<prompt> Human: I see a lot of things posted on here for YNAB. So what exactly is so great about it? Whats different about it then Mint? There are numerous excel spreadsheets that could be used to monitor accounts. Is it the convenience of it?  <response>: mint is good at telling you how much money youve spent on stuffYNAB is good at telling you how much money you have left to spend on stuffalso the budgeting values on mint only change when somethings cleared, so if you base your spending on that, you might end up spending money you dont have because the values inaccurate and not reflective of money youve spent but that hasnt cleared on the bank sidealso one real nice thing is having the mobile app to put stuff in, cant really do it with excel spreadsheets as much besides maybe workarounds if you do like google drive or something 