Abuuritaanka miisaaniyad waa mid ka mid ah waxyaabaha ugu horreeya ee dadku bartaan inay sameeyaan marka ay bilaabaan "weyn". Taasi waa, haddii ay rabaan inay ku sii jiraan liiska sii kordhaya ee biilasha, oo ay weli lacag kaydsadaan waqti ka dib.

Dadka intooda badani waxay u maleynayaan in abuurista miisaaniyadu ay tahay mid fudud. Waxaad qaadanaysaa dakhligaaga, ka jar kharashaadkaaga, iyo wax kasta oo aad ka tagtay waxaad ku bixin kartaa sidaad doonto, sax?

Runtii sidaas uma fududa. Si aad wax u saxdo, waa inaad isticmaashaa abka miisaaniyadaynta. Labada barnaamij ee miisaaniyada ugu caansan waa You need a Budget ( YNAB ) iyo Mint . Maqaalkani wuxuu isbarbar dhigi doonaa YNAB Vs Mint wuxuuna kaa caawin doonaa inaad go'aansato midka kuu noqon kara app miisaaniyadeed adiga.

Waa maxay sababta aan ugu baahanahay barnaamijka miisaaniyada?

Miisaaniyadda aadka u fudud waa miisaaniyad loogu talagalay dadka aan waligood doonayn inay horumariyaan. Looma diyaarin doono xaalado degdeg ah, ma yeelan doonaan hawlgab, hubaalna ma xasuusan doonaan biilashaas si lama filaan ah u yimaadda.

Waxa ugu muhiimsan ee maskaxda lagu hayo, haddii aad raacdo YNAB ama Mint , waa in midkoodna aanu kuu samaynayn miisaaniyad^{(create a budget)} . Had iyo jeer waxaa jiri doona xoogaa shaqo hore ah si loo bilaabo.

Bilaabidda: Mint

Mint dhab ahaantii waxay isku daydaa inay si otomaatig ah u sameyso habka abuurista miisaaniyadaada. Waxa ay tan ku samaynaysaa in aad siiso dhammaan faahfaahinta galitaanka ee dhammaan akoonnadaada kala duwan.

Marka ugu horraysa ee aad is-diiwaangeliso, Mint waxay ku geyn doontaa saaxir halkaas oo aad ku dari doonto dhammaan faahfaahinta gelitaanka akoonkaaga. Haddii aad hore u dhammaysay saaxirkii oo aad rabto inaad xisaabo badan ku darto, kaliya waxaad ka doorataa Ku dar Accounts^{(Add Accounts)} ka menu-ka.

Markaad ku darto dhammaan xisaabaadka, waxaad u baahan doontaa inaad siiso Mint 24 saacadood ama si aad u soo jiidato dhammaan faahfaahinta akoonkaaga oo aad isku daydo inaad wax walba u xalliso xoogaa miisaaniyad ah.

Marka wax walba la dejiyo, marka xigta ee aad gasho dashboardkaaga waxaad arki doontaa dhammaan akoonnadaada hal bog.

Tan waxaa ka mid ah:

• Hubinta iyo kaydinta^{(Checking and savings account)} hadhaaga akoontiga
• Hadhaaga kaararka deynta
• Hadhaaga amaahda
• Maal-gashiga iyo hantida hantida
• Liiska biilashaada soo socda iyo taariikhdooda
• Jaantusyo kala duwan oo faahfaahinaya qaababka kharash bixintaada

Habka "miisaaniyadda" oo dhan ee reexaanta waa falanqaynta xogta taariikhiga ah. Waxa ay kaa caawinaysaa in aad eegto qaabka kharashkaaga si aad u habayn karto kharashaadkaaga mustaqbalka si aad u yarayso waxyaabaha aad kharash garayso.

Mint waxay garanaysaa dhammaan kharashaadkaaga "goolasha" ku salaysan miisaaniyada aad abuurto. Qaybta soo socota waxaad ku baran doontaa wax badan oo ku saabsan waxa "abuurista miisaaniyad" u eg YNAB vs Mint .

Bilaabidda: YNAB

Bilaabidda YNAB aad bay uga duwan tahay. Tani waxay u badan tahay sababtoo ah falsafada YNAB oo dhami way ka rogmatay waxa aad caadiyan ka fikiri lahayd marka aad ka fikirto miisaaniyada.

