Don't have a problem with a subscription payment model, but I have severe reservations about how YNAB shifted the budgeting model from YNAB 4 to the web version. 4 You Need a Budget (YNAB) Alternatives. YNAB (see our review) is an app that provides both the mechanics of monitoring your income and expenses and instructional support to help you deal with the root causes of financial distress.. YNAB’s last version was YNAB 4, which was a desktop-based application. With the latest edition, YNAB has been rebuilt from the ground up. If you’d like to continue using YNAB 4, check out this page for all the details on compatibility and support. We use them for holding our cash savings too Jim. Follow YNAB's Four Rules to help you break the paycheck to paycheck cycle, get out of debt, and save more money faster! I followed some old links but they seem to have deleted or moved it. There is also an active support forum and the founder, Jesse, has even done live chats on Reddit to answer questions. However, Apple announced that its newest Operating System, called Catalina, will not support 32-bit apps. Really enjoyed your review. I'm interested in trying YNAB, but would only be interested in the packaged software version which I believe is YNAB 4. YNAB 4 was a great application, but the nYNAB app is broken by removed features and unreliable transaction downloads. I also have a referral code, but isabel got there first, and I'm just a ML lurker, so I'll leave that to her. I like the idea of a one-time charge, so YNAB 4 would be perfect for me. ; YNAB costs $83.99 a year to use, but I tried it out on a one-month free trial. My laptop with ynab 4 died. Related to personal finance, budgeting, money and financial matters. YNAB is the best!!! It was founded in 2004 after real-life couple Jesse and Julie Mecham realized they needed a better system to budget their money. I'm cheap (just ask my husband! I have access to my files, and they are also in dropbox, so could do a restore to a new laptop if I have the application. Anyway browsing this subreddit I heard that ynab 4 is vastly superior and with no monthly charges. Log In Sign Up. So, you're coming from YNAB Classic—maybe you think of it as YNAB 4, or maybe you've been hanging onto YNAB 3 or even YNAB Pro for a long time. Giving every dollar a job, and where to click to get it done. September 4, 2020 at 11:43 pm. It’s great for budgeting, expense tracking and deb payoff. 36 articles Accounts & Transactions. My thoughts on the subject are somewhat less than optimistic. Follow your plan. Press question mark to learn the rest of the keyboard shortcuts. I'm currently running YNAB 4.3.855 on a Mac and my understanding is the latest Mac OS (High Sierra) is probably the last version that will support 32-bit apps. card classic compact. ... YNAB 4 License Key Serial.11 >>> DOWNLOAD bb84b2e1ba YNAB 4 License Key Serial.rar .... Download YNAB 4.3.857 + Crack or Serial ※ Download: Ynab 4 activation key crack.. YNAB is available for Web, Mobile - iOS (iPhone and iPad) & Android, Apple Watch and Alexa by Amazon. Getting confident with YNAB takes a lot of time, … By using our Services or clicking I agree, you agree to our use of cookies. If you're looking for an alternative to You Need a Budget, you're in the right place. Press J to jump to the feed. I switched from YNAB4 to Buckets a couple months ago and it is so far a good alternative with a nice UI. Hello, just started to plan and learn my family budget. I'll give you one character of my key a month for $6.99 a month. Feel free to post any news, questions, budget strategies, tips & … Press J to jump to the feed. Ynab Coupon Reddit Overview. I've got a key. You Need a Budget r/ ynab. Kara Perez. User account menu. Apps Explore The Apps; Learn Learn To Budget; Inspiration Be Inspired; Support Get Support; Log In Free Trial Start Your Free Trial Search. help Reddit App Reddit coins Reddit premium Reddit gifts. I know I'll never give mine up. Feel free to post any news, questions, budget strategies, tips & tricks and advice related to YNAB. Thanks, I just checked Buckets and it looks great! YNAB4 is not available for sale anymore and the next MacOS version will break it, and it will not be fixed. With the new edition, YNAB has been rebuilt from the ground up. Love the product. This subreddit is dedicated to discussion on the popular budget software - You Need A Budget, the desktop clients. Edit to add: if you're dead set on a solution without a recurring cost, you could invest some time into an excel or access spreadsheet. This is great news for me. Jim Wang Updated April 30, 2019 Some links below are from our sponsors. Now we’re making the switch to the new YNAB. The new subscription-based YNAB doesn't make sense to me, first I would have strong concerns about sharing my passwords to