I had also bought YNAB4, and now I am in a trial subscription of the new online version, and I'm loving it. And, obviously, we know you need a budget. Fast forward 2 years and I maintain my view that the new YNAB: If you’ve changed email addresses or you bought YNAB 4 through Steam or another program, once you’ve started your free trial email [email protected] with proof of your YNAB 4 purchase (your original email receipt or copy of your activation key works great!) If you want to buy something different now, that's up to you. This was all clearly spelled out when you purchased way back when. YNAB is billed at $50 per annum, and offers 100% money-back guarantee. Let's say you bought a lifetime subscription of plain glazed donuts at Krispy Kreme, but they later came out with a deluxe glazed donut with like sprinkles on them. ... the Buckets is the only offline budgeting desktop application which has budgeting as front-and-center as YNAB 4, and the developer is continually working on it, so hopefully it will be improved further. It’s been a while since I was earning enough to use it, but now I wanted to rekindle it as I take out loans for college. You can still download and use the version you bought as long as it will run on your computer: https://classic.youneedabudget.com/. (It’s Wayne Gretzky or science or something.). Using the latest version of YNAB 4, select “Migrate to the new YNAB” from the File menu. Cancel anytime. They have no phone number, only email. (The old version continues to be licensed, but there's a time limit on support.) If you'd bought long enough ago that you wouldn't have gotten a free upgrade under the old model, you just got a trial - but your old version continued to work. If you currently have a subscription to Calm, please follow the directions below for canceling your subscription. If you’d like to use the new YNAB, you will need to create a new account, sign-up for a free, 34-day trial, and then (hopefully!) $50 per annum per user is a NPV cost paid by a lifetime user of over $1000. If you have gotten this far, you know you need a budget. They bill you annually, though, at $83.99 per year. YNAB states their infrastructure is built on Heroku. We don’t want you to feel any anxiety about locking in that lifetime discount. Once we started using YNAB, we had a much clearer picture and we had better communication about who was spending what and how that money was transpiring.”, I thought of consumer debt as something that would always be with me. I believe the two are completely different systems. If I could afford it I totally would! It is very easy and profitable to migrate and upgrade to new versions of YNAB as it offers 10% lifetime discount on upgrades. You won’t be spending less, you’ll be spending right. New versions of software have almost always come at a new cost. Thank you for the links! The yearly cost of the new one is almost as much as the lifetime cost of the old one. Manage Your Subscription. 4. You can select what currency you want to use in your budget, but you can’t use multiple currencies together in a single budget. and we’ll set you up! Sorry, this post was deleted by the person who originally posted it. £2.50 a month, I'm happy that this represents good value for money for me, but I suspect this will be quite controversial and I wanted to give MNers a chance to avoid the charge. Lifetime access to Calm may be purchased at any time. YNAB actually goes way beyond tracking your purchases – it’s main goal is to help you budget. Follow YNAB to get support and lots of great ideas on budgeting. If you decide to cancel your subscription and delete your account, all of your data is removed from the YNAB database. Amid the coronavirus pandemic, banks and credit unions are trying to offer some relief to their affected customers. It doesn't appear in any feeds, and anyone with a direct link to it will see a message like this one. I found YNAB paid for itself within a matter of weeks, and many times over in the past two years, not just in money saved and money spent more wisely, but also in peace of mind and a quietly growing financial confidence. Is YNAB free for students? Key Features: Bank Synching—Easi… Usage reports. Upgrade here, and a 10% lifetime discount will be automatically applied to your annual subscription. ; If you subscribed through the App Store (on an iPhone or iPad), you'll need to manage your subscription through Apple. YNAB offers students a free one-year subscription, and 10% off the subscription price if they renew. Your licence for that software is still valid and you can use it if you want to, though it’s older and not being updated anymore. Cookies help us deliver our Services. Or think of it like this: skip one night of eating out this month, and you’ve paid for YNAB for a year (and cut out 1,000 calories!). By using our Services or clicking I agree, you agree to our use of cookies. There's no way I can consider paying such a high amount over