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You Need A Budget (YNAB) - Personal Finance Software | 
| From: YouNeedABudget.com
Category: Software
List Price: $69.90
Buy New: $59.95
as of 9/4/2010 05:21 CDT details
You Save: $9.95 (14%)
Seller: You Need A Budget
Rating:  165 reviews
Sales Rank: 141
Format: CD-ROM
Platforms: Windows, Mac OS X, Linux
Media: CD-ROM
Operating System: Mac OS X, Linux, Windows, (Windows 7 / Vista/ XP / 95, / 98 / 2000 / ME / NT)
Shipping Weight (lbs): 0.1
Dimensions (in): 7.5 x 5.3 x 0.5
Model: 1.2.6
UPC: 793573437488
EAN: 0793573437488
ASIN: B000QO76HU
Shipping: Eligible for FREE Super Saver Shipping
Availability: Usually ships in 24 hours
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| Features:
| • | Mac OS X, Linux, Windows, (Windows 7 / Vista/ XP / 95, / 98 / 2000 / ME / NT)
Mac OS X (10.4.11 / 10.5.4 / 10.5.5 / 10.6), Linux (Fedora 8 and later / Ubuntu 7.10 and later / OpenSuse 10.3 and later) | | • | Stop living paycheck to paycheck - Get out of debt - Save more money faster | | • | Benefit from four unique, powerful rules for maximizing control over your money | | • | Gain financial peace by tracking all of your spending (dining out, groceries, bills) with one simple interface | | • | Be up and running in just minutes, also save time by importing your bank transactions | | • | Generate reports, schedule recurring transactions, and GAIN CONTROL. |
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| Editorial Reviews:
Product Description
Praised across the internet as hands-down the "best budgeting software", You Need A Budget (YNAB) 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 break the paycheck to paycheck cycle, get out of debt, and save more money faster. Where other software packages tend to be the products of years of feature creep, YNAB offers you exactly what you need: a simple, straightforward system to manage your money.
Remember to take advantage of YNAB's fantastic support resources: video tutorials, and free live budgeting classes for any and all interested!
YNAB is built on the powerful Adobe AIR platform, which means you can run it on Windows, Mac, or Linux!
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| Customer Reviews:
Showing reviews 1-5 of 165
 Great software May 16, 2007
Cady (St Pete, FL USA)
149 out of 155 found this review helpful
YNAB Rocks! In a truly frightening kind of "I spend that much money on THAT!" way but in a great way because you can see the impact of your daily coffee habit on your car insurance payment 6 months away.
YNAB allows you account for all your annual bills in 1/12 increments and then when they roll around the money is there to pay for them.
The heart of the YNAB system is a "buffer" which is comprised of last months paychecks in order to allow you to save this months paychecks. You can only live on last months money that you have budgeted into categories beforehand. The premise is that you are never broke and will not have to worry about fluctuations in income if you are living on what you have ALREADY earned.
So the buffer is one full months income. So I'm earning May's income and it is just pouring into my checking and sitting there. Also sitting there is all of April's income. April's income is what I'm paying my current bills with. May is accruing. And I'm budgeting for June's expenses with an eye to leftover April income instead of instantly using Mays.
The way I'm beginning to think of it is: Quicken is a snapshot of yesterday. YNAB is a crystal ball showing me the future.
This is a stand alone piece of software that can download transactions right from your bank so if you use a debit card you don't need to enter receipts for things. I can also say the tech support is the most amazing I have ever dealt with. I sent in a bug report and within 15 minutes had email waiting for me telling me to delete a particular font and then it worked perfectly.
Two thumbs way up but only if you want to see all the leaks in your money handling.
Straightforward, solid BUDGETING software November 23, 2007
Ted Wallace (Seattle, WA)
83 out of 85 found this review helpful
I earn a good living. Yet earlier this year, several months after buying a house and getting settled back into the swing of things I couldn't escape the notion that my family was living beyond its means.
And we were. And YNAB helped me see it.
I'd previously used Quicken and Microsoft Money in an effort to do budgeting to no real effect. The truth is, Quicken and Money are more about having fancy checkbook registers than they are about helping you identify and conform to a budget. This is where they fail.
YNAB is straightforward and it does one thing, and one thing only -- it helps you create and manage a budget. With careful record keeping, you can do the same thing YNAB does with a pen and paper, or with Excel -- but the software is simple and easy-to-use and readily imports transactions (without fail) from my banking institutions.
