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Thermopyle posted:Note that in the pre-subscription world where YNAB just charged for major updates once a year or so, YNAB is more expensive than in the subscription at $50/year world. Not if you bought it for $10 at a steam sale.
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Dec 29, 2015 00:38
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Sure. But I wouldn't be surprised if they have sales on the new product.
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Dec 29, 2015 01:03
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Defenestration posted:This is crucial to my budget.
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Dec 29, 2015 01:42
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Wow that stinks, I was checking in here to read about if I could benefit from using YNAB vs just using mint's poor budgeting tools, but looks like I should wait for a few days and either scoop it up via this month's steam sale if it ends up going on sale (probably not or will be on he day of launch of the new ynab) or just see how you guys all react. Mint is pretty good for seeing a track record of spending but cash transactions while few are pretty much a wash for me since their android app is pretty clunky.  EDIT: Defenestration posted:This is crucial to my budget. I also need this too for work expenses I get reimbursed on the next month, can you all pipe in when you see how the new YNAB 4 works regarding this? EDIT AGAIN: VVVVVVVVVVVVVV Well poo poo. Minty Swagger fucked around with this message at 18:11 on Dec 29, 2015 |
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Dec 29, 2015 18:08
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YNAB doesnt go on steam sale anymore
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Dec 29, 2015 18:10
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And I'd expect to be pulled from Steam altogether once the downgrade is released. Get it now if you need it, and archive the tutorial videos if possible.
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Dec 29, 2015 18:24
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nYNAB comes with a 34 day trial, too. Try it first before being dramatic. --edit: It only requires an email address. If it sucks this time, use another address to retry half a year later. As far as reimbursement expenses go, does it kill anyone to front them the first time and then reallocate them in the budget this or next month, whenever you get them reimbursed? It's just a numbers game. And practically exactly what happens in your wallet. Combat Pretzel fucked around with this message at 19:39 on Dec 29, 2015 |
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Dec 29, 2015 19:31
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Combat Pretzel posted:As far as reimbursement expenses go, does it kill anyone to front them the first time and then reallocate them in the budget this or next month, whenever you get them reimbursed? It's just a numbers game. And practically exactly what happens in your wallet. I used to to do this for my wife's work expenses but it gets real easy to forget about them. Mostly the $5-10 random expenses she'd have when not on a business trip. It was nice seeing the red $-5 in YNAB to remind me that something needs to be expensed or is incoming. Still going to try you the subscription based YNAB to see if it's better. I'm suspecting it won't be today but by the end of 2016 I'll switch over once the system has matured a bit.
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Dec 29, 2015 19:48
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http://www.youneedabudget.com/blog/2015/your-finances-will-be-less-tedious-super-focused-and-older-with-the-new-ynab/ I'm liking some of the new features. I was just messing with Mint today seeing how much I could save if I payed extra on a loan. While I don't think it will show how much I will save totally based on interest calculations, it does give me a "you will may off at this date" which is nice.
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Dec 29, 2015 20:50
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Thermopyle posted:Note that in the pre-subscription world where YNAB just charged for major updates once a year or so, YNAB is more expensive than in the subscription at $50/year world. I would pay more for a non-subscription version, absolutely.
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Dec 29, 2015 21:08
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I just really can't justify unlimited recurring costs to myself though. If they ever offer a lifetime subscription I might spring for it but I cannot have an open-ended subscription for something like this where if I stop paying I lose access, it just ain't happening. It's a psychological thing for me.
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Dec 29, 2015 21:08
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Hooking directly into banking APIs and doing what Mint, etc do is a nice feature, probably, but I always round up my transactions, so I'd just end up with a million extra transactions hanging out in my register. Also, throwing another monthly expense (even if it is only like $5 or whatever) is not too bueno with me. I'd rather take the upfront hit. Trial launches tomorrow, we'll see how it goes, eh?
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Dec 29, 2015 21:27
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rrrrrrrrrrrt posted:I would pay more for a non-subscription version, absolutely. Yes, I was just highlighting that the subscription isn't necessarily a bad value. There's other variables to consider besides just the dollar amount paid.