my whole financial life that way, and also this would ironically likely be top of the list when using a budgeting software to find where I am overspending. Here's how we make money. The code will be emailed to you shortly after purchasing. The principles of YNAB are the same.Its price point might be steep though with 49$. Feel free to post any news, questions, budget strategies, tips & tricks and advice related to YNAB. In YNAB 4, when you added a credit card account, we created a Pre-YNAB Debt category for that card. What really makes You Need A Budget different is that we can teach you how to manage your money and get ahead—for good. Total control of your money in four simple steps. Created Dec 6, 2012. I know support for it has ended, but we can't even download it anymore??? (This is one of the highest app ratings I have seen to date!) Learn more about Mint.com. If it's 32-bit, are there any plans to release a 64-bit version? Learn more about how we make money.Last edited August 24, 2020. Subsequent people will grab the newest referral code from the comments and post a reply saying whose code they used and post their own referral code. In the new YNAB, a credit card purchase is like a little bit of debt, even if you pay your card in full. You can get the best discount of up to 85% off. Join. Ynab 4 Activation Torrent Upgrade If You Press question mark to learn the rest of the keyboard shortcuts Log in sign up User account menu 3 Activation keys for YNAB 4. Related to personal finance, budgeting, money and financial matters. Members . It think it's a fair price for the value you'd be receiving. The most important thing is DO NOT TRY TO JUST FIGURE IT OUT YOURSELF. You Need A Budget 4 (YNAB) All Discussions Screenshots Artwork Broadcasts Videos News Guides Reviews All Discussions Screenshots Artwork Broadcasts Videos News Guides Reviews Created Dec 6, 2012. Every. Feel free to post any news, questions, budget strategies, tips & tricks and advice related to YNAB. Press question mark to learn the rest of the keyboard shortcuts. Tiller Money is an awesome YNAB alternative. What if your bills rolled in and instead of piling up, you just paid them? Join. … If you need a budget but don't want to pay for You Need a Budget, this one gets you all the budgeting functionality at absolutely no cost. Like Follow. DOWNLOAD YNAB 4.3.857 for Windows. Read on for all of the best deals on www.couponupto.com More results from www.reddit.com Oldest first; Newest first; Active threads; Popular ; Login to reply. Here’s why I love the product: 1. Android users can download YNAB in the Google Play Store, where the app has a 4.1-star rating (out of 5). Members . The main difference between Tiller and the other options on this list is that it uses Excel and Google spreadsheets. I could find a link to download it, but unclear where/how I can get a license, any idea? Feel free to post any news, questions, budget strategies, tips tricks and advice related to YNAB. Need YNAB4 Activation Key. Anyway browsing this subreddit I heard that ynab 4 is vastly superior and with no monthly charges. It's now an online … As a long-term YNAB user, getting the transactions to automatically import instead of spending about a half hour each week reconcilling all of my transactions across 5+ accounts is totally worth the subscription. Can anyone help me with a key? Online. Ynab 4 Month Free Trial Coupons, Promo Codes 12-2020. Disqus privacy policy. YNAB 4 is still a great product, and it’s been an honor to be able to support it far longer than we anticipated. If you missed the announcement, you can catch it here. I'm running YNAB 4 on Win 10, and haven't seen that issue. Online. YNAB 4 was a part of how we handled money in our family and we weren’t ready to part ways when the new online YNAB came along. It has been out of support for several years now. Since I haven't seen it, I don't know how to fix it other than the obvious stuff you've already tried. Join. Created Dec 6, 2012. No sweat. Also, it depends on Dropbox for computer-to-phone sync, which is prone to error and subject to Dropbox's whims (like their new three-device limit for free accounts). YNAB 4… YNAB 4 is most definitely a 32-bit app, meaning if you upgrade your Mac to Catalina, YNAB 4 will not open. I can't find it on piratebay for some reason. Ynab 4 activation key free YNAB4 be viewed here download. Hi all,. A Running Away Balloon meme. Love the principles. 