YNAB ma danayso inta aad shaqaysato ama kharash garayso bil kasta. Waxa kaliya oo ay danaynaysaa sida aad u qorshaynayso inaad u isticmaasho lacagta aad dhab ahaan ugu jirto akoonkaaga. Sababtaas awgeed, macluumaadka akoontada kaliya ee aad u baahan tahay inaad bixiso waa akoonnada bangigaaga^{(your bank accounts)} .

YNAB waxay ku xidhi doontaa xisaabaadkaas oo ay jiidi doontaa dhammaan baaqyada.

Marka ugu horraysa ee aad bilowdo YNAB , waxa ay ku siin doontaa miisaaniyada caadiga ah oo u dhigma inta badan alaabta ku jirta miisaaniyada qoyska caadiga ah.

Waxaad ku dari kartaa walxo cusub adiga oo dooranaya summada yar ee midig ee qaybta oo ku dar "Qaybta" cusub shay kasta oo miisaaniyadeed.

Halkaa marka ay marayso run ahaantii uma baahnid inaad wax miisaaniyad samayso, kaliya waxaad u baahan tahay inaad isku daydo oo aad hubiso in wax kasta oo aad waligaa filanayso inaad lacag ku kharash garayso inay liiska ku jiraan.

Marka aad wax ku darto, waa waqtigii aad ku qori lahayd dhammaan lacagta la heli karo ee akoonnada bangigaaga waxyaabo kala duwan oo ku jira “miisaaniyaddaada”. Waxaan is barbar dhigi doonaa sida aad tan u sameyso YNAB vs Mint qaybta xigta.

Samaynta Miisaaniyad: Mint

Mint waa dugsi-dugsi marka ay timaado miisaaniyad. Tani waa sababta oo ah waxay isticmaashaa habka caadiga ah ee u qoondaynta " hadaf" biil kasta. Macnaha^(Meaning) , waxa aad u qoondaysay xad bishii aad rabto in aad hoos ku sii.

Si aad u bilowdo abuurista miisaaniyad Mint , ka dooro Miisaaniyadaha^(Budgets) liiska, 

Marka xigta, dooro badhanka Create a Budget . 

Waxaad dooran doontaa qayb kasta (walxaha miisaaniyada) midba mar, u xilsaari soo noqoshada biilkaas, iyo qadarka ugu badan ee aad rabto inaad ku bixiso (ama ay tahay inaad ku bixiso) biilkaas.

Waxaad u baahan doontaa inaad tan u samayso shay kasta oo miisaaniyad ah oo aad ama biil u haysato, rabto inaad wax u kaydsato, ama maalgelin aad rabto inaad samayso.

Tani runtii kama duwana miisaaniyada caadiga ah ee aad ku abuuri karto Excel . Waxa kaliya ee ay ku kala duwan yihiin ayaa ah in Mint ay keento kharashyadaada dhabta ah waqti ka dib ka dibna ay barbar dhigto kharashkaaga dhabta ah ujeedooyinka kharashgareynta miisaaniyada.

Waxa aad ogaan doonto waa in natiijada ugu dambeysa ee Mint ay tahay tan: 

• Waxaad ogaan doontaa marka kharashkaaga guud uu faraha ka sii baxayo ka hor dhamaadka bisha.
• Waxaad arki doontaa alaabta miisaaniyada ee aad kharash garaysay bil kasta.
• Nafaqadu^(Mint) waxay u janjeertaa inay dhaliso eed badan maadaama kharashka xad-dhaafka ah ee alaabta miisaaniyaddu ay inta badan lama huraan tahay.
• Wax ka qabashada kharashyada lama filaanka ah ee Mint waa adag tahay waxayna ku kordhinaysaa culayska qorsheyntaada maaliyadeed.
• Emayllada ogeysiiska biilka ee Mint waxay yeelan karaan dhib haddii aadan damin.
• Guud ahaan, isku xirka miisaaniyada iyo habka waa mid adag oo waqti badan qaata.

