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Ynab 4 Windows 10 Installation; Ynab 4 Windows 10 Compatibility; Ynab 4 Windows 10 Download; Windows 10 Download; Sep 15, 2016 This vid explains how to uninstall YNAB 4 manually. Plz use this app uninstaller PRO@ if you are having trouble. YNAB 5 Is Not For Me. January 05, 2016 by Gabe. You can sign up for You Need a Budget (YNAB) here (Image credit: Quicken) 4. Google Chrome and Microsoft Edge get major Windows 10 antivirus update. YNAB 4 is budget software features Cloud Sync, making it easier to stay focused on your budget and always up to date by staying in sync wherever there's an internet connection. User reviews about You Need A Budget 4 (YNAB). Have you tried You Need A Budget 4 (YNAB)? Be the first to leave your opinion! Download YNAB Classic for PC - free download YNAB Classic for PC/Mac/Windows 7,8,10, Nokia, Blackberry, Xiaomi, Huawei, Oppo - free download YNAB Classic Android app, install Android apk app for PC, download free android apk files at choilieng.com. You Need A Budget 4 (YNAB). I've not encountered any problems - used YNAB in both Windows 8 and 10. Jul 30, 2015 @ 3:37pm I am currently using 8.1.
We’ve been using YNAB for a long time. It was with us through nearly our entire debt-free journey. YNAB 4 was a part of how we handled money in our family and we weren’t ready to part ways when the new online YNAB came along.
YNAB (the company) understood that parting would be hard so they let us keep using YNAB 4 indefinitely. We took them up on that for exactly 3 years! Now we’re making the switch to the new YNAB.
First I’ll explain our reasons for switching and our reasons for dragging our feet so long. Then I’ll share a hack for the new YNAB that helps preserve my favorite YNAB 4 feature.
Why we finally switched from YNAB 4 to the new YNAB
Let me start by saying the decision wasn’t an easy one. But I was thinking of YOU. Yes, we made the switch in large part to conform to the modern budgeting world.
When Six Figures Under was new, I shared YNAB budgeting tutorials filled with screenshots of our actual budget. As time went on I made videos sharing the screen of our actual budget.
This was all well and good when YNAB 4 was around. Readers like you could see how we actually budget, and get a peek inside how YNAB really works and how we use it. Hundreds of you who tried it out back then with a month-long free trialdecided that YNAB 4 would be a good fit for you. I still hear from many of you who became faithful YNABers from my recommendation!
Now that YNAB 4 is not generally available, it doesn’t work as well for me to share our budget with you. I feel like I’m taunting you with pictures of, say, the most delicious “Fancy Berry Pie”.
(Yes, I just made that up, but follow my analogy on this one.)
I share the failproof recipe with you. You’re so excited to make your own Fancy Berry Pie, and then I break it to you that you actually can no longer buy fancy berries anywhere. Sorry guys! My freezer may be full of fancy berries, but you can’t have any. How sad is that?
Well that’s pretty much what has happened with me and YNAB 4. I love to share practical budgeting tutorials using our actual budget, not just the amounts, but also the tips and tricks that make the budgeting tool itself so nice to use. For the last few years, unless you already had a copy of YNAB 4 (a freezer stocked with fancy berries), you couldn’t conveniently implement anything I was showing you!
Now, I could have invented a pencil and paper method, told you it was the bestest, and sold you a budget printable, but that’s not how I budget.
People ask me ALL THE TIME what I use for budgeting. Of course I still recommend YNAB to them, because, well, it’s still YNAB and the methodology is solid, but I’m not able to help people the way I used to.
So the #1 reason for switching to the new YNAB is to be on the same platform as YOU. While still using YNAB 4, you just had to drool over it (mmmm Fancy Berry Pie!) when I bashfully showed it off. With the new YNAB, if you’re not already YNABing, I can at least give you a way to check it out (hooray for a free 34-day trial!).
For full disclosure, if you subscribe to YNAB after clicking on my link and doing a free trial, then I’ll get a free month of YNAB too. But that’s not why I’m doing this. If that were the case I would have done this 3 years ago.
Let me tell you why this change has taken so long.
Why we were hesitant to change to the new YNAB
Some of the features that we loved about YNAB 4 changed in the new YNAB. That made us sad!
The main thing we missed was the month ahead feature. In YNAB 4, once you had a fully funded month-ahead buffer, you could send your paychecks from THIS month to NEXT month’s budget. That money would not be available to budget until the following month.
The new YNAB drops this feature in favor of “aging your money.” Instead of holding all of this month’s pay in a separate and discreet “container” all of your money blends together and “ages.” You can be “ahead” by budgeting out your expenses for future months with any “extra” that you have, but this is definitely not the same as what YNAB 4 does.
As we were paying off debt, we relied on the month ahead feature to budget every penny down to zero and maximize our debt repayment at the end of each month. (Spoiler: you’ll see some historic YNAB 4 images in both of those popular blog posts!)
