this post was submitted on 26 Nov 2023
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Asklemmy
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Personal finance
Shamelessly plugging You Need A Budget. Best app I've ever used. My SO and I have been using it for about 3 years now, and the app has been instrumental in us becoming mostly debt-free.
Also, you're a college student, you get a free year!
Another shameless plug for Lunch Money (https://lunchmoney.app/)
I tried YNAB, but found the UI confusing. Lunch Money is super friendly and still gives me a great overview of my finances
YNAB is a glorified spreadsheet and did not import past data. I found it exceedingly tedious and not helpful. I am currently using Monarch and it's far, far better. It's a bit pricey, but so far as I've found, it's the best.
They give you a link that allows others to try monarch for 30 days (rather than their egregiously short trial of like 7 days):
https://www.monarchmoney.com/referral/pereb3twgc
I get a discount if you buy after the trial, but there's no need.
I'll have to check out lunch money too
Buckets is a free alternative that I switched to when ynab massively increased the price and dropped their grandfathering agreement. Same principals as ynab, but suited me a lot better and is much much cheaper.
Couldn't agree with this more.