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A comment on The Golden Rule of Personal Finance. Parent comment

Re:The Golden Rule of Personal Finance by onetimename on Thursday November 10, 2022 @08:28AM (#33546078)
As a former user who switched to Amex credit cards for all spending, it’s key benefit of automation is ruined.

I don’t think it’s entirely YNAB’s fault. But having to manually input each credit card transaction doesn’t make me feel it’s worth the monthly charge. Then it just becomes a spreadsheet.

EDIT: that is— the lessons are excellent and the mindset is important. But it’s monthly cost is another issue.

[ Parent | on HN ]
Re:The Golden Rule of Personal Finance by mattw2121 on Thursday November 10, 2022 @08:34AM (#33546155)
(I'm not here to promote YNAB, I promise I'm just a happy user and not affiliated).

I use my AMEX for 90% of all spending. No issues importing transactions to YNAB. Sometimes there is a 1-2 delay, but they do import.

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Re:The Golden Rule of Personal Finance by ljoshua on Thursday November 10, 2022 @09:09AM (#33546636)
Lucky! I love YNAB, but I'm glad that 95% of my spending is on my non-Amex cards and accounts, because the Amex accounts only sync successfully once in a blue moon, even after repeated reauthorizations. Any tips?
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Re:The Golden Rule of Personal Finance by mattw2121 on Thursday November 10, 2022 @10:37AM (#33547972)
They have multiple import providers. I am set up to use Plaid. If you are using another it could be the cause of your issues.
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Re:The Golden Rule of Personal Finance by bambataa on Thursday November 10, 2022 @08:47AM (#33546291)
Why does using Amex stop you using YNAB? Syncs fine for me.
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Re:The Golden Rule of Personal Finance by onetimename on Thursday November 10, 2022 @09:17AM (#33546748)
Luck I guess. I originally stopped using it when I got an Amex card because of sync issues. Tried it again recently and it was still the same.

Maybe I was spoiled with near instant syncing on my debit card, I used to categorize the gas i just paid for before leaving the lot.

But again, at 15 a month, that’s a lot of effort for a gui on top of a spreadsheet.

The benefit for me was quick transaction logging and categorizing, then a weekly/monthly check up. But with sync issues, those check ups became categorizing sessions, and just took too much time.

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