After playing around with the new YNAB, I’ve come up with a hack to mimic this functionality that we adored in the old YNAB.
How I make the new YNAB budget income like YNAB 4
If you’re a visual or auditory learner, then watching the video below will be most helpful. Otherwise keep reading and I’ll do my best to explain it in words and pictures.
How it works in YNAB 4
In YNAB 4 when you enter income you choose either “Income for [current month]” or “Income for [next month].”
If you choose next month, that money moves over into the next month’s “available to budget” total. You can start allocating it to next month’s expenses right then, or you can wait until the 1st of the month.
Life is good. You budget one month at a time down to zero.
My hack for making it work in the new YNAB
Since adding income in the new YNAB just adds money to a timeless pool of “available-to-budget” money, I want to earmark money earned this month so that I can wait to spend it until next month.
I don’t want to leave next month’s money in the general “Available to Budget” balance because it is too easy to cheat (inadvertently or intentionally) when I’m moving money around to different categories throughout the month.
I don’t want to cheat myself out of next month’s money and lose my buffer. If you can’t appreciate the benefit of being a month ahead read my post about living on last month’s income.
To avoid this potential problem, I made a specific holding category for “income earned this month that I don’t want to spend until next month.”
When a paycheck arrives, I enter it as new income.
The amount immediately goes up to “To Be Budgeted” at the top of the budget.
I then budget that exact amount to my special holding category.
Throughout the month all of our paychecks builds up in this category.
At the end of the month when I’m ready to make the next month’s budget, I release the funds from the special holding category by changing the budgeted amount to zero. Now all of those funds are released to the “To Be Budgeted” total.
Now I budget the new month completely, until the “To Be Budgeted” amount is zero. Any new paychecks are treated as above (entered as income and budgeted to the special holding category).
Throughout the month if I overspend in a category, the “To Be Budgeted” amount goes into the red and I immediately pull budgeted funds from another category to cover the overspending without stealing from the future.
The sad part about this hack is that there is not a beautiful record left. In the old YNAB I could easily go back to any month and show you with one click the income that funded that month’s spending.
But it works and keeps us precisely one month ahead. Everything over our monthly expenses goes to funding our goals (currently paying off our mortgage).
Should YOU switch to the new YNAB?
To put it simply, “If it ain’t broke, don’t fix it!”
Just because I decided to switch doesn’t mean you need to. If you are using YNAB 4 and it’s working for you (it was working great for us!), then there’s no need to switch.
There are some perks with the new YNAB, like automatic syncing of accounts (though we opted to still enter our checking account and credit card manually so we can be aware of our spending) and setting goals for categories.
Like any subscription, though, it also has a fee. I believe it’s totally worth the cost (it will save you WAY more than you spend on it), but if you don’t have to pay for it, then you can save that money! If you already bought YNAB 4, you can keep using it forever without having to pay for it.
So it’s up to you! You can try the new YNAB and see how it compares, then decide for yourself!
If you want to try YNAB, be sure to do this
As you may have gathered, YNAB is a different from other budgeting methods. The YNAB methodology will teach you to manage your money differently than you’ve probably done in the past. The rules in YNAB are different enough to be startling to long-time budgeters but intuitive enough that you’ll end up thinking, “Why doesn’t everyone do it this way?”
Because it’s different, it’s crucial that you check out their free classes during your trial so that you can learn HOW to use YNAB. This isn’t the kind of thing where you just throw away the instructions and wing it. If you try that, you will probably not have a good experience.
So go grab your free YNAB trial and then sign up for their free classes and learn how to use this powerful, finance-altering tool. You’ll be so glad you did!
Oh, and if you have questions about how WE use YNAB that you’d like us to address in future posts or videos, just let me know. Now that I don’t have to feel guilty for showing you mouth-watering pie made with fancy berries that are no longer for sale, I can start sharing the technical side of budgeting again!
Don’t worry, I’ll still keep showing the personal side too. This is, after all, personal finance made public!
How about you?
- Do you use YNAB? Which version?
- If you’ve used both versions, I would love to hear your comparison and what you love or hate.
Do you know how you spend your money?
Not too long ago, your only option was to purchase similar budgeting software like Quicken.
But what if you don't have extra cash to spend on software to watch your cash? That's when getting free budget software can be very useful. They may not have all the bells and whistles as a paid package, but they work well enough so you understand where your money is going.
Fortunately, because of advertising and other monetization methods, there are plenty of free budgeting tools worth using. Even if you are tired of paying for software that provides little value, it's possible to save money and still track your money goals.
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These tools can help you make a spending plan and track expenses. You can effortlessly connect your bank accounts, investments, and credit cards from any computer or mobile device with internet access.
1. Personal Capital
Personal Capital is one of your best options if you care more about tracking your net worth and investment performance than budgeting. Their platform syncs your bank and investment accounts. To see how rich you really are, you can manually add the value of tangible assets like your house, vehicles, and collectibles.
