Here are a few things about the YNAB application: As it is, I’m continually on the prowl for financial planning and expense tracking applications that have effective “paradigms” and offer efficient approaches. I’ve also tried Mint for a bit and found it quite helpful, though I’ve only got it linked to a few of my accounts. In the interest of disclosure, I already own Quicken though I like using my familiar self-generated spreadsheets for most of my money management work.
I do my family’s finances mostly, but I’d like for me and my spouse to have the same easy access to our financial information.Īnd so it would come naturally to me to be interested in a product that may - on the surface - look like it may actually fit my particular needs.Now that I’m self-employed, my income is fairly erratic. If the application is too heavyweight, then I may not use it for long. I don’t like complicated applications dripping with bells and whistles that I don’t need.Still, with online tools, your info remains in someone else’s server.
The safety of my money away from prying eyes and potential hackers is paramount to me - not that this hasn’t been addressed to some degree by online money management tools already. I built it myself, hairy formulas and all! I use my own customized money management system using everyone’s favorite spreadsheet, Excel.But with lowered incomes in recent years, we could use a better budgeting approach! I get a big picture snapshot and work with loose parameters. I am not big on checkbook balancing - I am very lazy when it comes to this task.In the semi-crowded field of money management and budgeting tools, You Need A Budget is one of those applications that I found interesting for a few reasons. YNAB is one of our favorite tools for expense management and budgeting, and is known to be pretty effective with helping you reduce your debt.
YNAB (You Need A Budget) Personal Budget Software Review
Specifically, you’ll find YNAB software available for your computer or smartphone, a one-on-one budget coaching session and the You Need A Budget book, which covers this very successful budgeting methodology.If you have an older version of YNAB and want to upgrade to the latest version, check their site to see if you can qualify for a discount. You can visit the YNAB store for additional selections on educational materials and products (beyond the software) by visiting this link.