dominik4d ago

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

Show threadDennisMar 8

Ok, so now I can actually use Actual Budget.

So far:

* Keyboard shortcuts, but not for reconciling, which is the one shortcut I use all the time.
* No budget targets/goals, although YNAB's implementation is so strange I'm not even sure that's a bad thing.
* No differentiation between account types, other than on budget or off budget. Don't think I care.
* No budget categories for credit card payments, which I think I prefer.
* Seems to have more interesting/flexible reporting, including report dashboards you can set up.
* Seems like it will pick up on reoccuring transactions, which is something I liked in Lunch Money but YNAB does not have.
* No mobile app. You can save to homescreen which kind of works offline, but only if you're launching it on the local network frequently. Otherwise things get out of sync.

#Homelab #SelfHosted #ActualBudget #YNAB #PersonalFinance

BenFeb 25
Spent the evening balancing the books in #ActualBudget – which, yes, is depressingly middle-aged, but it's so satisfying to have some (partly illusory) control over money going out, and I love that I'm not giving #YNAB twenty quid a month to do it.

#FOSS is amazo.
_bdkl@Feb 1

Recently, I've been debating on using #ActualBudget or #hledger / #ledger, coming from #ynab

My brain has even tried to convince me to do it in #emacs (so of course I enabled that in my init.el)

Andreas G.Jan 19

Wechsel vollzogen: YNAB ➡️ Actual Budget.

Nach Jahren bei YNAB bin ich auf Actual Budget umgestiegen. Das Ganze läuft bei mir in einem Podman-Container.

Besonders genial: Der komplette YNAB-Verlauf ließ sich problemlos importieren. Jetzt stehen nur noch ein paar kleine Nacharbeiten an, aber mein erster Eindruck ist top. Endlich die volle Kontrolle über die eigenen Finanzdaten! 💸

https://actualbudget.org

#ActualBudget #YNAB #SelfHosted #Podman #Didit

Your Finances — made simple | Actual Budget

Actual Budget is a super fast and privacy-focused app for managing your finances. At its heart is the well proven and much loved Envelope Budgeting methodology.

DaveJan 9

Danke für den Reminder, dass ihr abbuchen wollt, #ynab

Subscription cancelled, jetzt läuft auf dem Rechner ein Actual Budget und wenn ich arg motiviert bin bau ich davon noch ne Serverlösung ins Heimnetz.

#Budget #DIDay #DUTGemacht

Show threadrolasJan 3
@markusr wie sind die Bedienkonzepte in #Actualbudget im Vergleich zu #YNAB? Ich nutze zweiteres schon sehr lange und habe meine Workflows, die ich blind runter spule. Ich schätze aber im Sinne von #DiDay, #unplugtrump und #unplugbigtech sollte ich mir das auch mal ansehen.
Markus 👨‍💻Jan 3
Dann springe ich auch Mal auf den #DiDay-Trend auf: Heute habe ich #YNAB durch https://actualbudget.org ersetzt. Das kann budgeting im Browser. Anders als YNAB ist #Actualbudget selfhosted und kann optional E2E-Encryption.
Your Finances — made simple | Actual Budget

Actual Budget is a super fast and privacy-focused app for managing your finances. At its heart is the well proven and much loved Envelope Budgeting methodology.

Joseph DicksonDec 19
I enjoy the #YNAB approach to budgeting and will subscribe to the app next year. But, You Need a Budget doesn't need software, paper and pencil will do.
https://joseph-dickson.com/now/ynab-on-paper/
𝒜𝓁𝒾⋆ ♡⃛Dec 2

Deep video
I could only think of one portal

https://youtu.be/5RzoPFFUZZY?si=xrYEQKB2wIyXrQHs

#ynab #life #money

I Made the Wrong Financial Decision (And I'm Glad I Did)

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