Inspired by a comment on my last post.
I feel like I never have a solution that allows me to control it while also being automated to such a degree that I don’t have a huge confusing backup if I don’t do finances for days or weeks.
Inspired by a comment on my last post.
I feel like I never have a solution that allows me to control it while also being automated to such a degree that I don’t have a huge confusing backup if I don’t do finances for days or weeks.
I use Actual. How it works is very similar to YNAB (you budget the money you currently have) but it’s open source and privacy focused. I started using it a few months ago and I really like it so far!
I love Actual. So, so good. I cancelled YNAB in favor and can’t ever think of going back. Aside from not having to pay $100 a year you’re also not supporting the Mormon Church (YNAB is a Mormon-run company).
Do you just use a limit set of YNAB features? It seems like Actual only has a tiny fraction of the features YNAB has. For example, it’s currently missing category targets.
It’s like YNAB4. For those of us in that vintage it’s perfect. If you’re using the newer YNAB it might have missing features.
Category targets are available and are more flexible than YNAB, but it’s still in an experimental phase so it’s not fully integrated into the GUI. Check here: https://actualbudget.org/docs/experimental/goal-templates/ I’ve had zero problems so far though.