There’s a reasonably good likelihood you’ve learn rave opinions about YNAB. Maybe you have got a good friend who brings it up each time cash is talked about. Perhaps you’ve found our subreddit, which has roughly as many members as your complete inhabitants of Salt Lake Metropolis—and we don’t even run it! Or you might have heard that greater than 14 customers obtained customized YNAB license plates for his or her vehicles 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 when you’ve discovered your self questioning what all the fuss is about and asking, “Is YNAB value it?”
We get it. We all know all too nicely that almost all 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 device for cash administration. It’s a device for self-actualization. Who do you need to be, and the way can the cash you earn provide help to get there?”
YNAB prices $109 USD per yr, or roughly 30 cents a day. “However why would I pay cash once I’m attempting to save cash?” could 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, nicely, bizarre about us (in such a cool approach!)
It’s true that our software program makes it simpler to handle your funds, however probably the most vital, soul-sparking promoting level is how the YNAB Technique adjustments the way in which you assume about cash, and the way altering the way in which you consider cash adjustments your complete life.
It’s a extremely huge deal (thus the license plates and marriage ceremony vows.)
So, anyway, we all know you may nonetheless have some questions on why YNAB is value it and that’s why we surveyed hundreds of YNAB customers that can assist you discover some solutions. Actual numbers could be simply what it is advisable to clear up this thriller for your self as soon as and for all.
So let’s dive into what almost 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 will spend that cash on the issues that actually matter to us. One in every of YNAB’s core ideas is spendfulness—creating alignment between the way you spend cash and the life you need to reside.
As an alternative of second-guessing each buy, YNABers spend with confidence and readability:
- 78% of customers say they will 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 automotive in money since utilizing YNAB.
- 1 in 4 customers have change into first-time householders.
- 90% verify YNAB earlier than making a spending choice—moderately than their checking account.
These outcomes show that YNAB doesn’t simply provide help to spend much less—it helps you spend nicely. It helps you spend in a approach that truly improves your life by including intention and consciousness so you may ditch guilt, stress, and second-guessing.
Debt payoff that’s truly sustainable
If getting out of debt is one among your targets, YNAB has been a game-changer for hundreds:
- 74% of YNAB customers have paid off debt.
- Amongst those that have, the typical quantity paid off is $27,744.
- The commonest sorts 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 hundreds have achieved by giving their {dollars} a job and prioritizing what issues most. Perhaps you’ve tried paying off debt prior to now however it simply didn’t stick. YNAB will provide help to repay debt sustainably whereas completely breaking your reliance on debt. Plus, you’ll be extra motivated to go after this objective 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 would like you to know that YNAB is about a lot greater than saving cash. It’s about turning into extra of the particular person you need to be, spending extra on the stuff 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 when 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 way in which they consider 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 comfy speaking about cash.
- YNABers are 5 instances extra optimistic about their monetary future than earlier than they used YNAB.
Even higher? The advantages transcend simply numbers—customers report higher sleep, decreased relationship battle, and a clearer sense of management over their monetary future. You possibly can’t afford not to attempt it!
So, is YNAB value it?
Sure, after all it’s value it! YNAB customers save hundreds, repay debt, obtain life targets, and acquire a way of monetary peace that’s exhausting to place a value on. Studying YNAB might take slightly effort—however the outcomes present that those that keep it up expertise an entire shift in not solely how they plan their spending, but additionally how they reside their lives.
It’s exhausting to place a value on internal peace, however 30 cents a day looks like an excellent deal.
Nonetheless questioning if YNAB is for you? Strive it totally free for 34 days and see for your self. If the information is any indication, you gained’t remorse it.
