So i've recently started a new/proper/recorded budget with the help of YNAB software. I can confidently say that i'm hooked and am really enjoying the freedom/restrictions that the budget has set me. Does anyone else use YNAB and have any tips? Their forums are pretty good but often hard to follow. I'm open to looking at alternative software (I used to have an excel spreadsheet but it was too hard to get my partner interested when it looked so technical). Does anyone use anything alternative they like?
I am also in the market for a new joint account for my partner and I. She and I each have our own bank accounts, and another (under my name) which we use as a joint account but it only has one Eftpos card. We would also like a joint Credit Card so we can cancel our individual ones now that we're getting them down to zero with the budget. Can you get joint CC's? Is there any con i'm blatantly missing?
We'd like to abolish my old 'joint' account and get a new one.
If we move to a new bank (or even just get a new account at the same bank) can they automatically transfer my direct debits/payee's etc over for me or do I have to set these all up again?
FWIW, we have a son and have been together 9 years, I trust her and she trusts me. We don't own any property (yet) but that's the midterm goal. Neither of us have any burning desire to use one bank over another so are completely unbiased in our decision at this time.