You Need A Budget (YNAB) Review, Personal finance budgeting software
You Need A Budget (YNAB) is a money management software based on the YNAB Methodology. The YNAB methodology has Four Rules for handling your money that focuses on the budget rather than the account balance. These rules are:
- Stop Living Paycheck to Paycheck
- Give Every Dollar a Job
- Save for Rainy Days
- Roll with the Punches
To make your life easier, YNAB offers personal budgeting software that is built to help you follow these Four Rules. The YNAB budgeting software comes in two flavors: YNAB ($24.95) and YNAB Pro ($49.95).
If you purchase YNAB Pro, you’ll also receive The YNAB Way (value at $11.95). This book walks you carefully through the YNAB Methodology, from its conception to the bitter, boring end. It’s jam-packed with the WHYS and HOWS behind YNAB. Even without the software, this book will revolutionize the way you think about your money.
The software comes with 60-Day Moneyback Guarantee, so you can try it out and ask for a refund if you don’t like it.
User Testimonial
I second the endorsement/recommendation of YNAB…it is both a budgeting AND a lifestyle tool: you spend today’s earned money next month and you accrue in your monthly budget those expenses that are foreseen, but not imminent. I am NOT exaggerating when I say that I had tried 5 different software and nothing seemed to click – but within a month of using YNAB, the light bulb had come on… In the past 9 months of using the software, our family went from living paycheck-to-paycheck with $2500 in credit card debt we just couldn’t seem to pay down to having 2 mos. pay IN THE BANK (the start of our emergency fund), no credit card debt and a PLAN for the future. You see the impact of your day-to-day spending choices, it enhances budget discipline and it enforces planning…It really is that good! — Michelle
User Rating
(5.00 out of 5, 3 votes)
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I cannot recommend this software enough. Over the past year, I have followed YNAB’s four rules to the “T” and have been able to eliminate almost all of my debt. If you are in debt or just need help setting up a budget to hold you accountable for your spending, I highly recommend you try YNAB.