I Hate Budgeting. YNAB to the Rescue!

In case I have not made this abundantly clear on the blog – I HATE budgeting.

Did I make that clear enough yet? :)

Seriously, I would rather change 24 poopy diapers than to sit down and hammer budget.

Luckily, there are guys like Jesse Mecham who aim to make budgeting cool.

Is that really possible?  Jesse would like to think so.  :)

Here’s an interview with Jesse that further explains what YNAB is and how it can help with your budgeting needs.

Recapping from Jesse’s interview, YNAB’s four rules of budgeting are listed below. Here’s a more in depth look at their methodology.

  • Rule One: Give every dollar a job
  • Rule Two: Save for a rainy day
  • Rule Three: Roll with the punches
  • Rule Four: Live on last month’s income

Here’s another simple reason why I love YNAB. Most programs would give you a free trial, right? Realizing that it takes a full month to track your budget and then a few days to digest it, they give you 34 full days to test drive it.

YNAB vs. Mint – What’s the Difference?

I know many people love Mint.  It’s free, easy to use and it’s…uh….free!  So what makes YNAB different than Mint?   I went straight to Jesse to clarify.  Here’s what he had to say:

Mint is GREAT at letting you view all of your money in one place, and see what has been spent. It’s a very pretty post-mortem analysis opportunity :)

YNAB, and its baked-in philosophy, is about getting people to look forward and anticipate, telling their money what to do before the spending happens, anticipating larger, less-frequent expenses, and eventually breaking the paycheck to paycheck cycle.

Jesse, also offers a friendly reminder you that while using YNAB you won’t be hawked any goods or outside services.  ;)

YNAB is a Cult!

While interviewing Jesse, I stopped by the YNAB blog for the first time and was blown away how much interaction there was.   I mean c’mon, it’s a blog catered to a budgeting software program!   Don’t these people have any where better to hang out?  :)

It became abundantly clear, YNAB users LOVE YNAB.

34 Day Free Trial

They are confident that after the 34 days of using YNAB you’ll be hooked. Care to take them up on their dare?

Try YNAB for Free for 34 Days.  When you purchase, use this special link to get $6 off the purchase price.


I want to also add that even though Jesse is a budgeting geek, he’s also an avid Crossfitter like myself. We got to meet for the first time this past weekend at the Financial Blogger Conference in Denver. While there, Ramit Sethi dueled us to a pull-up challenge and it was game on.

Jesse and those awesome biceps of his took down the prize with 23 (dead-hang) pull-ups. Go Jesse!

YNAB Review

Pullup Challenge- FINCON12

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Comments | 6 Responses

  1. says

    I think it is great that there are budgeting software out there that are offering their services for free or for a reasonable price. I personally use yodlee and an excel spreadsheet and think that it is an awesome budgeting software. However with the wider budgeting coverage of YNAB, I think that I might give it a try and see what it can do to my budget.

  2. Shorelinecity says

    I heard about YNAB a few years ago & I think with their most recent enhancements it is finally time to sit down & give it a go. I think it will be the exact change in my mindset that I have been needing.

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