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Combat Pretzel posted:Does Copilot have an Income vs Expense report like YNAB? Does any other personal finance app other than YNAB actually?
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Jun 29, 2023 18:44
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KOTEX GOD OF BLOOD posted:I guess, in the sense that it isn’t zero based. But IMO the best budgeting app is the one that you’ll actually use - that’s user friendly and set up so you spend the least amount of time fiddling with it. That’s why Copilot wins out for me - YNAB and Buckets just require too much babysitting. They basically require you to be a 24/7 nerd about your finances, manually categorizing each transaction. Copilot automates away most of that. Well, yeah, that's the whole point; if you aren't actually paying attention to, and using, your budget, you don't have a budget. "Enter your transactions at the checkout line" doesn't really seem like being a 24/7 nerd though.
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Jun 29, 2023 18:58
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99% of my transactions are auto-categorized just fine by YNAB and the ones that aren't are because I have to do some splits. I just checked screen time and I'm in YNAB an average of 2 minutes per day. I maybe spend 15 minutes on the website after every payday to give my dollars jobs and import my bank statements to reconcile. I think I spent more time reading this thread and composing this post than I did in YNAB this week.
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Jun 29, 2023 19:26
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Seems like copilot is iOS/Mac only as well, correct?
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Jun 29, 2023 19:41
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Yes it is. Copilot increased in price to 95/year today. Boooo. Still worth it tho
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Jul 17, 2023 19:08
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Is there a free or cheaper than $99/year YNAB alternative for bucket/envelope based budgeting? I don’t need it to sync to my bank account but it would be cool as a plus but not mandatory.
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Jul 27, 2023 13:02
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Boris Galerkin posted:Is there a free or cheaper than $99/year YNAB alternative for bucket/envelope based budgeting? I don’t need it to sync to my bank account but it would be cool as a plus but not mandatory. I went on this little journey awhile back, gave up and subscribed to new YNAB after using classic YNAB on my Mac for ~12 years. My main requirements were: 1. cloud sync 2. shared budget w/ my partner 3. allow import of csv or qfx files 4. can't require sync with bank edit: 5. envelope/zero-based budgeting, in case that wasn't obvious Only a few stick out in my memory: - Buckets aka Budget with Buckets - Janky; iOS app is still in beta - Goodbudget - Pocketsmith - Pocketguard - forced you to sync accounts so hard pass - Buxfer - no txn splitting wtf I also tried a few self hosted solutions but decided that was not worth the trouble. Cold on a Cob fucked around with this message at 13:29 on Jul 27, 2023 |
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Jul 27, 2023 13:27
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I still use financier.io, which is 12 bucks a year but probably won't ever be updated again because it hasn't been in quite some time. it's fine, I haven't bothered looking for anything else for a while.
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Jul 28, 2023 02:55
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Which one of those apps (or something else not listed) works like YNAB but offers future planning? Like with YNAB I can budget what I have today into the future, but I’d like to be able to nerd out and plan my future budget with future earnings that I don’t have today but 100% expect to have baring something catastrophic. And then adjust accordingly as the time comes.
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Aug 8, 2023 12:12
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Boris Galerkin posted:Which one of those apps (or something else not listed) works like YNAB but offers future planning? Like with YNAB I can budget what I have today into the future, but I’d like to be able to nerd out and plan my future budget with future earnings that I don’t have today but 100% expect to have baring something catastrophic. And then adjust accordingly as the time comes. I mean, you can do that in YNAB, but it's against the entire concept of 'every dollar has a job, and you're working with money you actually have, not money you're imagining you'll have.' I could go enter weekly deposits for my weekly paycheck for the next twelve months, then make my budgets against those deposits.
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Aug 8, 2023 16:32
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I'm pretty sure YNAB4 would let you put future transactions into your budget, but nYNAB treats anything with a future date as not an active transaction Makes perfect sense, I get it, it follows the YNAB methodology, but it's another in the list of things I liked being able to do in YNAB4 that I can't do anymore (looking at you, carrying over negative balances)
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Aug 8, 2023 16:52
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Sockser posted:I'm pretty sure YNAB4 would let you put future transactions into your budget, but nYNAB treats anything with a future date as not an active transaction Not carrying over a negative balance pisses me off so much because I learned of that when I paid for a work trip with my CC knowing I'd be reimbursed when the trip happened (and I was) but the balance didn't carry over for the negative account charge which just made things a mess to fix and annoyed me to no end
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Aug 8, 2023 17:18
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Sockser posted:I'm pretty sure YNAB4 would let you put future transactions into your budget, but nYNAB treats anything with a future date as not an active transaction Oh snap, yeah, I still use YNAB4.
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Aug 8, 2023 17:20
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DoubleT2172 posted:Not carrying over a negative balance pisses me off so much because I learned of that when I paid for a work trip with my CC knowing I'd be reimbursed when the trip happened (and I was) but the balance didn't carry over for the negative account charge which just made things a mess to fix and annoyed me to no end THIS!!! It's such a pain in the rear end
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Aug 8, 2023 17:42
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100 HOGS AGREE posted:I still use financier.io, which is 12 bucks a year but probably won't ever be updated again because it hasn't been in quite some time. it's fine, I haven't bothered looking for anything else for a while. I also have been using financier for ~8 years. It's a good very basic zero balance budgeting system, but nothing more than that.
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Aug 12, 2023 01:11
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YNAB got really expensive. Surprised there isn’t a cheaper copycat that doesn’t suck royally. Getting really fed up with certain banks always having imports delayed by weeks. Undermines everything. I’m sure some suit somewhere does this on purpose. Still worth it though. Saw my partner go from economic chaos to good with money in under a year once the philosophy was laid out. Now I’m the jerk who isn’t categorizing my stuff. It would help if the whole month wouldn’t land in a day
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Aug 27, 2023 01:14
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The next best thing I found in regards to decent form and function of a personal finance webapp is Lunch Money. But it doesn't do envelope budgeting, so bleh.
