Nov 27, 2016 For Windows Look under your Documents/YNAB folder (if you’re not using cloud sync). If you are, look under Dropbox. If you are, look under Dropbox. From here, you’ll need to find a file called “Budget.yfull” under the folder “Your-Budget-Namexxxx.ynab4”. The main difference between YNAB and Moneydance, is, of course, that Moneydance is a software program that keeps your information local, while YNAB is cloud-based. That being said, you can save your YNAB locally–the app does have that option.
I have a long history with YNAB (You Need a Budget), both good and bad.
To make a long story short, I was using and loving Mvelopes, while YNAB had a lot of problems with its new release. YNAB then fixed those problems, Mvelopes went south and I switched back.
Today, I use a combination of Quicken 2011 and YNAB to manage my money, and was excited the see YNAB 4, the newest version of the software, make a premiere last month.
Do you really want my envelope budgeting speech again?
I didn’t think so. I know that you know that I love it.
The trick is to find the best way to implement envelope budgeting, and for me that’s YNAB. It’s not perfect, but it’s the best combination of visual clarity, backbone, and simplicity you’ll find today.
Notable new features
Head back to my previous YNAB reviews (links up top) for general software information. Today, I’ll look only at some of the notable improvements in YNAB 4 over the previous versions.
For example, I love the new “version” feature, which saves me the heartache of screwing up my budget and not having a simple way to get it back:
Mobile Cloud Sync
The graphics took a big improvement, with larger fonts, a cleaner interface, and bold colors. Reports, in general, are very good-looking, simple to understand, and get to the point. Here’s a sample spending report:
Ynab 4 Cloud Sync Backup
One big selling point for YNAB is the new Cloud Sync. I decided not to use it, since I don’t own a smartphone and already made this syncing work to the level I need by sharing the YNAB file over Google Drive.
Among some of the other changes, the increase in speed is definitely noticable–the program feels zippy and more responsive. Changing screens and entering data feels direct and immediate.
Here’s a sample account I was playing around with in budget mode:
And here’s an example of the simple interface for creating a new account:
The verdict
YNAB 3 was a big step up for the software a few years ago.
Version 4 is not as revolutionary, but I still think it’s worth the $40 upgrade fee I paid to get it. And if you’re not using any kind of envelope budget software at all, it’s an excellent way to get into the market.
Bonus offer for my readers
/ynab4_report_spending_category-56a2f0ff3df78cf7727b3f60.png "Ynab 4 cloud sync apps")
Ynab 4 Cloud Sync App
The regular cost of the program is $40 for upgrades and $60 for new users, which is well within reach.
For a limited time, save an additional $6 with my coupon code at this link:
I got my review (and personal use) copy before this deal came out, but if you use the link above, not only will you get $6, but I will as well! That means you’ll be on my awesome list and support this blog.
If you have any questions on the new YNAB version, let me know in the comments or get in touch with me!
Ynab 4 Cloud Sync App
(Post image from YNAB)