Wow. Where do We Start? Oil vs. Water. Light vs. Dark. Good…vs. Evil? Okay, that was melodramatic. But just a little.
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 Quicken’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 Quicken, ask them about that experience too. 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, and Angela.
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.
This hardly sets us apart from most software, but it does set us apart from Quicken (what are they so afraid of?). We let you give our software a thorough tire-kicking for 34-days. We know you’ll either like it, or find something else that suits your needs. We think you’ll like it. You can download a trial now, if you’d like.
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.)
Quicken removes their direct connect feature after three years.
We think this tactic is just mean. Quicken knows they’re the biggest player in town, so they have users over a barrel--at least they used to. When you buy YNAB software, it’s yours, and we won’t break a feature to force upgrades on you. We hope you’ll upgrade to a later, major version because you want to.
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 to tell you that’s a good idea.