[ajdude]

I used YNAB since back when they used to just sell the software and maintained a subscription for a little while. I will say that their approach to budgeting has changed the entire way of how I look at money, and even though I have switched to GNU Cash, I have essentially replicated the envelope method there (it requires four entries per transaction instead of the standard two).

For anyone who wants to use this envelope method without paying for YNAB, I recommend checking out Buckets, which is another software that works similarly.

[ixwt]

I've been using YNAB 4 (aka YNAB Classic on Android) for some time. I got a new phone, and the phone app finally won't run on the new phone. YNAB 4 is also quite buggy on my Arch based setup (someone maintains a package on AUR using Wine). So I think it's finally time to move on, which I think I'm doing this year.

My only issue with Buckets is that the YNAB importer doesn't take into account that YNAB will take your overspending and take it from your next month's income. I have some bad habits that means I was really using YNAB as more of a financial tracker than an actually budget system. That's my own fault though. The envelope in question comes out to $-10k... That's all my own fault though. It just means I have to massage it into Bucket's system, or start a new budget.

[huhkerrf]

I assume Buckets does that because YNAB no longer allows you to take from next month.

[spiffytech]

I switched from YNAB to Actual Budget. It's FOSS, and has nifty power user features like a DSL for distributing monthly funds and cleaning up extra at the end of the month.