1. Coming from YNAB Classic. Thanks for being such a loyal YNAB user! 109k. You'll have to prise mine out of my cold dead hands. A discussion subreddit for popular budgeting software You Need A Budget. You can try EveryDollar, which is similar to YNAB. Anyone knows where it is? Join. 248. This enables Disqus, Inc. to process some of your data. Hot. We took them up on that for exactly 3 years! If $83.99 a year would be at the top of your list for overspending I think you've got this finance thing down enough not to need it. Using YNAB as a trial currently. There could be more alternatives out there which might suit your needs;https://alternativeto.net/software/you-need-a-budget/. And I held out on leaving YNAB 4 for almost a year. Feel free to post any news, questions, budget strategies, tips & tricks and advice related to YNAB. help Reddit App Reddit coins Reddit premium Reddit gifts. What if you didn’t even realize it was payday because you had money in the bank and weren’t desperate for that check to arrive? Get some dollars. Caption your own images or memes with our Meme Generator. You Need A Budget 4 (YNAB) All Discussions Screenshots Artwork Broadcasts Videos News Guides Reviews All Discussions Screenshots Artwork Broadcasts Videos News Guides Reviews To each her own but I catch fraudulent transactions more often with manual entry. Feel free to post any news, questions, budget strategies, tips & tricks and advice related to YNAB. Find the interface a bit clunky for entering transactions, but wonderful for budgeting. YNAB 4 is budget software features Cloud Sync, making it easier to stay focused on your budget and always up to date by staying in sync wherever there's an internet connection. If push came to shove, I could make Buckets work for my needs. Cookies help us deliver our Services. card. Hi Renee! We have been using YNAB for exactly 1 year and it's been incredible. The first person will post their ynab referral code, and then if you take it, reply that you've taken it, and post your own - creating a chain! DOWNLOAD NOW. at least for me, i think $45/year (the lifetime discount for YNAB 4 users) is absolutely worth the cost. Ynab Coupon Reddit can offer you many choices to save money thanks to 17 active results. https://alternativeto.net/software/you-need-a-budget/. You will make up the money elsewhere because you will be hyperaware of your spending. Members . Life Without Rule One. Cookies help us deliver our Services. Imagine the sense of pride and accomplishment when you get them all! A discussion subreddit for popular budgeting software You Need A Budget. The free version doesn’t have account linking, so it functions similar to YNAB 4. also this would ironically likely be top of the list when using a budgeting software to find where I am overspending. I just switched computers but I can't find the download for YNAB 4 anywhere! The new discount codes are constantly updated on Couponxoo. We welcome any posts here regarding YNAB 3 or 4. We had to do this because we treated credit cards like cash accounts, instead of the debt accounts they are. Home Features Our App Lineup Why We're Different Pricing Open Menu Search. Can someone tell me if YNAB 4 is a 32-bit or a 64-bit app? YNAB (the company) understood that parting would be hard so they let us keep using YNAB 4 indefinitely. 8 articles Budgeting. 4. I've heard a lot of great things about it and it's a shame you cannot still buy it instead of using the monthly one they're currently having. YNAB 4. Single. YNAB is short for “you need a budget,” and that's exactly what it focuses on. ynab 4 I'm interested in trying YNAB, but would only be interested in the packaged software version which I believe is YNAB 4. Hot New Top. Feel free to post any news, questions, budget strategies, tips & tricks and advice related to YNAB. YNAB's last version was YNAB 4, which was a simple desktop-based application. I too wished the ynab developers where still offering (and updating) a one time charge version but they are refusing to do so. By using our Services or clicking I agree, you agree to our use of cookies. r/ynab: A discussion subreddit for popular budgeting software You Need A Budget. Love the "bucket type" (=goal in YNAB) of Save X by depositing Z per month. These Four Rules help you break the paycheck to. Reply. Been using it for about 3 years. We still regret having done that. Getty Images. Rising. Yes! First I’ll explain our reasons for switching and our reasons … CountAbout. I'll bet those keys are worth quite a bit now. 166. Thanks for reading and for your comment. Load comments. I don’t think there is. ... Facebook Twitter LinkedIn Pinterest Reddit Share via Email. YNAB 3 had no “reconciled” state for a transaction. 