I'm thinking about giving #ynab another try after a few years away.

For those in Europe: how reliable is bank sync these days? And how important is the mobile app in your daily use?

I'd also love to hear from anyone using #actualbudget or other alternatives. What made you choose them, and would you make the same choice again?

#budget #budgets #budgeting #personalfinance #moneytips #money

I'm trapped with a SaaS (#YNAB) that has unburdened me from so much, giving me mental and financial bandwidth to focus on critical life things along with my interests.

However, the latest business direction (firing the people who built the following, price gouging user base), is wrong.

Still, to go back to spreadsheets, or the overhead of maintaining alternative solutions (#actualbudget), is daunting.

#capitalism and #enshittification is relentless.

I'm really impressed with #ActualBudget - it's very fast. I'm using the desktop app without a server so that is to be expected I guess, but wow!

I also like the reports better. You can even make multiple dashboards. I'm not sure why I'd need that but kind of cool.

There are a few quirks which I'm dealing with but that seems to be a result of the import, so I'm considering starting fresh.

I decided to take a look at #ActualBudget today to plan my migration from YNAB and the process was so easy and straightforward that I was done in less than an hour.

I run it in desktop mode as I don’t need a mobile client or bank integration. All transactions are entered by me by hand which takes a few minutes every day and offers real peace of mind.

Here is a follow-up to my post about switching from YNAB to Actual Budget

I’ve now created a guide for Actual Budget on Uberspace, and the @ubernauten team was kind enough to publish it in their Lab.

https://u8lab.uberspace.de/guide_actual/

The guide shows how easy it is to run Actual Budget on Uberspace (including simple updates)

#did #actualbudget #ynab #enshitification #budget

I was a long-time fan of YNAB and the envelope method, but the app has unfortunately become much worse. Instead of real features, there were questionable design changes that disrupt the user flow – all while prices are rising.

Luckily, I discovered Actual Budget on Digital Independence Day. It is open-source, supports the envelope method, and can be used offline or self-hosted. Unlike YNAB, the community provides features that actually help, such as templates, rules, and notes for all categories.

I am now hosting it with @ubernauten. Instead of paying an expensive subscription for a worse user experience, I prefer to donate the money directly to the developers of Actual Budget while supporting a local hoster.

#did #actualbudget #ynab #enshitification #budget