God no. I got in so much debt with ADHD and no budget. Finding YNAB saved my ass and allowed me to buy a house right before it became impossible to do so. Now I won’t pay YNABs insane prices but I still use the same methods.
But obviously I have ADHD so I’ve had to restart that budget many many times. I’ve forgotten about it multiple times over the last 13 years. But I’m finally consistent with it. I check it when I’m going to make a big purchase, I know my general what I need weekly, and I fully review it every pay day (or you know, 2 days later shhh).
every two years I try to do spending analysis and load up ynab again (the original desktop version)
it lasts shorter every time I do it, and I just revert back to “okay I make about this much, these are my bills and savings that automatically transfer/pay, so I should be able to spend around x amount” and then just keeping an eye on minimum balances. I just can’t do all the work categorizing spending like I just don’t really care where I’m spending money, as long as it’s within reason
God no. I got in so much debt with ADHD and no budget. Finding YNAB saved my ass and allowed me to buy a house right before it became impossible to do so. Now I won’t pay YNABs insane prices but I still use the same methods.
But obviously I have ADHD so I’ve had to restart that budget many many times. I’ve forgotten about it multiple times over the last 13 years. But I’m finally consistent with it. I check it when I’m going to make a big purchase, I know my general what I need weekly, and I fully review it every pay day (or you know, 2 days later shhh).
every two years I try to do spending analysis and load up ynab again (the original desktop version)
it lasts shorter every time I do it, and I just revert back to “okay I make about this much, these are my bills and savings that automatically transfer/pay, so I should be able to spend around x amount” and then just keeping an eye on minimum balances. I just can’t do all the work categorizing spending like I just don’t really care where I’m spending money, as long as it’s within reason
Buckets has a similar vibe to ynab, but less demanding in that regard. You can do it if you want, but it can be a pretty basic envelop system too.