this post was submitted on 28 Jun 2023
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YNAB for many years (at least three) and I still miss it. Then I took a break and lost control of finances and signed up for new YNAB and it's worked well enough for the last 5 years.
I'd be a nervous wreck spending money if not for YNAB ๐
No spreadsheets for me now but that's how I started. I created a spreadsheet to emulate the envelope budgeting method. But YNAB categories filled that need and did it better so I switched over to that at that time.