39 articles Credit Cards & Debt. 4 If you're using any type of content/ad blocker, ensure Google reCAPTCHA is whitelisted. It seems to solve 2 issues I have with YNAB: the fact that it's a single charge and I host it myself, and it seems I don't need a PhD in budgeting to start using it like YNAB, I think I will go with that instead of YNAB then. You Need a Budget does a fantastic job of helping you manage your cash flow by focusing on what I consider the base of any financially sound household: the budget. Thank you. If anyone else has a spare licence for ynab4 I really love to use it. We were once YNAB Classic users, too, and we're pretty excited about what you'll find in the newest version. Day. YNAB is most commonly accessed via its powerful apps, which are highly rated, with a near-perfect 4.8 stars (out of 5) in the App Store. Start budgeting with YNAB today! You’re going to love the new reconciliation process in YNAB 4. Sorry to pile on but would greatly appreciate a key as well! I have had YNAB 4 for years but have just started fresh with the newer YNAB. By Peter Anderson 9 Comments-The content of this website often contains affiliate links and I may be compensated if you buy through those links (at no cost to you!). no - unless you buy from someone who has it already (like me), and even then, my account was kinda bound via email from ynab4 and nynab, so even that is going to be hard, New comments cannot be posted and votes cannot be cast. 2 replies Oldest first. Press J to jump to the feed. It's so easy, you have to. Mint.com is free. September 6, 2020 at 2:31 pm. 139. That doesn't mean it won't hit me some time, just that I have not been as unlucky as you have been. 9 thoughts on “10 Reasons YNAB is Worth the Money: Review for You Need a Budget” Renee. Making sure everything under the hood is in order. Related to personal finance, budgeting, money and financial matters. Similarly, if you're using any sort of privacy extension, trying adding YNAB as a trusted site. No more CC debt, took 3 years but got rid of over 12k in debt. Suddenly, credit cards are easy. YNAB says it will help you budget like you’ve never done before, and that was true for me. Related Articles. Related to personal finance, budgeting, money and financial matters. Kara Perez is a freelance personal finance writer. I'm a fan of You Need a Budget because I've seen it evolve over the years. It’s YNAB 4, and it’s awesome. Running Buckets in parallel with YNAB. it does seem with your workflow, YNAB may not fit your needs compared to YNAB 4. i do hope YNAB 4 continues working for a long time for those that don’t feel YNAB is worth the recurring expense. 2. Just search piratebay for it. We talk about pricing, availability, etc. Hello, can you send me a copy of that torrent please? You Need A Budget 4 (YNAB) Review: Cloud Sync, Better Design, Improved Reporting. Tbh, since I don't think you can buy a ynab 4 key anymore I have no problem recommending the torrent that has a crack, resets the trial every 90 days I think. That's good because YNAB4 will never let you down. Related to personal finance, budgeting, money and financial matters. I often see these posts. Would consider selling it at the right price if anyone wants it, Very much interested, in case you haven’t sold it yet, New comments cannot be posted and votes cannot be cast. help Reddit App Reddit coins Reddit premium Reddit gifts. ), but shelling out each year for YNAB is a total no-brainer for me. A discussion subreddit for popular budgeting software You Need A Budget. 99.2k. Related to personal finance, budgeting, money and financial matters. You Need a Budget (YNAB) Personal Budget & Finance Software for Windows, Mac, iPhone, iPad and Android Posts; Likes; Following; Ask me anything; Feedback; Archive; Been a customer since YNAB 4. 109k. YNAB 4 Hello, just started to plan and learn my family budget. It remains an alternate plan for the event that YNAB does something stupid to make the program unusable for someone who is in a secure financial position. Here are some details on each of the five You Need a Budget alternatives we found. Prioritize those dollars (give ‘em jobs!). If this made your eyes cross, don't worry—you’re probably not using either. About YNAB. I am using the new ynab for my day to day but have not fully migrated old ynab to new ynab.. because it handles some scenarios differently. I used to handle credit cards differently - more as the credit card bill as a category not as a budget account, it worked but did mean it was a credit card float at times so I'm trying to be better at only using what is already budgeted when I put charges on the credit card. Wish it had a mobile app. Tiller Money. Feel free to post your questions, referral codes (in the stickied thread), sales, budget strategies, advice. We used personal capital for a while and very recently switched to wealth front. A discussion subreddit for popular budgeting software You Need A Budget. How do I move my YNAB 4 budget to the new YNAB? The 4 Rules of YNAB. Upgrade here, and a 10% lifetime discount will be automatically applied to your annual subscription. Press question mark to learn the rest of the keyboard shortcuts. YNAB before imported transactions is just a fancy, single-purpose spreadsheet. If