Sameynta Miisaaniyadda: YNAB

Samaynta miisaaniyad YNAB waxay marka hore dejinaysaa madaxaaga wareega. Tani waa xaalad gaar ah haddii aad had iyo jeer isticmaashay hab miisaaniyadeedka billaha ah ee dugsigii hore.

Haddii aad filayso inaad "u qoondayso" qaddar bille ah shay kasta oo miisaaniyadeed bilawga bisha, waxaad u baahan doontaa inaad barato wax kasta oo aad waligaa ka fikirtay samaynta miisaaniyad.

Habka YNAB waa in aad qorshayn doonto oo kaliya kharashkaaga mustaqbalka inta aad awooddo lacagta caddaanka ah ee aad hadda gacanta ku hayso. "To be Budgeed" waxa lagu shubaa lacag badan mar kasta oo aad hesho jeeg mushahar ama nooc kasta oo lacag caddaan ah oo wanaagsan oo ku soo dhacaya akoonkaaga bangiga.

Waxaad u baahan doontaa inaad hoos u dhigto liiska alaabtaada miisaaniyada oo aad u qoondayso qaybo ka mid ah miisaaniyada "Lagu Qorsheynayo" miisaaniyad kasta oo ah sida ugu dhakhsaha badan.

Markaad hoos u dhigto liiska, waxaad u baahan doontaa inaad hubiso oo kaliya inaad lacag u qoondayso waxyaabaha ay taariikhda kama dambaysta ahi soo baxayso. 

Marka lacagtaada “Lagu qoondeeyo” la soo saaro, waad dhammaatay ilaa wakhtiga xiga ee aad hesho jeeg mushahar ah.

Dhinaca kale ee miisaaniyad-samaynta waa u qaybinta qaybaha kharashyadaadii dhawaa ee soo baxay. Waxaad u baahan doontaa inaad tan samayso ku dhawaad ​​mar kasta oo aad gasho YNAB adiga oo dooranaya akoon kasta oo bangi oo aad u qoondayso qaybta shay kastaa iska leeyahay.

Waqti ka dib, markaad u xilsaarto hawlahaaga kharash gareynta, waxaad arki doontaa in hawsha laga jaray qadarka aad u qoondaysay kuwaas.

Tani waa meesha YNAB aad u xiiso badan. Haddii aad kharash dheeraad ah ku bixiso qayb, waxaad taas ku arki doontaa casaan. Waxaad dhab ahaantii u baahan doontaa inaad daboosho kharashaadkan dheeraadka ah adiga oo u qoondaynaya lacag badan oo “Lagu qoondayn doono” (haddii aad wax ka harsan tahay), ama dib u habaynta lacagaha qaybaha kale ee miisaaniyadaysan.

Waxa aad ogaan doonto waa in natiijada YNAB ay tahay tan: 

• Waxay kugu qasbaysaa inaad xakamayso kharashaadka qaybahaaga (sida cuntada aad ka cunayso) si aanad lacag uga xadin qaybaha kale ee muhiimka kuu ah (sida kaydinta gaadhiga).
• U qoondaynta lacagaha soo gala qaybaha miisaaniyada waxay dareemeysaa inaad dhab ahaantii kharash garaynayso lacagtaas, taas oo kugu qasbaysa inaad si macquul ah u noqoto kharashkaaga.
• YNAB waxay kaa caawinaysaa inaad kaydiso qaybo kala duwan oo miisaaniyadaada ka mid ah, waxayna kor u qaadaa kibirka markaad dhab ahaantii taas dhammayso.
• Adigoon soo dejin taariikhaha biilka waxay kugu qasbaysaa inaad la socoto taariikhaha saxda ah ee nidaam kale, si aad ugu qoondayso lacagahaaga jira biilasha ugu muhiimsan marka hore.
• Cilmi-nafsiga hoose ee miisaaniyadda YNAB ayaa ka dhigaysa ururinta lacagaha xisaabaadka bangigaaga si dabiici ah.

YNAB Vs Mint: Isbarbardhigga Guud

Haddaba marka la is barbar dhigo YNAB vs Mint , kee baa guulaysta? Xaaladdan oo kale, waxaa jira run ahaantii guuleyste aad u cad.

Mint waxay ku dhisan tahay fikraddii hore ee habaysan ee samaynta miisaaniyad bille ah, dejinta yoolal, ka dibna naftaada ku garaaci lahayd dambiile markaad guuldarraysato bil kasta. 

