You’ve been a YNABer for years, but now that they’ve increased their annual service fees you’re looking at budgeting alternatives for YNAB (You Need A Budget). The free budgeting tools that are out there don’t offer the features you need to stay current on a modern budget, but what other options are there? Two words: One Goal.
YNAB recently announced an increase in their costs, and now an annual subscription will set you back $98. Paying monthly costs even more, at $14.99/month. If these costs seem a bit much to you, you’re not alone. One Goal provides superior budgeting tools at an affordable rate. For only $12/month or $115/year, you get priority support from the One Goal team, transactions automatically imported from your bank, simple and easy-to-use drag-and-drop categorizing, and so much more.
Not only will you pay less for financial freedom, but you can also have fun doing it! One Goal celebrates 🎉 when you’ve categorized all of your transactions, explodes 💥 your budget categories when you’ve overspent, and has helpful hints to keep you on track.
YNAB users often struggle to budget monthly when their paychecks come in biweekly. This becomes a problem when you set your grocery budget at $800 for the month, yet if you spent all $800 of it in the first week of the month then you might not have enough to pay your housing payment or other bills when they come due.
One Goal offers the best budgeting alternatives to YNAB because it solves this problem by creating weekly spending categories with the entire year in mind. It doesn’t matter if you get paid every week or three times a year, One Goal’s budgeting tools will break down all of your spending into weekly amounts so you never have to worry about not having enough to meet your financial obligations.
And the best part? One Goal automatically funds your categories each week so you don’t have to decide where your money is going every single time you get paid. Weekly budgeting helps you break the paycheck-to-paycheck cycle and think about the bigger picture.
One Goal is an innovative budgeting tool that helps you create and follow a spending plan using zero balance budgeting. It differs from YNAB in a few key ways. One of those differences is One Goal allows you to set one financial goal and work toward it by applying any remaining balances from your weekly spending toward your financial goal.
Let’s say you decide your one goal is to pay off your mortgage. You budget for your monthly mortgage payment and all of your other expenses. Then your utility bill comes in and it’s $50 less this month than you expected. You now have the option to take that $50 and apply it toward an extra payment on your mortgage. Over time, even pennies left in spending categories can make a difference when they’re all applied toward helping you reach your one goal. Whether your mission is to travel the world, pay off debt, or retire early, One Goal is here to help you fast-track those objectives.
TL;DR; 6 reasons you should switch to One Goal
At One Goal, we know that your budget is an important tool in helping you live the lifestyle you want. That’s why we’re here to provide you with effective budgeting alternatives to YNAB so you can spend with confidence and meet your financial goals faster. Our easy-to-use budgeting tools are available on any device, iOS, Android, and Web with the same features no matter what platform you use it on (take that YNAB). Budgeting doesn’t have to be a long and painful process. When you join One Goal, we’ll help you set up your budget in minutes so you don’t have to spend hours laboring over a spreadsheet. Sign up today and create your spending plan for free, upgrade whenever you’re ready! We’d love to hear what you think!
