As a bonus, it also removed the credit card payment box, which gave me back the top third of my computer screen. This allows me to use the YNAB4 cc methodology. I defined my two cc accounts as chequing accounts. To say it made me angry is deliberately understating just how crazed it made me. I finally gave up trying to use the nYNAB cc methodology. nYNAB wants me to immediately acknowledge I am taking on debt the moment I use them. I buy gift cards and transfer from cc to gc accounts. I see these accounts as transactional or convenient flow-through accounts.
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I pay my 2 cc accounts in full on the second last day of each month so that I can start each month owing nothing to no one. It made me so very angry, I would be crying in frustration. I simply could not make the cc methodology work for me. It isn't that different from YNAB4 except the cc methodology. I maintain 33 on-budget and tracking accounts. I really loved the control YNAB gave us over our finances and would like to find a way to make it continue to work for us. It's now a chore.Īny advice is much welcome. But I just can't see myself using this program anymore. We've paid for the full year, so I'll probably see it through until our subscription runs out.
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And the savings accounts as budget accounts (again, while much more practical, in theory), is making it tedious to balance budgets because I need to calculate combined totals constantly.Īnyone else experience the same problems? Has anyone overcome this tough transition to the new program? Any tips on how to do that? But the automatic credit card payment category (while logical, in theory) messes me up every time. On its surface, the new YNAB seemed like it would be fine. The old YNAB made it easy to organize all of these random transactions. And, we have three credit cards that are joint, but used for individual purchased. We have three checking accounts and three savings accounts - that's a personal checking/savings each, and our join checking/savings. I think it may be a result of the way we organize our accounts and budget.
For the amount of work I'm putting in each week, I might as well use a pencil and paper ledger for our budgets. Now I'm confused, frustrated and annoyed, frankly. I used to love budgeting and looked forward to our YNAB sessions. It's very tedious now, and I dread doing our budget. I'm not afraid of a challenge, and have spent hours and hours trying to learn and love this new version.īut it just doesn't seem to be working for how we use YNAB. We finally switched to the new version after our computer died a couple months ago. My husband and I have been active YNAB users for more than five years.