rcmnd

You Need a Budget (YNAB)Software

by YNAB

Who uses, recommends or left You Need a Budget (YNAB), in their own words: each a verbatim quote with a link to where it was said.

1 person

Mr. Money Mustache
Pen name of the Canadian-American writer behind mrmoneymustache.com, a long-running blog on frugality, early retirement and index-fund investing.
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You Need a Budget (YNAB) is a simple to use (but sophisticated under the hood) bit of budgeting software that uses the principles of human habits and behavioral finance to make you more conscious and efficient in your spending.

The standing “MMM Recommends” page, where he lists the stores and services he says he actually uses. The page carries an Affiliate Note: where a listed company offers commissions he uses a referral link, so entries from it are labelled affiliate. Dated from the page's own article:modified_time (2025-02-12); it was first published 2012-02-27 and is updated in place.

2025-02-12·mrmoneymustache.com ↗

Every entry is a verbatim quote and a link to the public post it came from. Nothing is paraphrased. If it is not on record somewhere public, it is not here.

The verdict is what they actually said: loved and liked are explicit; recommended means they told others to get it; uses means they only say they use it; read is a book on their public shelf with no verdict; mixed and disliked are kept too.

A dashed affiliate link, sponsored or their own label means the post disclosed a relationship. It is shown, never hidden.

The shading behind a date shows how dated a recommendation is for its kind of thing.

The shading behind a date shows how dated a recommendation is, for its kind of thing. Fully green is recent. It drains a quarter at a time as the post gets older, and is empty once it reads as dated.

What counts as old depends on the thing. A laptop praised four years ago has been replaced twice; a book loved twenty years ago is probably still loved. The shading is gone after about:

Stripes mean the post carries no date and the date shown is an estimate. No date at all, no shading.