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Personal Finance |
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You Need A Budget Pro - Personal Finance Software Program
Studio : You Need A Budget
by You Need A Budget
Model : 1.2.6
Platform : Windows Vista, Windows 2000, Windows XP
Publisher : You Need A Budget
Availability : Usually ships in 1-2 business days
UPC : 793573437488
Avg. Customer Rating: (based on 64 reviews)
Our Price : $49.95
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Benefit from four unique, powerful rules for maximizing control over your money
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Be up and running in just minutes
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Gain financial peace by tracking all of your spending (dining out, groceries, bills) with one simple interface
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Save time by importing your bank transactions
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Generate reports, schedule recurring transactions, and GAIN CONTROL.
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Product Description |
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You Need A Budget (YNAB) Pro cuts to the chase with your finances. The software focuses you on the foundation of your finances: the Budget. Experience has shown that when your budget is intact, and functioning correctly, everything else takes care of itself (the bills are paid on time, retirement contributions are made, and unnecessary debt is eliminated). The software is built around Four Rules of Cash Flow. These Four Rules will help you maximize the value of every dollar, get out of debt, save for retirement, and reach your other financial goals. Where other software packages tend to be the products of years of feature creep, YNAB Pro offers you exactly what you need: a simple, straightforward system to manage your money. |
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It is the easiest and most logical software I have used for Budgeting |
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This is the easiest most intuitive software I have used for Budgeting, and I have tried a few. I finally resolved to use Excel until one day I happened across YNAB. Now my days of hours and hours entering my receipts into categories is over. YNAB allows me to download from any of my credit card or banking accounts. All I do is assign the category and I am done. I also like the theory behind the product and all the free help they give you to get on top of managing your money. There is nothing better out there. |
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Excellent |
i searched for years for budget software that actually helps you manage money properly. I used them all and this one has to be the best. It is a bit hands on but it is supposed to be. It is meant for you to roll up the sleeves and get intimate with your money. If you can't handle that and don't want to face the ugly truth about how careless and reckless you have been then this isn't the program for you.
I can't say enough good things about this. I went from very in debt to purchasing a new TV AND laptop for cash. It took about 2 years and I'm still working towards several financial goals but this software has helped me keep an eye on my spending and helped me save up for the things we need/want without using credit. There is nothing more satisfying in life than paying cash for big ticket items!
Again...The first few months are a wake up call. This requires a change in lifestyle and attitude. It is well worth it.
After reading some of the negative comments I do want to make clear that this program is about the method of budgeting. It's not an account management piece of software like money or quicken. In fact there are some people who still use those along with YNAB. It is extremely important that you read the manual. You watch the tutorials and understand the what the software is trying to accomplish before you just throw numbers in the spreadsheet. Failing to do so will lead to frustration. I personally don't download anything from the bank. I want to do it manually, This way I feel accountable for every time I use my money. Again, this is the change in attitude I am talking about. |
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LIFE CHANGING from a Former Microsoft Money User |
I was looking for a book about Microsoft Money Plus on Americancivilwar.com....and was intrigued by this program. I am so glad to make the switch. If you can't purchase here, find a way. :)
I have been using MS Money since 2004. It is great at tracking the past. I have great data to use for numbers in my YNAB budget. I was frustrated with MS for a few reasons.
1) Some things I spent and catagorized were not showing up in some reports even though they were entered correctly (how do I know anything else is accurate?)
2) I never really learned how to use it "correctly" because support is next to nothing on it.
3) I ran into a limitation when I tried to put in the car we just refinanced and I couldn't put in any "early" payments. Apparently no one in the world would want to make a payment before it was due and want to keep track of interest on a loan. Our car is our highest effective interest rate at present and we are looking to knock it out in a hurry.
4) I also question the logic behind some of the assumptions the program makes and don't get a satisfactory explanation.
5) Uncertain of tracking of credit card charges in cash flow forecaster (was dropping numbers). Despite this, I liked the cash flow forecaster concept because it was the only real clue I had to go forward in time. Still this is being at "effect" because I couldn't fully control enough of the assumptions (and if I changed one, it only would show me 3 months).
I am working on a workaround to project forward in YNAB Pro, and will update my post on their support forum if it works. Actually found many suggestions on the forum and tweaking my own as of this post.
Now we are at CAUSE, bossing our money around.
Because of previous experience working in Money, YNAB Pro forced me to sit down and look at what I really want to record and how, to learn the program as intended (from tutorials) and get answers to questions (through the discussion board). In some cases, there isn't one way to do things, there are "ways" and then I may think of my own way. Which I have. Flexibility is a wonderful attibute of the program. It is intuitive, but it did take some work and thought (mainly because I want more out of a program than the average person). As I've worked through it, many times I have thought, "That was something that used to bug me in Money AND YNAB DID IT SO MUCH SMARTER."
I was going to continue using Money, but Pro forced my bank downloads to it. I don't care. I don't need the other program. I can go back to look at old numbers anytime. I'm looking to the future...
I'm going to go to online bill pay instead of printing my own checks and got a good old fashioned check book for church. (I almost forgot how to write one.)
The "buffer" concept is brilliant.
I actually set up master catagories based on our goals and put in there where we WANT to be.
I combined budget ideas from an article "the 60% solution" that popped up in Money a long time ago, (the only one I ever read) but was clueless as to how to implement within their program... Go to MSN and search for the 60% solution.
I looked at ideas from Secrets of the Millionaire Mind: Mastering the Inner Game of Wealth by T Harv Ecker.
I looked at Dave Ramsey's suggested amounts from one of his books I looked at for free in the bookstore. I put those within the notes beside each section of my subcategories (LOVE THE NOTES FEATURE).
I also think it is important that you prioritize what you want. I decided to call things positive names so we are always going toward what we want.
We now have a strategy.
We have a plan.
I believe God wants us to master our money, otherwise it will master us.
I thank God for this program, its creators, those who support it through their time on the boards. SUPPORT SUPPORT SUPPORT. Truly exceptional.
You Need A Budget ... you do. But you also really want one if you want to be in charge of your money.
God bless.
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Hands down, the best budgeting program ever created |
I bought this 6 months ago and found it to be the best investment I ever made. You'll quickly learn whether your living within your means. If your serious about getting out of debt or just want a sound budgeting program, here it is. YNAB Pro will give you the information you need to change your spending habits.
YNAB quickly automates what people spend hours doing every month, trying to figure out what needs to be paid, what has been paid, how much money is left, and save for future expenses that get billed 3,6, or 12 months out.
I highly recommend YNAB Pro for yourself and also as gifts for friends and family. |
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Excellent software |
This software is excellent! It does a great job of helping you keep up with your budget. Quicken does a horrible job at the budgeting side of things. The latest version also has great performance improvements.
I like the clean interface without all the advertisements that Quicken has embedded in it. YNAB also doesn't force you to upgrade every year or so.
The biggest weakness is in reporting, but that is high on the todo list for the developers. |
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