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Why A Trustworthy Mint Person Switched to YNAB


Nov 9, 2023


I used to be a long-time Mint fanatic. Mint saved me from the cash woes of Quicken nearly a decade in the past. It was my trusty good friend as my husband and I paid off our mortgage in lower than 2 years. It helped me regulate shortly to the monetary realities of shifting to a really costly metropolis.

However one thing occurred alongside the best way from paying off our mortgage to at the moment: Mint allowed me to take a look at somewhat bit. It might solely require a couple of expense re-categorizations right here and there. It was taking on all the administration work for me in order that I wouldn’t need to. Wonderful proper? Possibly not.

Lately, we’ve a lot greater, extra long-term objectives, like early monetary independence, and because of this, we’ve grow to be somewhat extra lax in protecting a strict spending plan. It’s grow to be very straightforward to let the cash we’d usually put aside for the long-term get eaten up, actually, in eating places. We weren’t making progress as quick as I’d like.

Three months in the past, a number of completely different mates requested my opinion of YNAB throughout the span of every week and I noticed I didn’t have one. Slightly little bit of analysis revealed there’s a extremely devoted following so I made a decision to present it a strive. After only one month, I may see how rather more conscious I used to be of my spending with YNAB than I had been with Mint and I pitched the thought of creating a change to my husband.

It’s been three months whole now, and we each love YNAB! Right here’s what the change made us understand concerning the significance of consciousness:

We Turned Extra Conscious of Our Spending

For us, Mint was monetary AI gone overboard. It was taking the monetary ache out of our transactions, particularly since we’re principally cashless. The entire automated processes had been making us LESS conscious of our spending, despite the fact that I used to be it no less than a few instances every week. I can solely think about how this impacts individuals who take a look at Mint as soon as every week or as soon as a month.

With YNAB, manually assigning our bills to our classes means we see the influence of our spending in close to actual time. That has been enormous for us and we’ve saved our spending to inside our deliberate quantity each month.  I had additionally forgotten how good it’s to categorize our earnings every month!

“YNAB improves marriages! Who else can say that about their cash administration app?”

We Began Saving Extra

With Mint, we weren’t being diligent about our financial savings objectives. Mint has a financial savings objectives function that I’ve used efficiently up to now, however it doesn’t power you to truly transfer cash every month.

Downside solved with YNAB.  All of our earnings and bills move by a single checking account which signifies that any cash we save wants to return out of that account. With the financial savings objectives I’ve arrange, I’ve to maneuver cash out every month in an effort to preserve these balances at zero. The design of YNAB jogs my memory to try this, and I’m very glad after I make these transactions.

YNAB Improved Our Marriage

I’m the monetary nerd in my marriage. I like managing the cash and was glad to be the one to maintain up with Mint.

Nevertheless, my husband didn’t actually need to test on our cash till the top of the month once we had our planning assembly or when he needed to spend out of his “enjoyable cash” class. Now he’s rather more in tune with our spending as he information any transactions he makes. I don’t need to be the one to at all times say “it’s not within the plan” as a result of he’s extra conscious of our spending now. YNAB improves marriages! Who else can say that about their cash administration app?

Consciousness is All the things

YNAB confirmed us how essential consciousness nonetheless, despite the fact that we’re properly past paycheck-to-paycheck residing. It was humbling to know we’ve sort of been doing it incorrect for the previous few years, or that we may no less than have been doing it higher. I’m trying ahead to creating extra progress this yr and getting a lot nearer to our dream of economic independence.

In search of a brand new cash administration app with the sunsetting of Mint? Make the change to YNAB!


Lindsey Stringer is a millennial on the trail to early monetary independence. She and her husband paid off their mortgage in simply 19 months which ceaselessly altered the trajectory of their monetary lives.This story initially ran in February of 2016.


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