# YNAB: Thank you Credit Karma for being so terrible

**URL:** <https://community.clark.com/t/ynab-thank-you-credit-karma-for-being-so-terrible/4557>\
**Category:** Uncategorized\
**Created:** [March 2, 2024, 5:00am UTC](https://community.clark.com/t/ynab-thank-you-credit-karma-for-being-so-terrible/4557 "2024-03-02T05:00:13Z")\
**Posts on this page:** 1\
**Showing post:** 1

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**Author:** ![sbro4630](https://avatars.discourse-cdn.com/v4/letter/s/779978/32.png) [@sbro4630](https://community.clark.com/u/sbro4630)\
**Post date:** [March 2, 2024, 5:00am UTC](https://community.clark.com/t/ynab-thank-you-credit-karma-for-being-so-terrible/4557/1 "2024-03-02T05:00:13Z")

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I’ve been budgeting with Mint for 14 years. They are having customers switch to Credit Karma. It is truly terrible IMO. It’s a website to sell you credit cards and loans, not to budget. So I tried YNAB. I tried it in the past and couldn’t wrap my brain around it and gave up. I tried it again out of desperation and something clicked this time in my mind. It is a billion times better than Mint ever thought of being. It’s basically a digital form of the cash-envelope method and you assign a job for every dollar that you have. I tried it for the first month and have never done so well sticking to my budget and saving so much money. Plus, I can save a little each month for those annual expenses, instead of being caught flat-footed by them. YNAB is $99/year, but for me that will quickly pay for itself in how it has shifted my mindset.

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