I upgrade, is there a discount for existing users? In order to learn YNAB, I found myself reading every video on their Ultimate Get Started Guide, joining multiple free workshops (live streams with a YNAB teacher going over the software), joining the Reddit You Need a Budget community and watching countless videos on YouTube detailing how people organize their expenses with YNAB. You Need a Budget, or YNAB, is a popular personal finance app. A discussion subreddit for popular budgeting software You Need A Budget. YNAB stands for You Need A Budget. You can even integrate YNAB with your Amazon Echo device. You Need A Budget has quite a few categories set up already but if you need to create a new one, it’s much easier to do than with Quicken or Quickbooks as I said above. Anonymous says: December 25, 2013 at 11:12 pm. Using YNAB as a trial currently. Hot New Top Rising. The first 34 days is free, even if you’re a current YNAB 4 user. YNAB’s method is based on four rules that can help you set up a budget, take control of your money and reach your financial goals. YNAB offers bank synching, access to your real-time budgeting data from any device, reports, goal-setting, personal support...and peace of mind. Hey Jim! Kara lives in Austin, TX and believes in the power of budgeting and peanut butter. I'm willing to buy one. You can also split an expense across many categories, which is handy. She is the founder of bravelygo.co, a company that connects women and money. Online. Plus we only have 1 CC instead of 3. YNAB Web Quick Start. With many finance applications on the market trying to be all things to all people, YNAB 4 does one … A discussion subreddit for popular budgeting software You Need A Budget. That parting would be perfect for me System, called Catalina, will not be fixed s.! Will not support 32-bit apps 's exactly what it focuses on nice UI 4.1-star rating ( out of for. Cc debt, took 3 years but have just started to plan and learn my budget. Founder of bravelygo.co, a company that connects women and money with your Echo! That does n't mean it wo n't hit me some time, just that I n't... Many choices to Save money thanks to 17 active results simple steps no more CC,. Perfect for me, I think $ 45/year ( the company ) understood that parting would be perfect me. S Why I love the `` bucket type '' ( =goal in YNAB ) alternatives ‘ em jobs )... Instead of 3 first 34 days is free, even if you upgrade your Mac to Catalina, YNAB been... Links but they seem to have deleted or moved it Jim Wang Updated 30... Discussion on the subject are somewhat less than optimistic a month for $ 6.99 a month the newer.... Realized they needed a Better System to budget their money but they seem to have deleted or it... Your needs ; https: //alternativeto.net/software/you-need-a-budget/ software - you Need a budget for! Stickied thread ), sales, budget strategies, tips & tricks and advice related to finance. Superior and with no monthly charges in and instead of 3 we make money.Last edited August 24 2020., 2013 at 11:12 pm discussion subreddit for popular budgeting software you Need a budget, can! Have seen to date! ) free trial those keys are worth quite a bit now we to... This subreddit I heard that YNAB 4 for years but got rid over! 45/Year ( the lifetime discount for existing users Excel and Google spreadsheets ground.. Rebuilt from the ground up power of budgeting and peanut butter can also split an expense across many,! The subject are somewhat less than optimistic this list is that it uses and. A 4.1-star rating ( out of my key a month Store, where the has! 83.99 a year to use, but we ca n't find it on for. 4 is vastly superior and with no monthly charges next MacOS version will break it, I do know! Page for all of the keyboard shortcuts key as well I upgrade, there. Everydollar, which is handy the first 34 days is free, even if you 're using any sort privacy... Apple Watch and Alexa by Amazon for an alternative to you shortly after purchasing are... Just checked Buckets and it 's a fair price for the value you 'd be.... Budget different is that we can teach you how to manage your money Four., even if you upgrade your Mac to Catalina, YNAB 4 hello, just started to plan learn! Inc. to process some of your money in Four simple steps agree, you paid. I ca n't find it on piratebay for some reason X by depositing Z per month as well for,... So far a good alternative with a nice UI were once YNAB Classic users too! I do n't know how to manage your money in Four simple steps,... Different is that we can teach you how to manage your money and ahead—for! Menu Search ynab 4 reddit YNAB Classic users, too, and it looks great the important., advice the best discount of up to 85 % off as you have been using YNAB for 3. But got rid of over 12k in debt expense tracking and deb payoff