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Dec 29, 2015 21:41
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Combat Pretzel posted:As far as reimbursement expenses go, does it kill anyone to front them the first time and then reallocate them in the budget this or next month, whenever you get them reimbursed? It's just a numbers game. And practically exactly what happens in your wallet. gariig posted:I used to to do this for my wife's work expenses but it gets real easy to forget about them. Mostly the $5-10 random expenses she'd have when not on a business trip. It was nice seeing the red $-5 in YNAB to remind me that something needs to be expensed or is incoming. Other than maybe it will import from your bank (which I specifically don't want to do, gently caress Mint) and I can rearrange my budget categories on phone instead of just waiting until I get back to my compy, I'm not seeing a single new feature to care about. I bought YNAB on steam sale, and I don't need new bells and whistles on my frugality software every year.
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Dec 29, 2015 21:59
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Thermopyle posted:Yes, I was just highlighting that the subscription isn't necessarily a bad value. There's other variables to consider besides just the dollar amount paid. Your argument isn't very well considered.
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Dec 29, 2015 22:48
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ilkhan posted:I bought YNAB 4 for like $15 2 years ago. I haven't had to pay another dime for usage of it. I don't think you considered my argument at all since your point isn't applicable. They obviously ceased development on desktop YNAB a couple years ago to work on a web subscription thing. Prior to that it was around $60/year to continue buying it and since my argument was that in that world, you'd be spending more on YNAB desktop, your argument that in this other world things worked out differently doesn't really bear on my point.
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Dec 29, 2015 23:07
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For me there is value in the ynab process. I bought it in a steam sale a few years ago and didn't even use it until this year. It's stuff I theoretically could do in a spreadsheet, but I never did. I take their explanation at face value, that an ongoing subscription is better value for them, plus it does enable them to release more features (or more often, at least). We'll have to see if that ends up happening, but it at least makes sense. I do see the point when people say they don't want a subscription, it's valid. Ynab 4 is perfectly serviceable. But I think a lot of the backlash (not necessarily here) has been unwarranted, and accuses them of being greedy. People saying they'll never subscribe just on principle just seems weird. I am a little skeptical of some of the changes they announced (credit cards have always been a little confusing, but I'm used to them now) but we'll see how it goes. Maybe I'm just naive
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Dec 30, 2015 00:56
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What's mildly annoying for me is that scheduled transactions are fixed now. There's no more option to pull its current instance into the register. Apparently I have to bow to the masters of time instead of my own decision when to pay it. Either that or start fiddling around editing the scheduled transaction every drat time.
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Dec 30, 2015 01:03
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Combat Pretzel posted:What's mildly annoying for me is that scheduled transactions are fixed now. There's no more option to pull its current instance into the register. Apparently I have to bow to the masters of time instead of my own decision when to pay it. Either that or start fiddling around editing the scheduled transaction every drat time.
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Dec 30, 2015 01:18
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Not sure how the ability to quickly override the schedule of an instance is micromanaging. Bills may arrive early, as they do often enough, and someone may want to pay them before the one scheduled in nYNAB enters the register on its own. If you edit the date of a scheduled transaction in nYNAB to a present or past date, it becomes "unscheduled". --edit: Just for the record, it was possible to do exactly that in YNAB4.
Combat Pretzel fucked around with this message at 01:33 on Dec 30, 2015 |
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Dec 30, 2015 01:25
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Defenestration posted:This makes me wonder if there is a difficult divide for the developers to bridge, between making this as easy as possible for people who want a painless way to get their money in order, but also anal-retentive high maintenance capabilities for people who use YNAB for micromanaging accounting This is an on-going developer/designer headache for decades for all software.
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Dec 30, 2015 02:03
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Thermopyle posted:This is an on-going developer/designer headache for decades for all software. But they need to COMMIT to bringing these things back in the near future if they want existing users, who know the current tricks, to upgrade and pony up every month.
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Dec 30, 2015 03:14
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This new ability to directly import from banks without any effort doesn't appeal much to me. Personally, I feel that having to manually put in every transaction makes me more on top of what I'm spending and when.
sparkmaster fucked around with this message at 05:53 on Dec 30, 2015 |
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Dec 30, 2015 04:06
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My YNAB needs are fairly simple so I'll probably give the online thing a lookie, especially if there's a free trial. My thing is that I'm currently running on linux and while I've gotten YNAB to work it slows at random and sometimes right clicking won't work and it freezes up from time to time so having a web interface would be convenient. Also helpful for mobile use, hopefully.
