<prompt> Human: Im thinking about buying YNAB because its on sale, but I have a few questions about it and budgeting software in general first. Ive been casually using mint for a little while, but I find that it doesnt help much because of my personal situation, which I dont think is that rare. My boyfriend and I live together. Weve always kept receipts for groceries, bills, etc., which we add up at the end of the month. We split groceries 60-40 he eats a lot more than I do and restaurants, bars, gas for weekend trips, bills, and rent 50-50. The problem with mint that Ive found is that while I may have put 350 in groceries on my debit card this month, he spent 100, so at the end of the month hes going to give me 170, probably in cash. So really I only spent 180 on groceries, but mint thinks Im spending way more. This is a simplified example, but you get the point, right? I guess what Id prefer is manual entry? Im not so good with Excel, but maybe someone could point me in the direction of some sort of template to get me started. Those who have used YNAB, do you think it would it fit my needs better? Any answers or comments are greatly appreciated! Happy budgeting!  <response>: Okay, so in YNAB, you would budget your portion of the groceries into the Groceries category say 180. You enter your transactions during the month 350. YNAB will tell you that you are over your budget by 170. When your boyfriend pays you, this is another transaction into the Groceries category for 170. Then YNAB will be happy and give you a 0 balance because at the end of the month its all reconciled.You could also set up two Grocery categories: My Groceries and BFs Groceries. YNAB lets you split transactions. So you go to the grocery store and buy 100 worth of Groceries. When you enter it into YNAB, you tell YNAB to split the total between the two categories. It will show up as one 100 transaction on your bank account, but on the budget it will show 40 in your category, and 60 in his category.If this is hard to explain I will try to take some screen shots for you lol. Personally I would use the split categories thingy. 