bunq Together

YNAB en Bunq

Robijn

Beste mensen,

Ik wil gaan beginnen met het bijhouden van een online huishoudboekje. Het liefst doe ik dit via YNAB omdat ik er veel goede verhalen over heb gehoord. Ik heb verder totaal geen kennis over coderen o.i.d. Is het mogelijk om deze accounts te koppelen aan elkaar en werkt dit smooth of adviseren jullie mij om toch iets anders te gebruiken. Ik zat ook te denken aan grip, echter heb ik het gevoel dat YNAB chiller/beter is.

Hoor graag van jullie en fijne dag verder!

Roeshimi

Robin de Jong YNAB does not have a direct integration of bunq. They would have to build that, but they do not seem to care much about European banks in general.
I'm a YNAB user myself and do like it, but I'm currently trying to use the many bank accounts at bunq as a replacement for all the budgets. I'm not quite there yet, but I' getting there I think.
Thankfully I'm a long time YNAB user and so still pay the old subscription pricing. If I were new to them, I don't know if I would pay 84$/year for that

Robijn

Roeshimi

Allright, thanks a lot! I think I will start with the 'many bank accounts' too. YNAB has some good free content for budgeting skills so I think I will use that for stepping up my budget game.

Roeshimi

Robin de Jong Yes that's a good way to start I think. Also try to not overthink it, i.e. simplify your budgets. I'm kind of "spoilt" by YNAB and have a lot of budgets that I now try to fit into the bunq account model.
For example, instead of having a budget for your mobile bill and one your water bill etc. you could have one account where both take their money from (if that fits your needs of course)

Heda

Robin de Jong I used to use bunq for budgeting too a few years ago. Then I discovered ynab and ever since then I am in love with it. Especially with the expansion toolkit for ynab ynab is by far the best way to budget I have ever encountered. You can’t compare this to budgeting with bunq at all.

FYI you can try out ynab for free for 4 months. There is a special link you need to sign up to (the standard link only gives you 34 days). Just google For stacksocial ynab.

Leonwolv

Volgens ondersteunen zij alleen Amerikaanse banken

Leonwolv

Ik heb nog even wat uitgezocht maar je kunt tijdens het proces van account koppelen. Een verzoek doen tot het toevoegen van bunw

Jakob-Y

I just use Wesselt‘s bunq2ynab scripts and it‘s actually a very smooth experience. I tried to budget with accounts at bunq, but I switched back to a single account because YNAB works better for me.

Roeshimi

Jakob This does require to use a computer whenever you need to sync your YNAB budgets with bunq right?

RvdH

Roeshimi I put a readme and some code on https://github.com/rvdh/aws_lambda_bunq2ynab to run the wesselt code on AWS Lambda.

Jakob-Y

Roeshimi I let it run on a server of mine. It can listen to callbacks from bunq and then sync on-demand. So when I do a card payment (or if there is any other kind of event on my account), it will then start the syncing process automatically. You can also just do manual one-off syncs, though, if for some reason you can't or don't want to listen for the callbacks.

Works well, and not really complicated in the grand scheme of things, but probably too hard to setup for the average user. Hopefully this will change at some point.

Roeshimi

Rick The bunq2ynab version used in your repo seems to be pretty old. Is there a proper way to get the latest version of bunq2ynab into the deployment package (sorry if that's a noobish question).

Roeshimi

Jakob Thank you both Jakob and Rick

Roeshimi

Jakob I guess I misunderstood how this tool works. I thought it would also match transactions and categories and you would not have anything to do at all. But it seems to me that it "only" imports transactions from bunq into YNAB and you have to categorize them yourself.

Jakob-Y

Roeshimi YNAB will remember the categories after the first time so in day to day use there‘s seldom a need to categorize a transaction. When you synchronize for the first time, then indeed it can be a bit cumbersome.

Roeshimi

Jakob Got it, Thx.

RvdH

Roeshimi You're absolutely right, I never updated it. I'll try to update it soon.

Edwin-Red-Lion

Roeshimi Since you are using bunq2IFTTT as well, the following may be useful to you:

https://github.com/woudt/ifttt2ynab

This allows control over the classification: either use the built-in learning classification system as provided by YNAB or override it yourself.

RvdH

Roeshimi The code has now been updated. It now runs on the Python 3.8 runtime and will sync every bunq account to a YNAB account if the latter exists with the exact same name :)

crclassen

In eerste instantie was het idee van YNAB om handmatig alles in te voeren. De theorie hierachter is dat je je nog bewuster wordt van elke aankoop en daardoor meer grip krijgt op je giraal geld. Tegenwoordig hebben ze auto-import (koppelen van rekening), maar de meningen zijn hierover verdeeld.

Wat betreft het meerdere accounts beheren als budget potjes, daarmee wordt het reconcilen heel erg veel werk. Ik zou dan ook tegen adviseren. YNAB werkt als een 'schil' om je bank heen. Het idee is dat je niet op je rekening kijkt, maar op de YNAB app of er nog ruimte in je budget is, niet of er nog geld op de rekening staat. Daarom kan YNAB zelfs het beste gebruikt worden met één rekening en één spaarrekening. Ik zou je echt adviseren om de starters guide op de website of de youtube serie te kijken voor je begint.

Persoonlijk zou ik niet over gaan op auto import ook als de integratie er wel komt. In het verleden heb ik gewerkt met dingen als Spendee of AFAS en auto import heeft toch niet hetzelfde effect als handmatig invoeren.

Edwin-Red-Lion

Chris Chris, I do agree with you that if you classify each transaction individually, this is even better.

However that doesn't mean you have to enter every transaction manually. They way I have setup my YNAB integration is that whenever there is a transaction, the transaction itself is automatically imported into YNAB (real-time), but left as 'uncategorized'. Then YNAB gives me a popup that I need to classify a transaction and when I do I immediately see the effect on my budget.

RvdH

Chris Even with auto-importing you still have to Approve each transaction, so the "making yourself aware" part, for me atleast, is still there.

Of course my whole job is automation, so I'm a bit biased :)