When tax time comes around I can just take the year totals for each category (Gnu calls them "accounts") and transfer them to the appropriate tax line. I use it for tracking (personal and business). I don't know if it's a good replacement for YNAB. Those types of errors almost never happen in GnuCash. I often end up just adding a fake transaction to correct for errors in Quicken and balance things at the end of each quarter. I download all of my transactions as QFX files directly from my bank websites, and with quicken I have to either spend a lot of time searching for double transactions or missed transfers or missing transactions to get the quicken balance to match the bank balance. But I will say that I now make far fewer errors than in Quicken. There's definitely a learning curve, and it took some time to wrap my head around their double accounting method. I'm an older Quicken user and trying to get out from under their subscriptions. I've been using Gnucash since the beginning of the year. I'm not close enough to the case to know the latest. It looks like they just settled out of court in September, and part of the settlement is an agreement to make their business practices "more transparent". In arguments, their lawyers stated that customer data wasn't sold - what they sell are authentication keys to an API where customer data can be downloaded. Additionally, the privacy policy is not meaningfully presented to users, the suit claims. Plaid then uses that information to access the consumer’s bank account multiple times a day, gathering private information and then selling it, the suit says.Ī login screen with your bank’s branding is actually controlled by and connected to Plaid, the suit says, which uses bank logos to provide a false sense of comfort for users. The suit, filed Monday, alleges that when a user enters their bank login information on an app that uses Plaid, the credentials, including security layers such as security questions and answers and one-time passwords, are transmitted directly to Plaid, rather than to the bank. The app also allegedly gathers information on accounts maintained for others such as relatives and children, and has amassed data from over 200 million distinct financial accounts. Plaid uses that access to deceptively obtain bank account information from users, accessing information back up to five years, averaging 3,700 transactions per consumer, the suit says. The consolidated actions involve claims surrounding Plaid’s alleged collection and use of consumers’ banking login credentials and later processing and selling of such financial transaction data to third parties without adequate notice or consent. Plaid is a fintech services company that offers applications that provide account linking and verification services for various fintech apps that consumers use to send and receive money from their bank accounts. They have been charged under CAPA, the anti-phishing law. Of course, now I am questioning the difference $30 makes between Copilot and YNAB on the yearly subscription cost - And may just end up going the free spreadsheet route if Copilot doesn't scratch the YNAB itch. I am as of early November on a free trial, not truly sold on it yet, but it is still early in my use. After spending some time looking into a majority of apps suggested here, I found that Copilot was likely to be the most similar in interface and ease of use to YNAB. I wanted to thank everyone for commenting, pitching ideas, and telling me I’m wrong.Įdit 2: I wanted to circle back in case this comes up in a search result for anyone else. Also if you could bring on answers for my question, that works just as well.Įdit: this blew up beyond my expectations. I'm sure I will get downvotes for that, bring it on. It's not so much that I can't afford it, it's the principle. I just saw an announcement they are doubling their yearly cost, and I am in need of an alternative app/program that is the same previous cost ($50/yr) or less. I am simply looking for a very close alternative to YNAB. Hi everyone, thanks for checking my post. Here, please treat others with respect, stay on-topic, and avoid self-promotion.Īlways do your own research before acting on any information or advice that you read on Reddit. Get your financial house in order, learn how to better manage your money, and invest for your future. Banking Megathread: FDIC, NCUA, and your cash.Private communication is not safe on Reddit. Scam alert: Ignore any private messages or chat requests.
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