Comments on: Overhauling My Relationship With Money

By: Kelly

Kelly — Fri, 28 May 2021 19:19:48 +0000

In reply to Kara. Digital envelopes is such a great description of it!!

By: Kelly

Kelly — Fri, 28 May 2021 19:19:23 +0000

In reply to Nancy. Hi Nancy! I have, I tried Mint several years ago and it didn't work for me. I felt very similarly to Morgan about it!

By: Kelly

Kelly — Fri, 28 May 2021 19:18:13 +0000

In reply to Lucy. It does! But I believe you can only auto-important your accounts if the financial institution is in the US/Canada so you would have to manually import your transactions!

By: Kara

Kara — Fri, 28 May 2021 13:46:43 +0000

In reply to Nancy. I had the same problem with Mint, It's really hard to change your spending habits or stick to a firm go al of how much you're going to spend for a given category with the way mint operates, why knob is like digital envelopes. You can only allocate money that you actually have, and that's the only amount you get to spend for that category unless you move the money from somewhere else

By: Nancy

Nancy — Fri, 28 May 2021 12:11:31 +0000

In reply to Morgan. Oh wow! This is what I came to the comments section to ask. I used Mint on and off. I always found it discouraging after awhile. Definitely going to try YNAB now. Thanks Morgan ! Kelly, have you ever tried Mint and had similar experiences?

By: Lucy

Lucy — Thu, 27 May 2021 23:06:19 +0000

I’m also number 4 in enneagram and a cancer, no wonder why I’ve always felt connected to you! <3

Do you know if the app works out of the USA?

By: Morgan

Morgan — Thu, 27 May 2021 22:02:09 +0000

I adore YNAB! A coworker introduced me to it in my early 20s. As someone who inherited anxiety around money, it was revolutionary. I was a Mint user before YNAB and it’s like night and day—Mint was like a money autopsy (welp it’s gone let’s see what happened to it), while YNAB was like a doctor’s checkup to keep my money healthy. I have since introduced my now husband to it and we take time about once a month to recap and plan for the future. It’s so much fun to do together (planning vacations!! Dinner date funds! How much do we want to spend on a new couch!!!). So glad you found it and I hope it helps you and your husband.

By: Kelly

Kelly — Thu, 27 May 2021 17:38:06 +0000

In reply to Karen. Wow that's incredible!! Taking notes for Arlo, haha!!

By: Karen

Karen — Thu, 27 May 2021 12:02:41 +0000

My mom taught me to have my own bank account, always pay off my credit card bill (each month), and put money towards a retirement account (each month). These credit card and retirement line items are essentially “bills” to me – they have to happen. Now at age 43, I have no credit card debt (never have), and one of my retirement accounts, which I’ve had since my first job, is very cushy (and has another 15 years ahead of growth).