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The free investment tools include a retirement tracker and fee analyzer. If you want to retire rich, these tools are a great starting point. The only time Personal Capital costs money is if you use their optional wealth management service.
What's also nice is that Personal Capital has a suite of investing tools too. This way when you're ready to start investing, the tool can grow with you and you won't have to switch to something else.
2. YNAB
YNAB (You Need a Budget) deserves a higher spot but it's only free to college students for one year. First-time budgeters have an average $600 savings in the first two months according to YNAB. If you're serious about budgeting and knowing how you spend every dollar, YNAB can be well worth the $84 yearly fee.
YNAB adheres to four basic rules so you can pay this month's bills with last month's paycheck:
- Give every dollar job
- Embrace your true expenses
- Roll with the punches
- Age your money
You can sync U.S. or Canadian bank accounts with YNAB. For other accounts, you will need to import your accounts' QFX, OFX, or QIF files. File imports can be a hassle yet it's still quicker than manually entering every transaction.
Your accounts sync in real-time across multiple devices. This makes budgeting easy as you and your spouse see the same information. YNAB works with almost any internet-connected device including Alexa and your Apple Watch.
(read our You Need a Budget review for more)
If you like YNAB but are not ready to upgrade, try EveryDollar.
3. Mint
Mint is probably the most popular free money tool. One reason is that it's one of the oldest programs. Second, the same company (Intuit) that owns TurboTax also runs Mint. Maybe you use TurboTax to file your taxes for free.
You can sync your credit cards, bank accounts, and investments to track budgeting goals and assign budget categories to each purchase. Mint can also send your alerts for events like bill due date reminders, ATM fees, being over-budget, and large or unusual transactions.
You can also track investment performance with Mint. This is a helpful tool to let you monitor all your accounts in one dashboard. However, the main reason to use Mint is for the budget tools.
4. GnuCash
Accountants at heart will like GnuCash. You can track bank accounts, stocks, plus even small business income and expenses. Clearly see your data using reports, graphs, and a checkbook-style register. Advanced features include tracking accounts in multiple currencies, check printing, and double-entry accounting that ensures your accounts stay balanced.
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This powerful software is completely free and open-sourced. GnuCash users are continually adding new features to make finance personal. It's possible to import QIF and OFX bank account documents your current accounting software may rely on.
You can use GnuCash with most PC, Apple, and Linux operating systems. An Android mobile app is also available.
5. Google Sheets
Sometimes the simplest budgeting tool is the best. You can use a premade Google Sheets template or make your own. The online sheet can be more user-friendly than still logging every income and expense on pen and paper. Although you must still manually input each event, you can customize your budget spreadsheet.
One of the best reasons to use Google Sheets is that it's accessible from any computer or laptop. Multiple people can make changes to the sheet when you grant them edit access.
If you want some automation, you can get Tiller Money to automatically pull your transactions (from your credit card, bank, etc) into your sheet for you.
6. Goodbudget
As the war on cash wages on, Goodbudget is a free digital envelope budgeting tool for those of us who use online bill pay. You can assign budget categories for up to 20 envelopes and track spending on two devices. Upgrading to the Plus plan costs $50 a year and you get unlimited envelops and can use Everydollar on up to five devices.
7. Truebill
Truebill can help you track spending, make savings goals, and reduce recurring expenses. You can sync your money accounts to get spending reports and make a basic budget. If you want to cancel subscriptions, Truebill provides free how-to instructions.
You can also use Truebill to negotiate bills for a lower cost. It's free to start the negotiation process. Truebill keeps a 40% success fee of the total savings for the first year. At least you don't have to get on the phone and do it yourself. You can save the most money if you have a cable tv bill or a contract cell phone plan.
Truebill works on any computer or mobile device. Although their iOS and Android apps offer more features to automate your finances.
8. Everydollar
Dave Ramsey fans should consider Everydollar. You assign every dollar you earn a budget category. This zero-sum budgeting strategy is similar to the money envelope system. If you don't know where to start with making a budget, you can start with the standard Everydollar budget template. Their debt snowball feature can help you make a plan to get out of debt.
The free Everydollar plan requires you to manually add each transaction. Upgrading to the Plus version costs $129.99 per year but automatically downloads your bank account and credit card transactions.
See our Everydollar review to learn more about the free and premium tools.
9. Wally
Wally is a free budgeting app although you will need to manually input transactions. Automatic bank account linking costs $1.99 per year. You can color-code your budget categories and make group budgets. Expense tracking can be easy as Wally lets you take pictures of receipts.
One reason to consider Wally is that the free version is ad-free. Like most apps, you can make in-app purchases to take budgeting to the next level. Premium tools include currency conversion, bank account linking, and other advanced budgeting and data export features.
Wally is only available as an app for iOS and Android devices.
Summary
The best free budgeting tools can be as simple or advanced as you desire. In the past, most budgeting apps cost money. That's no longer the case whether you prefer to budget from your computer or phone.
Are you going to try one of the free tools? Which feature is the most exciting?