Mint waxay faa'iido u leedahay in lagu dhex daro akoon kasta oo bangi ah iyo shirkad kasta oo aad biilasha ku leedahay, laakiin isdhexgalkaas waxay ku timaadaa khatar ammaan oo weyn. Haddii qofna waligiis jabsado server-yada Mint , mid kasta oo ka mid ah akoonnadaada maaliyadeed waa nugul.

YNAB , dhanka kale, waxay isticmaashaa hab aad u cusub. Dhab ahaantii waxay kaa dhigaysaa inaad qorsheysato dhammaan lacagaha soo gala isla marka aad hesho. Haddii aad rabto inaad lacag kaydsato, waxaad u baahan tahay inaad hubiso in dhammaan biilasha lagugu leeyahay ka hor jeeggaaga xiga ee mushaharka ay haystaan ​​lacag iyaga loo qoondeeyay ka hor inta aanad lacag u dhigin kaydka.

Faa'iidada tan waa inaadan dib u eegin akoonkaaga bangiga si aad u go'aansato inaad wax iibsan karto. Waxaad eegaysaa miisaaniyadaada. Haddi aanad lacag u qoondayn sariirtaas cusub, waxa aad ku qasban tahay in aad lacag ka dhaliso shay kale oo laga yaabo in uu adiga muhiim kuu yahay.

Taasi waa sirta ka dambeysa sababta YNAB ay si fiican u shaqeyso, iyo sababta ay si cad ugu guuleysato Mint , gacmaha hoos u dhigta.

YNAB vs Mint: Why YNAB Is The Better Budget App

Creating a budgеt is one of the first things рeople learn to do when they start “adulting”. That is, if they want to stay оn top of their growing list of bills, and still save mоney over time.

Most people think that creating a budget should be simple. You take your income, subtract your expenses, and whatever you have left you can spend however you like, right?

It really isn’t that simple. To do things right, you should use a budgeting app. The two most popular budget apps are You Need a Budget (YNAB) and Mint. This article will compare YNAB Vs Mint and help you decide which may be the better budget app for you.

Why Do I Need a Budget App?

A budget that’s too simple is a budget for people who never really want to get ahead. They won’t be prepared for emergencies, they won’t have a retirement, and they certainly won’t remember those bills that arrive unexpectedly.

The most important thing to keep in mind, whether you go with YNAB or Mint, is that neither one is going to create a budget for you. There will always be some up-front work to get started.

Getting Started: Mint

Mint actually does try to automate your budget creation process. It does this by having you provide it with all of the login details for all of your various accounts.

When you first sign up, Mint will take you through a wizard where you’ll add all your account login details. If you’ve already finished the wizard and want to add more accounts, you just select Add Accounts from the menu.

Once you’ve added all accounts, you’ll need to give Mint 24 hours or so to pull in all of your account details and attempt to sort everything out into somewhat of a budget.

Once everything is set up, the next time you log into your dashboard you’ll see all of your accounts on a single page.

This includes:

• Checking and savings account balances
• Credit card balances
• Loan balances
• Investments and property holdings
• A list of your upcoming bills and their dates
• Various charts detailing your spending patterns

The entire “budgeting” approach of mint is historic data analysis. It helps you look at your spending patterns so that you can adjust your future spending to reduce the things you’re overspending on.

Mint knows all of your spending “goals” based on the budget you create. In the next section you’ll learn more about what “creating a budget” looks like in YNAB vs Mint.

Getting Started: YNAB

Getting started in YNAB is a lot different. This is mostly because the entire philosophy of YNAB is upside down from what you’d normally think about when you think of budgeting.

YNAB doesn’t care how much you earn or spend every month. It only cares how you plan to spend the money that you actually have in your account. Because of this, the only account information you need to provide are your bank accounts.

YNAB will connect to those accounts and pull in all balances.

When you first get started with YNAB, it will provide you with a default budget that matches most of the items in a typical household family budget.

You can add new items by selecting the little + icon to the right of a section and add a new “Category” for each budget item.

At this point you don’t actually need to budget anything, you just need to try and make sure everything you ever expect to spend money on is included in the list.

