![]() ![]() As is I have to go through the bank statement on your program and select what goes where, which is no different to what I would be doing in my current excel document. I just set up a Macro that scans columns the way I want it to and I just have the columns auto-sort based on a check list. Honestly I can import my bank statement into it. I used to use an excel template up until I grabbed your product. ![]() If you want to do it in Excel, you're more than welcome to :) That said, not everyone wants to spend hours and hours writing an Excel spreadsheet that does all this stuff, so YNAB is for them. I mean, we even give away what you need to do, right here: Originally posted by RodeoClown:I've yet to see an Excel template that can import transactions from your bank, or auto-synchronise with your phone, but you can replicate most of the basic budgeting functionality in Excel, for sure. ![]() I have used it actively now for over 5 hours (check my profile), after setup I only have to go into it maybe a few times each week for a few minutes, so its obvious from the time spent that I actively use it each month and to me it is worth every penny and has kept my finances on track. YNABs simple insertion of new data fields and creation of your template, handling of calculations dynamically from month to month and as you add more elements, its import facilities - none of these would be a simple feat to implement in excel even using some fairly advanced VBA code - I certainly would not spend the time it would take to generate something along those lines for my personal use, instead I bought this program to do it.ĭon't let the relatively small size of the download or initial simplicity fool you, it certainly does the job well and I have been using it for some months now to handle my budgeting. If I produced something myself it would be tailored to my current needs but also fairly inflexible should my budgeting 'goalposts' shift and not as polished without putting in some major effort. I picked the product up as it was inexpensive and would save me time writing something myself, to look after my budget. I worked as a software dev and systems admin for 15 years (Ingres ABF/4GL, BP3, VB, C, etc - mostly working on Sun Solaris and PC Windows platforms) and I am also pretty handy with excel, there are no doubt some cool spreadsheets out there to help you budget (I have made up some of my own in the past when I felt the need previously to budget my expenses), but I have yet to see a free one that works in such a polished way as YNAB and is as simple to use. ![]()
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