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Aug 27, 2023 15:14
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I made the jump to New YNAB and while I hate hate hate the way it handles credit cards now (or maybe I just haven't figured it out correctly) the auto-import saves me so much time. I suppose it's worth the yearly fee...
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Sep 13, 2023 16:01
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Not a Children posted:I made the jump to New YNAB and while I hate hate hate the way it handles credit cards now (or maybe I just haven't figured it out correctly) the auto-import saves me so much time. I suppose it's worth the yearly fee... I got used to it but figuring out how to handle cash back transactions was unintuitive.
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Sep 13, 2023 17:43
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Not a Children posted:I made the jump to New YNAB and while I hate hate hate the way it handles credit cards now (or maybe I just haven't figured it out correctly) the auto-import saves me so much time. I suppose it's worth the yearly fee... Create a new checking account, then copy/paste ALL of your transactions from your CC account to the new checking account, then delete the CC account. Link to bank as appropriate.
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Sep 13, 2023 17:55
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Yikes, what a terrible color scheme and font selection. I was already apathic in maintaining my poo poo, only updating it every couple of weeks, but I guess I'm out. They had support for multiple color schemes before this update, but I guess can't have a decent palette. Colorblind mode for everyone (at least that's the explanation my mind made up for this poo poo). Now I'm out of decent personal finance/envelope budgeting apps. 
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Oct 17, 2023 20:56
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I don’t notice anything in dark mode
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Oct 18, 2023 02:17
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I have no clue what happened, so I looked and found whatever this is: https://x.com/ynab/status/1714354321159012828?s=20 I hate this guy for some reason. Back to my YNAB4 cave now
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Oct 18, 2023 02:37
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From what I can tell, they just spent a lot of money on a redesign (including creating a custom font!) and then more money and time hyping it up. The good news (for me) is that I don't really notice anything different except their dumb new colour. There was a change in the app's new transaction layout a couple weeks ago that was ok I guess. The bad news (for them) is that I don't really notice anything different except their dumb new colour. Glad to know my annual sub is going to important work like this rather than boring poo poo like working with multiple currencies!
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Oct 18, 2023 08:52
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Mid-Life Crisis posted:I don’t notice anything in dark mode Same here, had no idea what this was about.
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Oct 18, 2023 12:05
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I like the weird little pop-up thing they added recently. The UI reskin in dark mode has a bit more contrast, which I personally like (viewing scheduled txns in the old UI was a bit tough sometimes, eyes are getting older  ), but I also could have lived without. Font seems fine but again didn't have issues with the old one.In dark mode the greens are definitely a bit brighter too. People that want dark mode to be both dark and low contrast are complaining about it elsewhere.
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Oct 18, 2023 13:05
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I don't like how I can't refresh my CC anymore  Though I'm sure it all pulls in fine, it's just nice to click the "import" to check it sometimes.
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Oct 18, 2023 15:16
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greazeball posted:The bad news (for them) is that I don't really notice anything different except their dumb new colour. Glad to know my annual sub is going to important work like this rather than boring poo poo like working with multiple currencies! Yea, that compounds my issue with this all. A custom font, really?
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Oct 18, 2023 15:35
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They changed the blue they were using and I didn’t even notice a new font. Seems like a lot of money from those increased subscription prices for not a lot of return.
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Oct 18, 2023 16:42
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Dancing Peasant posted:I have no clue what happened, so I looked and found whatever this is: Why does YNAB as a company love to push this sort of almost parody-like pure strained corporate bullshit? Everything from their marketing material to customer service, even their careers/job descriptions. YNAB as a method is amazing, but they wrap it in this absolutely emabrrasing facade of bullshit so I never recommend it anyone despite it literally changing my life.
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Oct 19, 2023 01:31
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Yeah the emails they send out are super cringey. Even their release notes for iOS update are as well.
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Oct 19, 2023 01:53
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They’re pretty high on their own supply. It was telling enough when they kept posting success stories of people/couples earning like 150K$+ while ostensibly still living from paycheck to paycheck. As if that is their core audience. They’ve dialled it back a bit after the community complained.
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Oct 19, 2023 07:18
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Harminoff posted:I don't like how I can't refresh my CC anymore Fidelity is broken for good, I'm afraid.
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Oct 19, 2023 08:23
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I still don’t know how the gently caress credit cards work in this drat thing.
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Oct 19, 2023 16:21
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Pollyanna posted:I still don’t know how the gently caress credit cards work in this drat thing. If you pay it off every month, just make it a checking account instead. Save yourself the hassle.
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Oct 19, 2023 16:35
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I keep the balance on my card either very low or paid off to 0 because I hate having outstanding debt, so. I’ve been considering linking my HYSA, considering how often I move money to it. Good idea/bad idea? Pollyanna fucked around with this message at 16:57 on Oct 19, 2023 |
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Oct 19, 2023 16:54
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If you really want to see some poo poo, check out how they looked to hire a Director of Product:quote:I wanted to reiterate our hiring process here, so that you can refer back to it as needed. (I'll keep you updated throughout, too!)
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Oct 19, 2023 21:22
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Five interviews and paid homework? lmao Latter surely isn't anything that'll ever find its way into the main product, given how little it changes.
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Oct 19, 2023 22:04
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Tech companies have absolutely psychotic interview processes so I am unsurprised that weirdos like the YNAB crew took it to some exceptional level.
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Oct 19, 2023 22:14
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poo poo even even internal hires in my company have to go through 3+ interviews
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Oct 20, 2023 01:07
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