I’m starting to budget using You Need A Budget (YNAB). I used it for free in May and decided to commit to one year using the software. The program takes some getting used to as it handles envelopes and zero based budgeting a little differently from what I was used to when using Mint.

YNAB costs $109 for one year, which comes to about $10 per month. I know it does not seem to make sense to pay money to save money but I’ve accounted for this in the budget so it works out.

So far I like what I see and the rollover feature is cool to see. I don’t follow a lot of the advice they give because some of it is unnecessarily complicated to me and just does not suit my needs. I will say that it was easy for me to set up the budget without looking at any videos. All of my banks were able to link up and sync daily without issues. Let’s see how I like this program and if I feel it is worth the cost after one year.