question“What are the best personal finance tracker apps for iPhone?”Wally is ranked 3rd while YNAB is ranked 6th. Just wanted to get people's input as to your opinions on Mint.com vs. YNAB. Feel free to post any news, questions, budget strategies, tips & tricks and advice related to YNAB. Conclusion. If you can’t afford a paid version and you want it to link to your accounts (and you do want to), then Mint is a good option. You can change it at any time. Just started using YNAB and while it's weird for me because I'm used to being able to spend I money that I know will come in (stable/non-commission income) and still be able to save, it's been working fairly well because it forces me to input in every purchase. It's more of a hassle but because of this, you reconsider your purchases more. Inspirational. What are the main differences you see? I’ve used Mint since 2010 and like how it has evolved to include bill reminders, credit score updates and net worth tracking. I'm genuinely curious because I've been using Mint for a couple years now, but have heard great things about YNAB. YNAB is a fairly basic product, offering only budgeting, but lacks the ability to deal with advanced features such as forecasting, investments and retirement planning. Banktivity 7; Quicken; QuickBooks; ... Facebook Twitter LinkedIn Pinterest Reddit Share via Email. I like excel because i can look around my budgeting sheet at work and it looks like I'm being productive, More posts from the FinancialPlanning community. It got to the point where I was spending more time correcting Mint that it was helping me keep track of things. My favorite thing to do each month. This is a double-edged sword though. The most important reason people chose Simplifi is: It has a cult following for a reason. Not easily forecasting income, forcing you into a mentality of working with cash on hand has been helpful. Is YNAB worth the money?” This YNAB review is meant to answer that question. For me, I use mint to see all my accounts and what is being used and for how much. I always gave every dollar a job in Mint (YNAB’s Rule One—before I even knew YNAB’s Four Rules existed! My main hesitation is that something doesn't sit right with me about paying for a budgeting tool, but I am really curious about the differences between the two platforms. People say this but I found it hard to budget / plan with this. Maybe I am not the right demographic. Not only is it free, but it has substantial name recognition, a strong band, and a solid following that swears by its features. You Need a Budget. So I have her use credit cards for everything, transactions get pulled in automatically, I split/re-categorize if necessary and I monitor our budgets. Mint is where did my money go YNAB is planning where to spend your money. YNAB or Mint: Pricing. YNAB’s training is more comprehensive, and their customer service seems more responsive. Personally went from debt after a divorce to two solid months ahead and zero debt except my mortgage. I use both and Personal Capital works better for investments than Mint and Mint for other things. 5. This is a double-edged sword though. HelloWallet vs Mint In a few ways HelloWallet is comparable to the free and popular Mint web application but it goes beyond Mint’s (read review) basic features. But, they do have a few key differences that you should consider when selecting the right option for you. I switched to using YNAB for budgeting, and personalcapital.com for tracking my investment portfolio and net worth. YNAB is more effective in budget planning and actively managing your budget. He decided to try to sell it and to his surprise it sold – a lot. I can't justify the new YNAB though. Mint, which is owned by Inuit, has many similar features mainly its ability to compile all financial accounts and automatically sort transactions into budget categories. It's an excellent app for those primarily interested in zero-based budgeting. Came here to say this. HelloWallet vs Mint In a few ways HelloWallet is comparable to the free and popular Mint web application but it goes beyond Mint’s (read review) basic features. He had taken an Excel class and created a spreadsheet that he used to track their family budget. YNAB Best for: Visual learners Mint is full of ads. It is freaking amazing. There are charts and pie … ETA: Used Mint for a decade without any improvement. Strongly agree with this comment - try it out, then wait for a sale if you want it. YNAB is by far, our favorite online budgeting tool for tracking spending and money management. I have no experience with YNAB because I'm not sure it's worth the cost, and haven't seen it on sale. Related to personal finance, budgeting, money and financial matters. Let us briefly go through some of its pros and cons. I actually love YNAB. Mint ease of use rating: 9/10. When comparing Wally vs YNAB, the Slant community recommends Wally for most people.In the question“What are the best personal finance tracker apps for iPhone?”Wally is ranked 3rd while YNAB is ranked 6th. But you are n't in this alone I don ’ t say that Mint is great at tracking your!... Facebook Twitter LinkedIn Pinterest Reddit Share via Email Pinterest Reddit Share via Email changed in years thought it insane. Insane that people would Pay for a 3-4 years, but it 's gotten them of. I feel my system works Best for me, YNAB has a free trial and Mint.com is,. Get it it will change your life Clark Howard is a 100 % free budgeting software you Need a.... At first once you get it it will change your life it lacking in many ways budgeting Apps Reviews Pay. Be at $ mint vs ynab reddit to spend your money and you may think have! One—Before I even knew YNAB ’ s do … Mint vs. YNAB cost, and their service! For 34 Days if you use cash a lot then that gets back some. 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Pulled in to YNAB automatically people, it 's an excellent app for those interested! Get on top of your money is going control of your money has gone the difference... Gas pump or leaving the grocery store people 's input as to your opinions on Mint.com vs. 2020...: used Mint for other things for some, but something happened along the way paying!