I switched. I like buckets a lot but it isn’t nearly as refined as YNAB. Still, it meets my needs. I use beta-bridge.simplefin.org for bank sync and I find it to be less buggy than YNAB used to be.
Pros: inexpensive/free, good bank sync (for me) Cons: not browser based, finding out average spending for categories isn’t as intuitive, reports not as nice, etc.
I didn’t miss that part. I was responding to your main point about “propaganda from the credit card companies”. If it’s not propaganda and you got your money back almost instantly… then why are you still jumping through hoops to protect your money? 🤔
I’m glad that your one single experience trumps the experience of hundreds of thousands of other people who’ve gotten in a jam with a debit card. Good for you.
A debit card is not recommended for day to day. If it gets picked up by a skimmer or otherwise used in a fraudulent manner, your bank account gets debited until the investigation is done.
This can take months and can involve large sums of money.
With a credit card, no money leaves your bank account during the investigation.