It takes time to get used to, but after 6 years on and off, I am using it for the last 8 months regularly, and I already saved enough money for the next 4 months in advance.
But, of course, what these two have in common, is simply:
1. Spend much less than you earn
2. Try to just spend 30-40% of your income, but an emergency fund which stores 6 month worth of money, and then invest the saved money.
What I recommend, is a little game:
1. Don't eat out for a whole month
2. Don't do any big purchases for a whole month
You will see how much many you usually spend, and how your mind is triggering you to buy things. It will be really hard, so instead of thinking about "oh no, I shouldn't buy this", just write a note on a piece of paper everytime you want to buy something.
At the end of the month, you will see how "stupid" you were to want a certain things. If a certain things come up on this list over and over, then maybe it could be useful.
YNAB is good if it's just you or you're the sole manager of your account, but multi-user is hard to maintain, spent more time fixing syncing issues etc. I also don't like things that claim to solve money problems by asking you for money
Well, they don't solve your money problems, nobody can do this :) They offer you a really good service, which of course they want money for. But I think its around 2,50 Dollar a month? I already saved up to 15k in the last few months, so they can have their 2,50 ;)
Unfortunately, they're going the web route for obvious reasons; but for me, I'm holding on to the desktop version as long as it can run on a Mac, which I hope will be a long time. I've backed up the installation file and my license.
It takes time to get used to, but after 6 years on and off, I am using it for the last 8 months regularly, and I already saved enough money for the next 4 months in advance.
This, and in addition, read https://www.amazon.com/Early-Retirement-Extreme-philosophica...
You don't need more, trust me.
But, of course, what these two have in common, is simply:
1. Spend much less than you earn 2. Try to just spend 30-40% of your income, but an emergency fund which stores 6 month worth of money, and then invest the saved money.
What I recommend, is a little game: 1. Don't eat out for a whole month 2. Don't do any big purchases for a whole month
You will see how much many you usually spend, and how your mind is triggering you to buy things. It will be really hard, so instead of thinking about "oh no, I shouldn't buy this", just write a note on a piece of paper everytime you want to buy something.
At the end of the month, you will see how "stupid" you were to want a certain things. If a certain things come up on this list over and over, then maybe it could be useful.