It pulls the last desktop application release and replaces the runtime to be 64-bit. Which leads me to this excellent conversion tool by Bradley Miller. MacOS Catalina only supports 64-bit applications, and YNAB doesn’t intend to fix their admittedly-deprecated 32-bit desktop application. Not mentioning this leads me to suspect it’s the latter, which is problematic. Their security page mentions data is encypted at rest, but doesn’t say if it’s encrypted locally before transmission with my passphrase, or whether it’s done at their end. The monthly subscription didn’t bother me as much as having all my transactions and tax history on a remote server I don’t control. NYNAB was launched, which is a web service. I recommended the hell out of it back in the day it was easy to use, and ran beautifully on Windows, Mac, and Wine on FreeBSD. Clara and I first started using this back when it was a desktop application.
But perhaps the most well known tool to do this was You Need A Budget. You can use a simple spreadsheet for this. It’s not that I have time for it, as much as I don’t have time not to do it. It also makes tax time, investing, and budgeting for large expenses ludicrously easy and stress free. Tracking each cent might seem tedious, but I reconcile my accounts each weekend over coffee and derive a tremendous amount of relief knowing that I have an exact picture of my finances. And others are paying forward, such as savings for a holiday or a BSD conference! If life happens and you need to spend more in a category, you can cover it by lowering it from somewhere else. Others are more flexible, such as groceries and homelab parts. Some are fixed expenses, such as rent or regular charity donations. Each month, divvy up your total income into virtual envelopes. The strategy for using it is surprisingly simple.
I always know where every cent is, and just as importantly, what the job of each cent is. It’s hard not to talk about the envelope method of budgeting without sounding like a fanatic, but it’s been so transformative in how I’ve managed my finances over the last half decade.
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