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Dec 30, 2015 05:43
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sparkmaster posted:This new ability to directly import from banks without any effort doesn't appeal much to me. Personally, I feel that having to manually put in every transaction makes me more on top of what I'm spending and when. I can see its value for people, starting out, who are in a mess and sinking deeper - the kind of people who open accounts to hide money from themselves, or are throwing their hands in the air because they're just SO in a muddle WHERE IS MY MONEY GOING i could have sworn I paid that bill weeks ago AAARGH. However, I can also see people using this as a crutch - nYNAB and your bank are talking to each other now, why spend the time to sit down for half an hour at the weekend to glance over the figures? It'll wait until tomorrow, next week, well any time you get a free moment because you're so BUSY these days, [accept all transactions] what the hell it all looks good.
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Dec 30, 2015 10:55
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so I could say that I finally figured out what this god damned cube is doing. Get well Lowtax.
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spincube posted:I can see its value for people, starting out, who are in a mess and sinking deeper - the kind of people who open accounts to hide money from themselves, or are throwing their hands in the air because they're just SO in a muddle WHERE IS MY MONEY GOING i could have sworn I paid that bill weeks ago AAARGH. As someone who uses YNAB as an auditing tool for micromanagement, I can understand why the devs might feel the need to cater to those really in trouble over myself. Most of the updates are meaningless or downright annoying for my use case, but YNAB's mission statement is really "stop living paycheck to paycheck" so I don't begrudge them focusing on making that more attainable for people. I do however agree with the above point about the auto-sync of bank data to be a huge crutch and an unfortunate development. Sitting down every month and going through all your statements and reconciling gives a person a ton of understanding over their finances. However I'm sure they weighed that against how many people were getting to that first reconcile sitdown, and then just giving up 30 minutes later out of frustration and dropping out all together.
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Dec 30, 2015 14:23
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SpaceCadetBob posted:I do however agree with the above point about the auto-sync of bank data to be a huge crutch and an unfortunate development. Sitting down every month and going through all your statements and reconciling gives a person a ton of understanding over their finances. However I'm sure they weighed that against how many people were getting to that first reconcile sitdown, and then just giving up 30 minutes later out of frustration and dropping out all together. On the other hand, the quickest way to make YNAB useless is to not have it up-to-date with your actual spending. If the idea is always 'you spend what's in the budget, not what's in the bank,' and your budget doesn't accurately reflect that you've already spent 25 of your 50 dollars in 'eating out,' you might as well not have a budget. Yes, the BEST way is to religiously enter every transaction on your phone right then and there, or barring that, do it nightly, but on the other hand, all that this does is eliminate a single stop in the 'download transactions from bank, match to your manual entries, classify any that you missed or didn't enter.' And I don't get why people would float an overbudget for reimbursable expenses, as that seems exactly contrary to YNAB's philosophy. Seems to me that what you should do is cover the expenses, then assign the reimbursement as new income. If you have regular expenses on such things, you'd probably want to build up a buffer for it.
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Dec 30, 2015 18:43
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TheCenturion posted:And I don't get why people would float an overbudget for reimbursable expenses, as that seems exactly contrary to YNAB's philosophy. Seems to me that what you should do is cover the expenses, then assign the reimbursement as new income. Sort of. It's not really a budget expense for me it's more that I'm loaning out money that is going to be paid back. You are right and technically what is happening is I record a reimbursable expense, minus the money from my emergency fund to fund my work expense category, get reimbursed, and add that money back to my emergency fund. If your company is good about work expenses it's easier to just skip all of that and just float the work expense until paid. If you are paycheck-to-paycheck and not having access to ~$500 is going to be a serious constraint on your monthly budget then overflowing you reimbursable expenses is bad. Trying out the nYNAB. Since I'm starting from scratch it's hard to tell if it's any good or not.
