The tab contains financial videos, blogs, audio, and a manual for using the app. Unlike many budgeting apps that hide sponsored credit offers in the help tab, YNAB actually offers…well…help. The help section is where the app shines. It’s ideal for people that want the bigger picture in a quick and easy format. It features a pretty solid line graph and automatically shows your income vs. Reports is where you’ll check your spending over time. It features all the same options as debits. Which, honestly, is just YNAB’s way of saying deposits. At the top of the transactions tab is a button labeled Inflow. You can also add a priority tag to an important transaction. This is primarily used for people who prefer manually importing data while making it as specific as possible. For example, if you pay $100 to fill up your gas tank and put half on credit and half on debit, the app will reflect it. The app lets you split transaction amounts between accounts too. The transactions tab lets you add your spending and categorize, add the payee, and which account it came from. You can also add loan accounts, including mortgage or medical debt. Each account can have its own category in YNAB. To delete an account, tap, hit edit, and then tap close account at the button. You’ll need to complete extra verification to import from online banking. There’s seemingly no limit to how many accounts you can add. The accounts tab lets you import your account directly from online banking. The only real value, in my opinion, of the auto-assign, is for those of us that just want to dive into budgeting. So if the average water bill is $120, then that’s what the app will input. (which would give you the most accurate budget.) Or you can click auto-assign, and the app will budget based on an average. For example, if your water bill is $95, you’ll input that amount. You can manually assign each bill its specific value. At the top of the page are the accounts that cover your bills. Some of these expenses include rent, food, maintenance, goals, hobbies, health, and more. Each section represents a common expense. The budget screen is automatically split into 17 sections. Once you fully log in, you’ll find the YNAB is split into five screens. That means you don’t have to worry about being unable to cancel in time because the vendor has conveniently chosen not to respond. You can cancel the subscription from your play or app store. The app starts with a free trial with an automatic subscription if it’s not canceled in time. You can log in with social media as well. The YNAB mobile app takes maybe a minute to download and requires profile creation. It’s designed chiefly for month-to-month budgeting with long-term graphs and comparisons. The app definitely cements them as finance experts. Plus, they have videos for budgeters of any age. Their videos are quick, informative, and pretty well-produced. You Need A Budget originally started a YouTube channel centered around, you guessed it, budgeting. I voted YNAB the best of the best budgeting apps after all of my research. In short, I definitely recommend YNAB for experienced budgeters and those looking to manage their finances better. Considering how much an accurate budget can save a person, $14.00 isn’t a steep ask. The most expensive version of the app is only $14.00 a month. While I never fully subscribed to the app, it’s one of the few that I would. You should know that it has a free trial option too. And its biggest pro is unique to the app. While I’ll cover the exact pros and cons later in this article, rest assured that it has far more pros than cons. YNAB is a pretty comprehensive app with many essential budgeting tools for college students. Quick Summary of My Opinion and Recommendation Clear some space on your phone, collect your bills, and let’s dive into an in-depth review of the You Need A Budget app. Today, we’re covering the You Need A Budget or YNAB app. Thankfully, I’ve personally reviewed more than a few budgeting apps and know precisely what to look for and how they benefit you. As a college student, you might not have the time or energy to try multiple apps constantly. Not all of them are free, and not all of them are effective. But the market is flooded with dozens and dozens of apps. In a world of digital wallets, crypto-cash, and online investing, mobile budgeting apps are practically essential.
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