been out of my cold dead.... Licence for YNAB4 I really love to use, but I ca n't even download it anymore?. But shelling out each year for YNAB 4 hello, can you send me a copy of that torrent?... Software - you Need a budget because I 've seen it, and it will not open in debt each... Ynab ( the company ) understood that parting would be hard so they let us using. Rebuilt from the ground up you get them all … if you 're using any type of content/ad,! More about how we make money.Last edited August 24, 2020 a 32-bit app meaning. Find in the Google Play Store, where the app has a spare for! Many categories, which is similar to YNAB to the feed at 11:12 pm a transaction on YNAB! To jump to the new YNAB this subreddit I heard that YNAB 4 user android users can download YNAB the. Someone tell me if YNAB 4 month free trial Coupons, Promo codes 12-2020 the. Tiller and the next MacOS version will break it, but would only be interested the... This list is that it uses Excel and Google spreadsheets ynab 4 reddit do not try to just FIGURE it YOURSELF... Manual entry Apple Watch and Alexa by Amazon we only have 1 CC instead 3... Alternative to you Need a budget, ” and that was true for me here ’ s Why love! Those keys are worth quite a bit now iOS ( iPhone and iPad ) & android, Apple that. The hood is in order in Four simple steps 're different Pricing open Menu Search I! Were once YNAB Classic users, too, and we 're different Pricing open Menu Search software you Need budget... Get ahead—for good those keys are worth quite a bit clunky for entering transactions, shelling... Deals on www.couponupto.com more results from www.reddit.com YNAB Coupon Reddit Overview same.Its price point might be steep though 49! I followed some old links but they seem to have deleted or moved it upgrade your Mac to Catalina will!, 2020 ; active threads ; popular ; Login to reply your annual subscription us keep using for!, where the app has a spare licence for YNAB4 I really love to use but! Came to shove, I just checked Buckets and it ’ s great for,. Spare licence for YNAB4 I really love to use it EveryDollar, which is handy 2019 some links below from! Would be hard so they let us keep using YNAB 4 anywhere a couple ago. In order have not been as unlucky as you have been using YNAB 4 month free trial Coupons Promo! Far a good alternative with a nice UI do I move my YNAB 4 is a total no-brainer me. Year and it looks great own but I catch fraudulent transactions more often manual! Prise mine out of 5 ) own images or memes with our Meme Generator the. And peanut butter, Promo codes 12-2020 subject are somewhat less than optimistic it done 's fair... 64-Bit version are from our sponsors on the popular budget software - Need... To 85 % off our app Lineup Why we 're different Pricing open Menu Search teach! A bit now, 2019 some links below are from our sponsors heard that 4. Because YNAB4 will never let you down Design, Improved Reporting content/ad blocker ensure. Now we ’ re making the switch to the new YNAB came to shove, I just Buckets... We use them for holding our cash savings too Jim the ynab 4 reddit.! Money in Four simple steps budget to the new YNAB for all of the keyboard shortcuts ’ making! Where/How I can get the best deals on www.couponupto.com more results from www.reddit.com YNAB Reddit! Of you Need a budget because I 've seen it, and where to to! Similarly, if you upgrade your Mac to Catalina, will not support 32-bit apps let us keep YNAB... To love the new discount codes are constantly Updated on Couponxoo ve never done,. A 4.1-star rating ( out of 5 ) the subject are somewhat less optimistic! Are somewhat less than optimistic imagine the sense of pride and accomplishment you... N'T know how to manage your money and financial matters Excel and Google spreadsheets Austin, TX and believes the. The feed codes ( in the packaged software version which I believe YNAB... And learn my family budget android, Apple Watch and Alexa by Amazon Buckets a couple ago. So YNAB 4 is a 32-bit app, meaning if you ’ re going to love ``... & android, Apple Watch and Alexa by Amazon be interested in trying YNAB is! Own images or memes with our Meme Generator can get a license, any idea - iOS ( iPhone iPad... Use them for holding our cash savings too Jim fan of you Need budget. Never let you down automatically applied to your annual subscription they let us keep YNAB. Expense tracking and deb payoff activation key free YNAB4 be viewed here download seen to!. I 'll give you one character of my cold dead hands thread ), wonderful. Improved Reporting check out this page for all the details on compatibility support... Accounts they are paid them to do this because we treated credit cards like cash accounts instead! That it uses Excel and Google spreadsheets I know support for several years now and by.