Once you’ve included anything, it’s time to assign all available money in your bank accounts to various items in your “budget”. We’ll compare how you do this in YNAB vs Mint in the next section.

Making a Budget: Mint

Mint is a bit old-school when it comes to budgeting. This is because it uses the standard approach of assigning a “goal” for each bill. Meaning, you assign it a monthly limit you want to keep it under.

To get started with creating a budget in Mint, select Budgets from the menu, 

Next, select the Create a Budget button. 

You’ll select each category (budget item) one at a time, assign the recurrence of that bill, and the maximum amount you want to spend (or have to spend) for that bill.

You’ll need to do this for every single budget item that you either have a bill for, want to save for, or investment you want to make.

This really is no different than a standard budget you might create in Excel. The only difference is that Mint brings in your actual spending patterns over time and then compares your actual spending with those budget spending goals.

What you’ll notice is that the end result of Mint is this: 

• You’ll know when your overall spending is getting out of hand before the end of the month.
• You’ll see which budget items you’ve overspent on each month.
• Mint tends to induce a lot of guilt since overspending on budget items is often inevitable.
• Handling unexpected expenses in Mint is difficult and adds to your financial planning stress.
• The bill notification emails from Mint can get annoying if you don’t turn them off.
• Overall, the budgeting interface and process is complicated and time consuming.

Making a Budget: YNAB

Making a budget in YNAB is going to set your head spinning at first. This is especially the case if you’ve always used the old-school monthly budgeting approach.

If you’re expecting to “assign” a monthly amount to each budget item at the start of the month, you’re going to have to relearn everything you’ve ever thought about making a budget.

The YNAB approach is that you’ll only plan out your spending as far into the future as you can with the cash you currently have on hand. “To be Budgeted” gets loaded with more funds any time you receive a paycheck or any kind of positive cash flow into your bank account.

You’ll need to go down the list of your budget items and assign pieces of those “To be Budgeted” funds to each budget item that is due the soonest.

As you work down the list, you’ll need to make sure only to assign funds to those things where the due date is coming up the earliest. 

Once your “To be Budgeted” amount is drained, you’re done until the next time you receive a paycheck.

The other side of budgeting is assigning which categories your recent spending appears in. You’ll need to do this nearly every time you log into YNAB by selecting each bank account and assigning which category each item belongs in.

Over time, as you assign your spending activities, you’ll see that activity subtracted from the amount that you budgeted for those.

This is where YNAB gets very interesting. If you overspend in a category, you’ll see that in red. You’ll actually need to cover this overspending by either assigning more “To be Budgeted” money to it (if you have any left), or reassigning funds from other budgeted categories.

What you’ll notice is that the end result of YNAB is this: 

• It forces you to control spending in your categories (like dining out) so that you don’t have to “steal” money from other categories that are important to you (like saving for a car).
• Assigning incoming funds to budget categories feels like you’re actually spending that money, which forces you to be more realistic about your spending.
• YNAB helps you build savings in different categories of your budget, and promotes pride when you actually accomplish that.
• Not having imported due dates for bills forces you to track due dates in another system, so that you assign your available funds to the most critical bills first.
• The underlying psychology of YNAB budgeting makes accumulating funds in your bank accounts come naturally.

YNAB Vs Mint: Overall Comparison

So when comparing YNAB vs Mint, which one wins? In this case, there’s actually a very clear winner.

Mint is built upon the old fashioned concept of making a monthly budget, setting goals, and then beating yourself into submission with guilt as you fail every month. 

Mint does have the benefit of being integrated with every single bank account and company that you have bills with, but with that integration comes an enormous security risk. Should anyone ever hack Mint servers, every single one of your financial accounts are vulnerable.

YNAB, on the other hand, uses a very innovative approach. It literally makes you plan out all incoming funds the moment you receive them. If you want to save money, you need to make sure all bills that are due before your next paycheck have money assigned to them before you set aside money for savings.

The benefit to this is that you’re no longer looking at your bank account to decide if you can afford something. You’re looking at your budget. If you haven’t allocated money for that brand new couch, you’re going to have to steam money from something else that may be equally important to you.

That is the secret behind why YNAB works so well, and why it’s clearly the winner over Mint, hands down.

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