YNAB is Laser-Focused on Having You MANAGE Your Money. Not Set it and Forget It. That Doesn't Work.
We run classes daily that are designed to help you hit the ground running.Pick a Class
Our Method is the key. Everything about the YNAB Software supports budgeting. But not the kind of “budgeting” you’re used to (diet, suffocation, suffering and prison come to mind?).
We help you set up a flexible plan for breaking the paycheck to paycheck cycle, getting out of debt, and saving more money. It will change how you think about your money—forever. Speaking of change...
YNAB users are paying off all their debt, building emergency funds, and investing for their future. Read their success stories (a link to Mint’s success stories is still pending) and you’ll discover exactly how YNAB changed their lives.
If you have a friend or family member that uses YNAB, ask them and they’ll tell you why they love it. If you have a friend or family member that uses Mint, ask them how their finances have improved since using it. You'll see the difference. ;)
We measure our response time in hours instead of days. Our support team is small and they care about you. Their names are Steve, Andrea, Angela, and Chance.
Oh, and Erin, Malisa, Todd, and Lee do daily, live webinars to help you learn the YNAB Method so you can start off on the right foot.
We’re not sure why everyone on our forum is so friendly. It must be something in the water. At any rate, we have the friendliest community on the Internet. If you have a situation-specific question that needs answering, you’ll get an answer over there, and quickly too.
Mint is "free", but you pay for the service by being bombarded with ads for brokerages, life insurance, credit cards, and bank accounts...constantly. Since Intuit (the makers of Quicken) purchased Mint, the ad intensity has only increased. :( We want you to simplify your finances: pay off your debt, CLOSE those credit card accounts, and avoid having four checking accounts and eight savings accounts just to make a few inconsequential dollars of extra interest. Keep things simple, and resist the ads Mint pushes on you 24/7!
We do not directly connect with your bank, log in with your password, and download transactions for you. That kills awareness by encouraging a “set it and forget it” mentality that allows you to not revisit your budget for months, leaving you right back where you started. We’ll still import transactions you download from your bank (OFX, QFX, QIF) to make sure you’ve captured every transaction in your budget. However, bank importation should not be the primary means of entering data into YNAB. (Use your phone and record it as the transaction happens, or make entering receipts a 5-minute daily ritual. Your money will thank you for it. Promise.)
YNAB knows if you handle your cash flow—the basic ins and outs—the rest of your money takes care of itself. Really. When you follow the YNAB Method, you can accelerate your debt pay-down strategy, and have more to invest and save.
As far as the mortgage goes, once your debt is paid off, and you have a bit of an emergency fund in place, why not just pay more on it? A larger payment means less interest. You don’t need a complicated mortgage amortization schedule to tell you that’s a good idea.