and over, but 60 bucks is definitely worth it to me as a one-time expense if the software will truly help me save money and get out of debt. New comments cannot be posted and votes cannot be cast. YNAB charges a monthly subscription fee of $6.99 per month. Try it free for 30 days. (It’s seriously slick, you should try it.). How do I move my YNAB 4 budget to the new YNAB? After your free year as a college student, we’ll give you a one-time 10% discount! I didn't go that route so I'm not familiar with the process, but I'm sure chatting with their customer support would be helpful. If you’d like to continue using YNAB 4, check out this page for all the details on compatibility and support. To quote their own words: “the subscription model was a better model for us” – No doubt. If you're a student, YNAB will give you a year free. No questions asked. Heroku uses the Amazon Web Service Technology and continually monitors their security. That’s my kind of company. No, you are not justified. On average, new budgeters save $600 in their first two months with YNAB. by George Windsor Updated: January 17, 2019 Budgeting Tools. Wally vs. YNAB And it seems that’ll finish my YNAB adventure eventually. YNAB makes money through its $84 a year subscription fee. Just keep in mind that the trial can only be added once per email account, so if you have multiple students that's when multiple accounts may come in handy (even if only temporarily). You Need a Budget (YNAB) (pronounced Why-nab) is an American multi-platform personal budgeting program based on the envelope method. You won’t be alone, either. If you don't want to pay the new pricing, I'd suggest continuing to use the old version or replicate the functionality in your own homegrown spreadsheet. The requisite warnings about giving your banking data to a cloud-based third party aside, it’s decent budgeting software. Direct import? We can’t wait to get you budgeting! YNAB offers bank synching, access to your real-time budgeting data from any device, reports, goal-setting, personal support...and peace of mind. YNAB's last version was YNAB 4, which was a desktop-based application. Press J to jump to the feed. By this point, you will have saved so much money, it will be a no-brainer. I'm desperate for budgeting software but I'm leery as it is paying 60 bucks. Monthly funding goals? This review delves into what YNAB offers. Change the way you think about budgeting forever. Your data stays encrypted the entire time. Oh, and more than $6,000 after one year. One-time payment, billed annually. The YNAB for Good initiative exists to support and empower organizations who are already working to create and teach financial stability in underrepresented and marginalized communities. Yes! Is the exchange rate taken into account with pricing? My old password and login don’t work so I tired to contact customer service. In terms of an investment, that’s a serious return. That make sense, thanks for the perspective. But as you were a YNAB 4 customer you are entitled to a discount for your subscription. with the week's best budgeting wisdom and inspiration. To qualify, you’ll need to provide proof that you’re an active student. Follow YNAB to get support and lots of great ideas on budgeting. As mentioned above, YNAB doesn’t offer a current or savings account and so doesn’t come with a long list of fees and limits. Direct import currently only supports US and Canadian banks—but File-Based Import works like a charm. What does your "No-Risk, 100% Money-Back Guarantee" cover? In fact, we offer a No-Risk, 100% Money-Back Guarantee. We offer more than fifteen different free workshops—things like “Create a Debt Paydown Plan” and “Saving Money On Groceries.” And we have an active community of YNABers who are happy to help new budgeters, alongside our stellar support team. Re: YNAB moving to a subscription model « Reply #79 on: January 03, 2017, 12:46 AM » Also still using YNAB 4 .. if it stops working at some point I might try if Moneydance does enough for my needs, but it is highly unlikely I will pay a subscription fee for YNAB (I … Budgeting is not restrictive. They even have free classes on budgeting! Please note, purchasing a lifetime subscription will not necessarily cancel the auto-renewal of a current subscription so be sure to complete these steps to avoid extraneous charges. You bought a licence to use a particular software, which was YNAB version 4. Press question mark to learn the rest of the keyboard shortcuts. If you need a budget but don't want to pay for You Need a Budget, this one gets you all the budgeting functionality at absolutely no cost. It’s a subscription service at ~$84 PA, and web-based, but doesn’t link with UK banks so some amount of manual importing is required. So what do you have to lose? However, YNAB is free for 12 months for all students (in addition to the free 34-day trial). How you update your subscription depends on which platform you're using and how you