You need a budget discount 20135/7/2023 ![]() ![]() Overall this is a solid cloud-based software solution that should help you get on top of your finances. You Need a Budget (opens in new tab) continues to improve with each successive release. All in all then we’d like to see this beefed up in future iterations. While email support is okay, it’s not quite the same, although another alternative is to consult the forums.Īgain though you're not always guaranteed the information you get is going to be 100% reliable. There is a step-by-step guide and FAQs, which should answer many of your queries, but it would always be a bonus to be able to contact a real person for those more unusual requests. There’s no phone support, which considering this is a paid-for service leaves You Need a Budget sorely lacking. This is even more of a point when you consider the ongoing subscription charge for using the service. The area of support has to currently be one of You Need a Budget’s weakest areas and could do with some improvement. ![]() Is this the preferred method? I'm still watching some how-tos on YT to find the best path.The lack of real people support is something of a negative however (Image credit: You Need a Budget) Support This method would provide the wife and I a more detailed account of each of our budgets/bank accounts. I would then tag each deposit accordingly. This would make it clean without the bank accounts crossing over. ![]() My initial plan was to make three budgets on YNAB with each budget linked to their own corresponding bank account. Do I make one large budget using all three checking accounts? My drawback is that it may be too large of a view. I'm looking to set up a smooth system with YNAB but I'm not sure what method to go with. However, we'd like to tighten down and plan ahead. We pay for our own credit card bills out of our independent checking accounts. We then deposit money into our joint account for the large bills (mortgage, joint bills, utilities, groceries). The current operation is as follows: We are both paid every two weeks in our checking accounts. This breaks down to each of us having a checking and savings account with the final account being our joint checking account. The spouse and I currently have three checking accounts and two savings accounts. I'm in the process of converting over to YNAB from my old spreadsheet. It's amazing how much better shape I'm in now after only 6 months. If this would have happened to me last fall I would have had to float this expense on credit cards. ![]() I so appreciate this system for how effective it is in supporting financial health. The age of money is a one month emergency fund. I'd often felt the debate on prioritizing age of money or emergency fund first were really the same thing and this cements it for me. My age of money is taking a hit but this bill is not devastating. My age of money is over 30 days so it was quite easy for me to pull back some of my April funded amounts to cover this bill. The thing is I have the money to cover this bill. Fresh started in November realizing I was on a credit card float and I chose to focus on the age of money first before building up an emergency fund hoping that an emergency didn't happen before I got to it. When I'm on my finances are in a better place than when I'm off. I've been an on again off again user for a number of years. ![]()
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