To become a “YNABer,” you start by providing an email address. The setup process for YNAB is not very different from Mint. Note: If you already have a login from using TurboTax or Quicken, you can use that to get started with Mint. Once you sync accounts, you’ll see them listed along with the balances on the left side of your screen. Mint makes things a little easier by providing a searchable list of financial institutions. (I would set aside a full hour for this if you want to include all of your financial accounts.) This step is probably the most arduous and time-consuming process of getting started with Mint. It involves typing in the login information and passwords for these accounts and waiting a minute or two for them to sync up. For example, include your bank accounts, credit cards, investment accounts and loans. Next, you will need to go through the process of linking outside accounts. Hop onto and come armed with your email address, a password and a phone number. It’s fairly easy to set up an account with Mint. Here’s how you can get started with each tool. But at its core, it is a useful account aggregator offering you the ability to see all of your financial accounts in one view. YNAB uses these rules in assisting users with creating and following budgets, and to help you begin saving money beyond what you earn. Only spend money that is at least thirty days “old.”.Break up larger, less frequent expenses into monthly “bills.”.

Decide what you want to do with your money before you spend it.YNAB was founded by a married couple who began saving money by following four simple rules, which they put in place as the guiding philosophy for the company. It will also allow you to view broader trends of your income, expenses and borrowing. Plus, it helps you set up budgets, track your spending and financial goals. In other words, it helps you save time by letting you look at the full picture of your finances at once. Using an app for Android or Apple, or the website, Mint is capable of importing the login information for everything from bank accounts, investment accounts, loans and credit cards. It is best known as an account aggregator since it will allow you to view all of your financial accounts at once on a single dashboard. Mint was created in 2006 and later acquired by Intuit, the provider of financial software including TurboTax and Quicken.

Ynab budgeting for long term savings