7 months into using it my partner & I find YNAB very overcomplicated. Being freelance I don't have a steady income, and I've never managed to make it handle that well. Because the income figure isn't correct it's hard to see what I'm actually spending (if I put my 'lump income' in a category and move money between categories to have 'income' each month, that mucks up the amounts).
I have yet to get it to balance any month too. Some categories (e.g. clothing) we work on an annual budget, so overspending in these categories rolls forward; that doesn't seem to work smoothly.
My partner can't get her head around it at all, which is a bit of a bummer.
What I'd like is a much simpler system based on the old T account (envelope accounts are similar) where each category functions as a virtual account, showing what was spent, inter-category transfers and overall status.
I have yet to get it to balance any month too. Some categories (e.g. clothing) we work on an annual budget, so overspending in these categories rolls forward; that doesn't seem to work smoothly.
My partner can't get her head around it at all, which is a bit of a bummer.
What I'd like is a much simpler system based on the old T account (envelope accounts are similar) where each category functions as a virtual account, showing what was spent, inter-category transfers and overall status.