I think it's a great program, with solid concepts. It almost feels like it's been programmed in (god forbid) Visual Basic or something.
It practically holds your hand in making a budget and even gives you yellow and red "flags" for things you need to correct! If you are a beginner to advanced computer user, you should completely appreciate this product and be able to use it.
I must admit, I had to start over twice with YNAB, not because the software is difficult to use, but because I was trying to use it based upon what I knew about budgeting, you can't do that. I sleep much better at night these days, thanks to YNAB Pro!
If you buy this software, you must understand and follow this rule. Rule Three is that you should prepare for the future by budgeting additional money into categories that will have large irregular expenses.
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. I'd previously used Quicken and Microsoft Money in an effort to do budgeting to no real effect.
We recently had our laptop break down and didn't replace it for two months, during which time we went without YNAB. It was insane to see how much we needed the program! In addition YNAB provides charts & reports to help you work with data on a more interactive level. And that brings me to my next point and that is with YNAB you aren't just getting a piece of software. Fans of Dave Ramsey may want to replace Baby Step Number One with YNAB's Rule One. I personally think it makes more sense to have an "emergency fund" of one month's expenses rather than a nice round number of $1000. You are actually getting an entire philosophy of how to manage a budget. And that is the Magic of YNAB. I originally bought Microsoft Money (because that was the only thing the local shop carried). I spent the first 2 days starting and restarting and re-restarting my budget because I couldn't make heads or tails of it.
Now to me, the idea of saving up an entire month's salary sounded impossible. I am used to spending ALL of my money when I get it. This software is designed for zero based budgeting. I have had it a day now and so far I like it. Within seconds of firing up YNAB for the first time, my eyes grew wide and a smile came across my face. I knew that YNAB was exactly what I had been looking for. I have been using YNAB so long I can't imagine life without it. Honestly, it took a while to really start budgeting like I should.
The one thing I've always struggled with is that their model was to simply record what you've spent and review it against your budget. This is all well and good for those who are inclined that way, but it never worked for me.
It practically holds your hand in making a budget and even gives you yellow and red "flags" for things you need to correct! If you are a beginner to advanced computer user, you should completely appreciate this product and be able to use it.
I must admit, I had to start over twice with YNAB, not because the software is difficult to use, but because I was trying to use it based upon what I knew about budgeting, you can't do that. I sleep much better at night these days, thanks to YNAB Pro!
If you buy this software, you must understand and follow this rule. Rule Three is that you should prepare for the future by budgeting additional money into categories that will have large irregular expenses.
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. I'd previously used Quicken and Microsoft Money in an effort to do budgeting to no real effect.
We recently had our laptop break down and didn't replace it for two months, during which time we went without YNAB. It was insane to see how much we needed the program! In addition YNAB provides charts & reports to help you work with data on a more interactive level. And that brings me to my next point and that is with YNAB you aren't just getting a piece of software. Fans of Dave Ramsey may want to replace Baby Step Number One with YNAB's Rule One. I personally think it makes more sense to have an "emergency fund" of one month's expenses rather than a nice round number of $1000. You are actually getting an entire philosophy of how to manage a budget. And that is the Magic of YNAB. I originally bought Microsoft Money (because that was the only thing the local shop carried). I spent the first 2 days starting and restarting and re-restarting my budget because I couldn't make heads or tails of it.
Now to me, the idea of saving up an entire month's salary sounded impossible. I am used to spending ALL of my money when I get it. This software is designed for zero based budgeting. I have had it a day now and so far I like it. Within seconds of firing up YNAB for the first time, my eyes grew wide and a smile came across my face. I knew that YNAB was exactly what I had been looking for. I have been using YNAB so long I can't imagine life without it. Honestly, it took a while to really start budgeting like I should.
The one thing I've always struggled with is that their model was to simply record what you've spent and review it against your budget. This is all well and good for those who are inclined that way, but it never worked for me.
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I no longer have to worry about whether a check I've written will get to the bank before my paycheck does! Receipt Scanner.
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