It has finally happened - YNAB has gone on sale for 75% off making it US$15 once again.
Last time it was at this price was January 3rd, 2014. Instabuy for anyone wanting to get their financials in order - supports OFX export from virtually all major banks.
Update: Now on sale until 5pm instead of 3am.
Love YNAB, use it all the time. Still broke though :(
Probably because you keep buying things you don't need…. Like a glorified spreadsheet, just saying
I think the rule is
1> Use/stick to a budget that you make (whatever method/app you use)
2> Don't check out Ozbargain posts/site (Sorry Ozbargain)
3> Don't play pc games (Steam/HumbleBumble/Indiegala/etc)
4> Don't buy "CRAP" you don't need at a price you can afford from COTD (I admit I fail here), your just making those bastards rich.
5> Attend a impulse buyers Anonymous group
6> Collect underwear
7> ?
8> = PROFIT
Or something like that
I disagree on the pc games assuming you actually play the games you buy and don't go nuts on a pc.
They are incredible hours of entertainment : cost ratio.
My friends who have the most money are people who spend the majority of their time at home playing games instead of going out (which cost a lot more).
Logged in to +1. When ever I stop playing games is when I start spending money.
I agree with you. But I think (maybe) what he meant was 'don't buy PC games just because they're on sale. I'm guilty of this e.g. buying a game on Steam because it's 90% off and then not having time to play it. But PC games are a ggod deal if you just buy what you actually are going to play instead don't go out spending $150 in one night drinking.
Just start playing Dota 2, or TF2 or something. Several thousand hours and I haven't spent a cent on it. (minus the massive amounts of lost productivity)
Yeah that's why I said assuming you actually play the games you buy.
But even if you don't play the majority of games you buy, if you buy from steam sales games for like $5-$10 a pop, even if you buy 10x $15 and only play one of them (presumably for more than one night), you're already up from not spending $150 on a nights drinking :p
Lol, I'm the other way around… I've spent around $50 on useless vanity stuff but I'm still below 50 matches.
But at least the vanity stuff holds their value for the most part. The arcana actually has gone up in price compared to what I paid for it. Hopefully they don't decide to put arcana in the daily deals.
I know this post is now old, but I should have said that I'm also guilty of hoarding PC games from sales (Humble & steam) as I have around 60 games on steam and only had a chance to play/complete a few, less than 10,lol.
So I do agree with what nat said and it's a solid point.
Maybe if I/we did spend more time playing our many steam games that are yet to be played, I'll/we'll spend less time here and save more money,lol
cheers
Lol I'm absolutely convinced that the majority of people who have steam are hoarders from sales and people that play all their games are the minority :p
Who can turn down a triple a title for <$5 and good indy games for <$1 seriously? That's not even count bundles where you get a ton of games for a few bucks.
@natsumezoku: i think it's a minority. :)
i only buy what i want to play (regardless of steam sales), but there are times like the eidos collection which is a good deal to get a few games cheap….. but knowing i wouldn't stand the VGA resolution of the earlier games.
Fantastic! Been waiting for this for a while, but too cheap to pay $60!
Sweet. Thank you OP. I've came across some Stream credit recently too. https://www.ozbargain.com.au/node/175907
I bought this ages ago during a sale but just haven't gotten into it. Just seems a bit too much? Do any users have any cool tips for making YNAB work for them?
If you're a student, you can get it for free: http://www.youneedabudget.com/blog/2014/ynab-is-now-free-for…
Damn it, I bought it when I could have gotten it for free.
Oh well
I initially felt the same, but when looking into the details of the free YNAB for students its pretty clear its a year-by-year special license, so the year you stop education is the year you lose YNAB; hence i was happy to pay the fee to own it for good.
Yeah, also, I would've probably bought it if it was good.
Useless if you have a gf because always broke.
Man, seriously. Try having a wife. Its like game over dude, she's going to turn your pockets inside out forever and a day, and probably make life feel like one giant wedgie too.
Thanks… could have used this before I moved house, xmas, and bought a car this month… baked beans and noodles looking good till next pay check LOL
Edit: so I bought the thing, but can't see it in steam… wtf is it?
Your library holds purchases that are in other categories than just games.
When you go to your library, you can select from games, software and music(soundtracks).
YNAB is most likely in your software folder.
Thanks, found it :)
What is a pay check?
It's an American misspelling of pay cheque.
What about oats? You could halve your food bill.
Thanks for posting. I'm sure it's a good program but people may wish to consider these FREE alternatives as well:
Grisbi, originally developed for LINUX (I think) but also available for MAC and Windows:
Grisbi is a personal accounting program. Grisbi can handle multiple accounts, currencies (NOTE: one of the whinges about YNAB is that it doesn't do multiple currencies—possibly because it's American and Americans tend to be a touch insular ;-) and users. It helps you manage your money using third party, expenditure and receipt categories, as well as budgetary lines, financial years, and other information that makes it adapted for both personal and associative accounting.
Grisbi can import accounts from QIF, OFX and Gnucash files. It can print reports using LaTeX or export them via HTML.
http://www.grisbi.org/
Gnucash, also originally a LINUX only program it's now available for Windows and MAC as well, provides accounting functions suitable for use by small businesses and individuals. It can track finances in multiple accounts, keeping running and reconciled balances. There is support for customer, vendor and employee processing. It has an X based graphical user interface, double entry, a hierarchy of accounts, expense accounts (categories), and can import Quicken QIF files and OFX files.
http://www.gnucash.org/
I'm sure there are other progams as well. I've mentioned these two because they've been around for the longest (especially GNUcash). My general impression is that Grisibi is probably better suited for an individual whilst some of Gnucash's features might be overkill for say a student or single person but, hey, they're free so why not try them both out.
MS Money used to be my savior to predict my money, but they went and closed it. There's a new free site at www.accufinance.com which seems to try do the same thing - pretty well. Some banks also seem to have budgeting tools, but they're just grabbing your info I think, so I stay clear of them. Haven't tried YNAB while there's free alternatives.
thanks for posting purchased
You beauty. I only added this software to my isthereanydeal watchlist last night. I missed out last year. If it wasn't for this post I probably not have seen my email notification until the morning. Cheers
Just bought it, price ends 13 hours from now…
Thanks, updated.
Just had a quick look.
https://www.moneysmart.gov.au/tools-and-resources/calculator… is more detailed.
If you still can't work a spreadsheet, even though it's 2015, then YNAB could be worth it.
Didn't need it. Got more powerful spreadsheets but bought it anyway. One thing you cant do well with spreadsheets is easy management from mobiles.
Yay now everyone has a budget on there Steam blacklist now.
Signed up just to comment on this. Sure you could use a spreadsheet to manage your budget, but half the battle with managing a budget is tracking what you spend. The (free) mobile app is what makes this a brilliant solution (for me anyway). I usually just import transactions from my bank into the desktop app once a week, and use the mobile app to track what I spend with cash.
Although I haven't used it (yet), another interesting alternative I discovered a while ago is Toshl Finance.
I think YNAB is excellent - I only use it as a spreadsheet to keep track of what I've spent - the mobile app solves my issue of constantly forgetting to record purchases, because I can do it instantly on the spot.
![[Steam Winter Sale] You Need A Budget 4 - US $15 (75% off) - Expires 5pm AEDST 1/1/2015](https://files.ozbargain.com.au/n/29/177329.jpg?h=e7dc72c1)
I don't even use the budgeting features - it's just a glorified spreadsheet for me. But still worth the $15 for myself. Got it cheaper than that though thanks to glorious TF2 hat profits.