Otherwise, I would give NYAB a 5 star rating. Its USB portable too unlike Quicken and they don't try to send your personal business out all over the Internet, like Intuit insists on doing, which is a big plus!
With most software programs the software is just given to you for you to figure out how to use it. But YNAB provides a system to teach you how to manage your money guided by your budget.
I know we are all busy, but I do feel like paying attention to the budget (I do manual entry and probably always will) has been a major factor in our success thus far. I have recommended YNAB to all of my friends and several are using it now with similar results. Importing data is also very weak. If you have all of your banking in one account, and have one credit card, it might work for you.
When you get some income (paycheck or birthday money), you give each dollar a "job" to do, and place it in a category for spending later. Then, when you are going to spend money, you check each category's balance to see if you have enough in there to buy what you want. Oh, and the customer service is also amazing, free classes, responses to email, free updates! The price has gone up a bit since I bought mine, but it's still worth every penny. 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. The iPhone app isn't really that useful compared to the main program. A majority of the consumer-grade financial software programs only gives you a static view of what you *spent*.
Ok, so cheesy title jokes aside, the reality is you DO need a budget and YNAB should be your choice. Most people think knowing their expenses is the same as having a budget, but it's not.
You won't be disappointed! I probably cannot add anything to the reviews that have not already been said. Instead of redoing the sheet, I thought I'd investigate some online software and found YNAB. I was pleasantly surprised. My only regret is that I didn't have YNAB Pro 20 years ago! If I had, I'd be sitting on a pile of money right now!
If not, then we save some more. We enter our spending in about five minutes per day and do a quick review of where we are. I have had the same large credit card debt for the last ten years that I could never escape from. Thanks to YNAB and the debt snowball method, I have managed to pay off about 40% of that and will have it paid off completely within the next two years (I know the exact date it will be paid off).
YNAB allows you to 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 month's paychecks in order to allow you to save this month's paychecks.
With most software programs the software is just given to you for you to figure out how to use it. But YNAB provides a system to teach you how to manage your money guided by your budget.
I know we are all busy, but I do feel like paying attention to the budget (I do manual entry and probably always will) has been a major factor in our success thus far. I have recommended YNAB to all of my friends and several are using it now with similar results. Importing data is also very weak. If you have all of your banking in one account, and have one credit card, it might work for you.
When you get some income (paycheck or birthday money), you give each dollar a "job" to do, and place it in a category for spending later. Then, when you are going to spend money, you check each category's balance to see if you have enough in there to buy what you want. Oh, and the customer service is also amazing, free classes, responses to email, free updates! The price has gone up a bit since I bought mine, but it's still worth every penny. 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. The iPhone app isn't really that useful compared to the main program. A majority of the consumer-grade financial software programs only gives you a static view of what you *spent*.
Ok, so cheesy title jokes aside, the reality is you DO need a budget and YNAB should be your choice. Most people think knowing their expenses is the same as having a budget, but it's not.
You won't be disappointed! I probably cannot add anything to the reviews that have not already been said. Instead of redoing the sheet, I thought I'd investigate some online software and found YNAB. I was pleasantly surprised. My only regret is that I didn't have YNAB Pro 20 years ago! If I had, I'd be sitting on a pile of money right now!
If not, then we save some more. We enter our spending in about five minutes per day and do a quick review of where we are. I have had the same large credit card debt for the last ten years that I could never escape from. Thanks to YNAB and the debt snowball method, I have managed to pay off about 40% of that and will have it paid off completely within the next two years (I know the exact date it will be paid off).
YNAB allows you to 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 month's paychecks in order to allow you to save this month's paychecks.
About the Author:
If you use QFX (the preferred, newer format) then YNAB is able to determine those that have already been imported so you don't get duplicates. Recessed Framed Medicine Cabinets.
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