There’s a fairly good probability you’ve learn rave evaluations about YNAB. Maybe you’ve a good friend who brings it up each time cash is talked about. Possibly you’ve found our subreddit, which has roughly as many members as all the inhabitants of Salt Lake Metropolis—and we don’t even run it! Or you might have heard that greater than 14 customers obtained personalised YNAB license plates for his or her automobiles and one couple included us of their marriage ceremony vows—and, no, we didn’t ask anybody to do any of that! So, it is smart in case you’ve discovered your self questioning what the entire fuss is about and asking, “Is YNAB price it?”
We get it. We all know all too effectively that the majority monetary apps don’t include a cult-like following, however as Adrienne So, a senior commerce editor for WIRED, so completely put it: “YNAB isn’t only a software for cash administration. It’s a software for self-actualization. Who do you wish to be, and the way can the cash you earn assist you get there?”
YNAB prices $109 USD per yr, or roughly 30 cents a day. “However why would I pay cash after I’m making an attempt to economize?” may be what you ask subsequent. And I’m so glad, as a result of it brings us proper again to your query about why our customers are so, effectively, bizarre about us (in such a cool manner!)
It’s true that our software program makes it simpler to handle your funds, however essentially the most vital, soul-sparking promoting level is how the YNAB Methodology adjustments the best way you suppose about cash, and the way altering the best way you concentrate on cash adjustments your complete life.
It’s a very large deal (thus the license plates and marriage ceremony vows.)
So, anyway, we all know you would possibly nonetheless have some questions on why YNAB is price it and that’s why we surveyed 1000’s of YNAB customers that can assist you discover some solutions. Actual numbers may be simply what you’ll want to clear up this thriller for your self as soon as and for all.
So let’s dive into what practically 9,000 YNABers need to say.
Spending with confidence (and with out guilt)
However we’re not simply speaking about saving cash for its personal sake. We save so we are able to spend that cash on the issues that actually matter to us. Considered one of YNAB’s core ideas is spendfulness—creating alignment between the way you spend cash and the life you wish to stay.
As an alternative of second-guessing each buy, YNABers spend with confidence and readability:
- 78% of customers say they’ll spend with out feeling responsible.
- 89% of customers say their spending aligns with their values and priorities.
- 1 in 4 YNABers have paid for a automobile in money since utilizing YNAB.
- 1 in 4 customers have turn out to be first-time householders.
- 90% test YNAB earlier than making a spending determination—moderately than their checking account.
These outcomes show that YNAB doesn’t simply assist you spend much less—it helps you spend effectively. It helps you spend in a manner that truly improves your life by including intention and consciousness so you possibly can ditch guilt, stress, and second-guessing.
Debt payoff that’s really sustainable
If getting out of debt is one in all your targets, YNAB has been a game-changer for 1000’s:
- 74% of YNAB customers have paid off debt.
- Amongst those that have, the common quantity paid off is $27,744.
- The commonest kinds of debt paid off? Bank cards (56%), auto loans (45%), and scholar loans (38%).
With YNAB, debt payoff isn’t only a dream—it’s a actuality that 1000’s have achieved by giving their {dollars} a job and prioritizing what issues most. Possibly you’ve tried paying off debt previously however it simply didn’t stick. YNAB will assist you repay debt sustainably whereas completely breaking your reliance on debt. Plus, you’ll be extra motivated to go after this purpose than ever, since you’ll know the freed-up cashflow will go towards issues that truly matter to you.
Extra peace, extra optimism, extra freedom
I’ve shared some numbers with you on how a lot cash YNABers have saved and the way a lot debt they’ve paid off utilizing this life-changing methodology and app. However I need you to know that YNAB is about a lot greater than saving cash. It’s about changing into extra of the particular person you wish to be, spending extra on the belongings you love, and silencing, as soon as and for all, the fixed, pernicious uncertainty that makes you second-guess each buy.
You’re second-guessing whether or not to spend cash on YNAB proper now, however in case you give it a attempt, you’ll discover that is the final buy you ever need to second-guess once more. The numbers are staggering:
- 92% of customers really feel much less stress since utilizing YNAB.
- 92% say their funds are in a higher place.
- 91% say YNAB has modified the best way they give thought to cash for the higher.
- 99% of YNAB customers pay their payments on time (that’s virtually all of them), with 69% paying payments on auto-pay.
- 89% really feel extra snug speaking about cash.
- YNABers are 5 occasions extra optimistic about their monetary future than earlier than they used YNAB.
Even higher? The advantages transcend simply numbers—customers report higher sleep, diminished relationship battle, and a clearer sense of management over their monetary future. You may’t afford not to attempt it!
So, is YNAB price it?
Sure, in fact it’s price it! YNAB customers save 1000’s, repay debt, obtain life targets, and achieve a way of monetary peace that’s laborious to place a worth on. Studying YNAB could take just a little effort—however the outcomes present that those that keep it up expertise an entire shift in not solely how they plan their spending, but in addition how they stay their lives.
It’s laborious to place a worth on internal peace, however 30 cents a day looks like an amazing deal.
Nonetheless questioning if YNAB is for you? Attempt it at no cost for 34 days and see for your self. If the info is any indication, you gained’t remorse it.