I used to worry that the number in my checking account may not be enough to make everything come together. I can unequivocally state that now... I just don't care. Because of YNAB, I absolutely know that there's always money enough for anything that's going to come along.
YNAB has helped me exercise some discipline and do so without significant data entry or long, tortured sessions at the computer. If you're looking for something to help you manage your budget this is the software you should get. Ignore the name brands that simply aren't up to the task.
The Last Budget Software You Will Ever Buy May 16, 2007
Michael C. McCormick (Memphis, TN USA)
71 out of 73 found this review helpful
If you are like me you have copies of quicken and money on your shelf, plus hours invested in trying to make them work for you all ending in frustration because you didn't have a working budget...the money still disappeared the same way. Like me you may have taken excel and spent hours developing a custom model. And that sort of worked but took tinkering all the time, but you had given up hope of ever finding anything that worked like you need it to work. That was me and then one day google magic struck and YNAB came to the top of the list, I don't know what search terms I used, why I hadn't used them before, but I found a program that sounded simple and just like what I had been trying to create. The 4 rules had sounded like the discipline from one of my professors in school. The fact that it was an application assured me that the tinkering had been done by someone else, and so after searching the forumns and seeing that the owners where even participating; I bought the program.
Well, I have never looked back. This program does everything you need it to do, It allows you to track through the months those major expenses like tuition, property taxes, and insurance, while tracking the small stuff too. The object is gradually build up a buffer so that you are constantly living on last month's income which is what over financial gurus would have you do they just call it different things. The budget, once setup is very easy to use...Setting it up only requires picking a starting place, naming your budgeting accounts,getting your bank balances entered, and oh yeah, i would recommend reading the quick setup guide at least. Once there you can enter transactions manually or download from your bank accounts or credit cards. Enter paychecks in as much detail as you like or just enter your net, it is not nearly as complicated as other programs I have dealt with in the past.
The best part about this software is that new features are constantly being added. There is a new Features forum on the bulliten board and believe me, the programmer and owner are taking notes. Even in my short time I have seen several things added to the program, with many more on the list to come soon.
This software is worth every penny.
Software & Methodology in one package! May 21, 2008
karenj2 (Philadelphia, PA)
18 out of 18 found this review helpful
I found this software through a budgeting forum, and tried it out. I wasn't expecting much - I've used an Excel spreadsheet, Quicken & Mvelopes before, and didn't have much "success" with them. Those programs worked fine, but I needed to BUDGET my finances, not track where I spent my money after the fact. So, I bought this program, and after a bit of reading (there's a great guide) and surfing their forums for help, I got it figured out! Now, I've got my life budgeted - I can spend money on the fun things in life without worrying that I'm taking money away from something important (you know, like mortgage, car loan, etc.) because I saved for it.
Just a FYI - because the program is based off of the common sense "rules" that the developer created, it might take a bit before you have that lightbulb moment... And, the program isn't designed to let you blissfully automate your spending - you NEED to track your money, and be more aware if you're going over your budgeted amounts.
Just Great! August 6, 2007
WorshipMeister
31 out of 34 found this review helpful
I've been looking for a good financial program for years. I've attempted MS Money but it just didn't cut it. Reviews for Quicken have continued to go down...so I didn't even try it.
Then just last month, I stumbled into the world of YNAB. The dreaded 'budget' is what matters most when it comes to household income. Fortunately, I was able to start the program well into YNAB's step 4. (Actually, I was only on step 2, because I didn't have the software to help me be certain I was giving every dollar a job.)
This software is just great. It has an automatic 'scheduler' function that will automatically show the inflow's and outflow's of my family $$, as many things such as paychecks, rent, utilities, and even tithing occur on a scheduled basis. It quickly shows how much total $$ we have available in our 'budget'. And there's many other features you can easily see over on ynab.com.
Finally, I should make note that this is not a checkbook register to tell you how much $$ you have in your account. Currently, it focuses on the essentials...your budget. However, the software is always being improved upon, and all updates are free. That's right...you won't have to purchase YNAB 2008...the new features will download for you automatically. Rumored future features include account designation abilities, so that you can not only budget appropriately, but then check the amount of $$ you have in each of your accounts, as well as many, many more.
Also, the author of YNAB has designed a 10-day budget boot-camp, to help you see the importance of the monthly budget, free via email. There's other free extras as well...you really have nothing to lose.
If you're living paycheck to paycheck...buy this software. If you are living in financial peace, but know you can be a better steward of your money...but this software. If you're frustrated with Quicken or Money...buy this software!
Showing reviews 1-5 of 165
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