What budget do you use?

[flowerycurtain]

I'm a HUGE fan of YNAB. However I'm coming up to my first annual payment of £80 rather than the £40 I used to pay and I wonder if there's a good free version somewhere?

I've had a go at MoneyDashboard but in comparison it feels clunky and I'm finding it hard to get a budget set up.

Should I spend hours on my own spreadsheet and just ditch having an app?

Any other suggestions would be great.

I just use a spreadsheet. For me, £80 is a waste of money.

I use YNAB and I really don’t think anything compares. I pay monthly so it doesn’t feel like that much - £13 a month atm with the exchange rate which is much less than what I know I save each month in other areas using YNBA. A spreadsheet is much more clunky and not as ‘live’, no way would I go back to that.

I use money dashboard and although it took a little setup it just looks after itself now. Just a little bit of allocating payments if they don't fall into the right pot.

@MintJulia I agree. £13 a month is a lot of money. I've been using YNAB for years now so think I've got the method and the reasoning quite deeply ingrained!

For home or work, i use quick books at work and the human brain for home. Occasionally I have written things in excel (for the solicitor) or the back of an envelope but home finances aren't complicated, VAT returns however...