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Dec 30, 2015 19:03
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spincube posted:However, I can also see people using this as a crutch - nYNAB and your bank are talking to each other now, why spend the time to sit down for half an hour at the weekend to glance over the figures? It'll wait until tomorrow, next week, well any time you get a free moment because you're so BUSY these days, [accept all transactions] what the hell it all looks good. --edit: Oh right, today is release day. Let's see what changed. Combat Pretzel fucked around with this message at 19:29 on Dec 30, 2015 |
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Dec 30, 2015 19:17
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I'm fine with YNAB as it is now. Mint did a terrible job capturing all my transactions anyway. Or got them wrong, or other issues. An added benefit to entering all transactions, not that I'm the first to point this out, is it makes you more aware of how often you spend money. Related to that, simplifying purchases, I've been considering just buying grocery store gift cards (especially if I find a discount) and re-upping whenever one runs out. I'm single and only shop for a week or two at a time, so I make frequent trips. Less transactions to enter, and the added bonus of being compelled to stick to groceries over fast food. (My problem) I figure it will look strange at first- $200 one month, $0 the next, but over time it will start to even out.
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Dec 30, 2015 19:29
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Apparently they're going to be planning a "desktop app". Given from what I remember from past discussions and posts on the YNAB forums and that AMA on reddit, it's likely going to be the web app on a HTML runtime. In the case of Windows, I suppose it might become an Universal Windows App, since you can make those with HTML+JS, too, and the easiest way to distribute. On a Mac probably packing it on a custom portable browser. The Linux guys will probably have to fiddle apart one of the two and hack things together. Supposedly going to be offline capable, similar to the mobile app. --edit: Speaking about offline... as if on cue.   --edit2: Now a message about a new version. I suppose _now_ is release day. Combat Pretzel fucked around with this message at 19:40 on Dec 30, 2015 |
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Dec 30, 2015 19:37
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Yeah man I'm looking at this now and this big blank screen is bothering me, I just can't bear to lose my two years of history in YNAB 4. I'm going to have to wait until this can import old budgets because I don't want to start from scratch.
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Dec 30, 2015 20:14
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They done hosed up credit cards. If I have -$1000 on a credit card (from using YNAB4) does that mean I need to budget +$1000 to pay that card? For the starting balances at least? It gets paid off every month. That's the only way my numbers seem to match up...
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Dec 30, 2015 20:23
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YNAB 4 is fine for what I need now. I'll wait and see what they add to nYNAB and decide later. Right now it's more important for me to continue learning more about YNAB 4 and getting used to that version. Particularly since that's already a sunk cost.
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Dec 30, 2015 20:38
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100 HOGS AGREE posted:Yeah man I'm looking at this now and this big blank screen is bothering me, I just can't bear to lose my two years of history in YNAB 4. I'm going to have to wait until this can import old budgets because I don't want to start from scratch. This is exactly why I never bothered with the trial.
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Dec 30, 2015 22:22
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http://www.youneedabudget.com/learn/guide/transition-guide Looks like you can import your YNAB 4 data
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Dec 30, 2015 23:15
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I am in between on whether to go with the new YNAB or stay with 4. The extra cost is something that may not be needed (but would show thanks for the last two years of using the program). One thing that really sets apart is that both my wife and I have only work laptops and my wife does not feel comfortable downloading YNAB on those since she worries about privacy. We have been looking at getting a Chromebook but there was not a YNAB app for the Chromebook (and I had read that trying to run the program on Chrome OS was an issue). Like their announcement mentions, this would now be compatible with Chromebooks since it would be a web based program. I guess that is why they are doing 34 day trial to see what you think of it. Also, they do allow you to import your old budget into the new system (what happens if you do not set up the subscription is beyond me). http://www.youneedabudget.com/learn/guide/transition-guide#migrate YNAB posted:Migrating a YNAB 4 Budget Edit: ^^^^^^^^^^^^ BEATEN! drat YOU!
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Dec 30, 2015 23:16
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Bizarro Kanyon posted:I am in between on whether to go with the new YNAB or stay with 4. The extra cost is something that may not be needed (but would show thanks for the last two years of using the program). One thing that really sets apart is that both my wife and I have only work laptops and my wife does not feel comfortable downloading YNAB on those since she worries about privacy. We have been looking at getting a Chromebook but there was not a YNAB app for the Chromebook (and I had read that trying to run the program on Chrome OS was an issue). Like their announcement mentions, this would now be compatible with Chromebooks since it would be a web based program. Interesting. I don't have a "check for updates" button in my YNAB 4 on PC under the File menu. I'm apparently on 4.3.761. Anyone know where I can find the update button?
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Dec 30, 2015 23:24
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It's under the 'Help' button.
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Dec 30, 2015 23:25
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Rurutia posted:It's under the 'Help' button.  
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Dec 30, 2015 23:36
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