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My husband and I have struggled for awhile over how to budget our pay. We have moved six times in the past four years (and you know how much PCS's can COST!!), but still. We are adults, we figure, so budgeting should be a piece of cake, right? Wrong. Fortunately for us, we discovered a great financial tool that bailed us out.
Have any of you used any of the budgeting tools here on USAA.com to help with budgeting? Were they helpful? I've seen them but I haven't "dug in" yet.
The 'Spending Plan' feature is less a full-fledged budgeting tool and more of a general overview/alerts if you are getting close to your planned maximums. I find myself setting the limits to what I generally spend on the categories (Dining/ ATM / Rent / etc.) and letting it warn me if I my spending spikes about what is normal.
That being said-- it is a nice to have from your daily bank as it means sharing less about your spending habits with not-so-trusted 3rd parties. While other products (such as mint.com [owned by Intuit by the way]) may do a better job helping you budget and may make it easier to aggregate your various financial accounts-- the thought of having a 3rd party platform that has all my banking credentials (username/passwors/etc.) stored is just not worth it to me. Your milage may very.
Thanks for the post about YNAB, I couldn't find the date, so not sure how old it is. Have you found a way to download your USAA account infor directly in terms of paycheck deposits etc?
Sam,
I don't have any experience with YNAB but I hope that our community member can reply and let you know. Welcome to the community!