George and I have had long talks about the software we use, what we need and what we want.
We absolutely loved YNAB4 – the classic desktop version especially when we were able to update it from our phones. That meant both of us could see what was available to spend when we were out shopping. No one had to ask permission to spend money. I loved that George could see that I honored the budget and kept my spending in line. That helped to get him more engaged with the whole process (he hates the admin part of updating finances).
We got an email saying it won’t be supported any more and decided to look around and ask around. We decided to try financier.io – a web based app that will let us both view it from different devices. It also retains the red arrow from YNAB4 that will let you carry a negative balance from month to month. This was important to us as it let us track any categories that were problems. Lately George’s SUV has needed more maintenance and this is one where the red arrow has been helpful. We turn it on for that category and just keep adding the regular budget amount each month. It almost caught itself up and then his SUV broke down. This is a bigger deal to George than scheduled maintenance. Getting stranded at work and seeing a negative balance in that category has really grabbed his attention letting him know he has some decisions to make probably in the near future.
Meanwhile, the car replacement fund categories for both of our vehicles are sitting there offsetting the negative amount. The total category (transportation) is in the black and all is good here.
I’ll try to post an update in a week or two. I hope this goes well. Meanwhile I guess I’m running two systems!
I have power ups to post but instead I’m setting up financier. I hope everyone has a great weekend!