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Credit Card Topic - Best Budget software?

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mountainmom
Frequent Contributor

Re: Credit Card Topic - Best Budget software?

I LOVE YNAB. I'm well known for being a spreadsheet junkie. But with so many cards it was very difficult to keep track of everything and really track my spending. YNAB is perfect! Been using it for 3 months now and love knowing exactly where my money goes, see the progress on my debt pay down, and reconcile all my accounts in one place. The app makes it great esp for people that share accounts.
I do have mint just to be able to get a quick overview of my accounts. . And figure out where a transaction belongs when hubby enters it in the wrong account! Lol
but YNAB is soooo much better at the budget stuff than mint


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Message 11 of 14
joltdude
Senior Contributor

Re: Credit Card Topic - Best Budget software?

Ynab is nice but too much time entering data.  thinking of trying Mint with Ynab to try to make it a bit more quicker.  you enter all your transactions manually with Ynab and it's 60$ us

Message 12 of 14
mountainmom
Frequent Contributor

Re: Credit Card Topic - Best Budget software?

Manual entry was a big turn off for me too for a long time but trying to fix everything in mint and I really couldn't keep track worth pending vs cleared etc. So I gave in and tried ynab on the trial and I felt so much more in control. Some sites do run sales and I got mine for 30. You can also use a referral code and get it for 54 worse case scenario.
I really liked the free classes they offer and the forum is fantastic.


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Message 13 of 14
LifeSAVERS
Regular Contributor

Re: Credit Card Topic - Best Budget software?

QuickBooks has a budget built into their software.  This works well if you keep your accounting in the program, even minimal of checking/savings/investment info.  I use QuickBooks for all of my clients accounting, have for 19 years now.  You can easily load your estimated or actual activity from previous year into the budget form.  Than as you enter your actual check register/banking activity you can easily run budget to actual reports with a few clicks.  Save the report formats you like as memorized with "year-to-date" filtering and you just need to one click the memorized report.  Also, their budget system allows you to set up next years budgets with manual entry of numbers, or just tell it to take last years actual for this year's budget..pretty slick!

 

QuickBooks for Mac was always behind a few versions of the PC, but they have pretty much caught up.  You can buy older versions of QuickBooks, but for Mac I would only buy the most recent.  Costco rolls out the new version in stores at this time each year.  You would want to make sure you pick up 2015 and not 2014.  If you are not running a business with employees and want to "class" track sales, than you can pick up their Basic (not Pro) version.  You could also check the online version.  I prefer to have control over the actual CD/Box.

 

Quicken use to be the software of choice for those with investments (tracking, rather than summary from investment monthly/quarterly statements), as the software provided input and tracking, which QuickBooks did not.  However, you can summarize your transactions into QuickBooks from your investmenet statements.

 

You can check online with Intuit (the provider of QB) and look at the versions and comparison charts.

Message 14 of 14
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