![]() ![]() ![]() Finally this year I embraced the newest upgrade and am loving it. The software has undergone some upgrades over the years, but I held on tight to the old version (YNAB 4) for a really long time. I’m a bit obsessed with making sure my accounts – even cash – are up to date. I even enter things like a 2 euro ice cream. Previously I was using an Excel spreadsheet that worked pretty well but didn’t give an accurate reflection of my actual spending. Ever since I signed up, I’ve been hooked on entering my expenses each day in the mobile app and updating my categories in the desktop app. Its annual subscription has a price tag of $84 per year and I consider it a necessity. There’s a 34-day free trial, so I gave that free trial a spin back in 2014 and haven’t looked back since. I first heard about it from a group of American language assistants in Spain. I’d like to optimistically think that YNAB has spread its joy to some of those people by now and they’re getting on track. This article is an eye-opening look at the sad state of American finances, at least back in 2016. So the topic of money is a source of shame and embarrassment for many people. Understandably though – Americans face crippling debt from student loans, healthcare and credit cards and many aren’t saving for retirement. It’s apparently much-needed, as it seems many American adults don’t talk about finances with their partners and a large number generally have no clue what’s going on in their money world. ![]() The company, started by Jesse Mecham back in 2004, was developed to help everyday people get a handle on their finances. My students who work in finance and accounting get a good laugh out of it, because that’s the last thing they think about in their free time, and here’s this crazy American getting excited about it. I even talk about it in my business English classes. You could probably call me a YNAB evangelist. What I talk about most is the software I use, called You Need A Budget, YNAB for short. ![]() I like reading about it, talking to people about it, and now apparently, blogging about it. This is one of those topics that doesn’t get old for me. ![]()
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