There’s a reasonably good likelihood you’ve learn rave critiques about YNAB. Maybe you might have a pal 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’ll have heard that greater than 14 customers obtained customized YNAB license plates for his or her automobiles and one couple included us of their wedding 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 all the fuss is about and asking, “Is YNAB value it?”
We get it. We all know all too properly 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 instrument for cash administration. It’s a instrument for self-actualization. Who do you need to be, and the way can the cash you earn assist you to get there?”
YNAB prices $109 USD per 12 months, or roughly 30 cents a day. “However why would I pay cash after I’m making an attempt to save cash?” is perhaps 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, properly, bizarre about us (in such a cool approach!).
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 Technique modifications the way in which you suppose about cash, and the way altering the way in which you consider cash modifications your entire life.
It’s a very large deal (thus the license plates and wedding 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 is perhaps simply what you’ll want to remedy 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 are able to spend that cash on the issues that actually matter to us. One among YNAB’s core rules is spendfulness—creating alignment between the way you spend cash and the life you need 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 change into first-time owners.
- 90% verify YNAB earlier than making a spending choice—moderately than their checking account.
These outcomes show that YNAB doesn’t simply assist you to spend much less—it helps you spend properly. It helps you spend in a approach that really improves your life by including intention and consciousness so you may ditch guilt, stress, and second-guessing.
Debt payoff that’s really sustainable
If getting out of debt is one in every of your objectives, YNAB has been a game-changer for hundreds:
- 74% of YNAB customers have paid off debt.
- Amongst those that have, the common quantity paid off is $27,744.
- The commonest varieties of debt paid off? Bank cards (56%), auto loans (45%), and pupil 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.
Possibly you’ve tried paying off debt prior to now nevertheless it simply didn’t stick. YNAB will assist you 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 really 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 technique 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 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 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 way in which 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 instances 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 value it?
Sure, in fact it’s value it! YNAB customers save hundreds, repay debt, obtain life objectives, and acquire a way of economic peace that’s laborious to place a value on. Studying YNAB could take a bit effort—however the outcomes present that those that keep it up expertise a whole shift in not solely how they plan their spending, but additionally how they stay their lives.
It’s laborious to place a value on inside peace, however 30 cents a day looks as if an ideal deal.
Nonetheless questioning if YNAB is for you? Attempt it without cost for 34 days and see for your self. If the info is any indication, you gained’t remorse it.