subscribed. Also, more control and less stress. We use it to keep track of money set aside for future purchases in sinking funds (more on that in a future post). I remember a lot of people were upset when they announced "new YNAB" - the old YNAB forums were full of angry posts. Personal support and teaching, 7 days a week. You bought a lifetime subscription to YNAB or YNAB4, not to the newer online version. But is all the hype true? It’s available for both Android and iOS, and the Wally app will also let you store photos of receipts. Plus, the trial is free for 34-days so definitely worth a shot! You paid for the old one, you want to use the new one. It promises to help you pay off debt, save more money and create a flexible budget that makes it easy to achieve your financial goals. 45 USD per year. The online budget planner includes attributes like connecting with the bank, accessing data from any devices, debt paydown, target achievement, analyzing, good customer support, and much more. The old one still works, except maybe with a mac, https://classic.youneedabudget.com/download/ynab4, https://classic.youneedabudget.com/order-lookup/index.html. YNAB charges a monthly subscription fee of $6.99 (or about £5.20), so less than your Netflix or Amazon Prime subscription. Got ‘em. The new pricing sucks but someone has to pay for Jesse’s Tesla. Personally, I don't find the new features particularly worth the full price they're asking (I do subscribe at a discount). YNAB is a household subscription, so the student trial can be applied for anyone in the home (we send a link and when you click on it the trial is applied to the account that you're logged into)! Using the latest version of YNAB 4, select “Migrate to the new YNAB” from the File menu. Except all that debt and stress? If I buy YNAB 4, am I buying a version that requires a subscription? I do not talk about price even, monthly subscription price versus old lifetime license which I paid for all platforms - iOS, OSX and Windows. We give a 10 percent lifetime discount off an annual subscription to all existing customers. YNAB started out as a "fancy spreadsheet" as they mention in their origin story. If you’re interested, write into [email protected] with proof of enrollment—think student ID card, transcript or tuition statement (but anything that shows you are currently enrolled and includes your name, your school, and the date will do). Many of us are big fans of You Need a Budget and around New Year we tend to get an influx of new starters as people decide to take control of their finances - very sensible. I paid monthly subscription to make intense tests and to migrate myself to cloud version. So I bought YNAB a while ago for a lifetime subscription of around 100$. YNAB Review 2020 – Yes, You Need A Budget! CountAbout. YNAB also offers a 34-day free trial, so you can try before you buy. In 2013 it was the most popular personal finance software among Lifehacker readers. I too had the "lifetime" YNAB subscription. Will I be forced to subscribe now or in the future? A discussion subreddit for popular budgeting software You Need A Budget. purchase a subscription. If you sign up for the new YNAB with the same email address you used to purchase YNAB 4, you’ll automatically lock in the discount. At any point, if you don’t feel like you have more control of your money with YNAB, we’ll give you a full refund. Go with the new software, you won't regret it. Long story short, you got exactly what you bought. We’re making YNAB subscriptions free for you to distribute to those you serve, along with our always-free live workshops, educational content, video resources, and personalized support. They do offer a no-risk, 100% money back guarantee if … Yep. You don't get the new deluxe glazed donut with sprinkles on them for free because your subscription was for the original plain glazed donut. Great idea to “replicated the functionality”. If you subscribed directly through YNAB, changes to your subscription can be made in your Account Settings in the web app. At any point after subscribing, if you don’t feel like you have more control of your money with YNAB, we’ll give you a full refund on your most recent subscription charge. On average, new users save $600 in the first two months, and more than $6,000 in the first year. Feel free to post any news, questions, budget strategies, tips & tricks and advice related to YNAB. Sounds like it has great features! We offer all college students YNAB free for 12-months (in addition to the free 34-day trial). Because you spend 100% of the dollars you don’t budget. The latest version of YNAB is available to existing customers as an upgrade with a 10% discount. How do I move my YNAB 4 budget to the new YNAB? If I upgrade, is there a discount for existing users? It’s almost impossible not to fall in love with the budgeting tool called You Need A Budget, or YNAB for short. Thanks! 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