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| You Need A Budget Pro - Personal Finance Software Program | 
 enlarge | From: You Need A Budget
Category: Software
Buy New: $39.95
Avg. Customer Rating:  52 reviews
Sales Rank: 778
Format: Cd-rom
Platforms: Windows Vista, Windows 2000, Windows Xp
Media: CD-ROM
Model: 1.2.6
UPC: 793573437488
ASIN: B000QO76HU
Availability: Usually ships in 1-2 business days
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| Features:
| • | Benefit from four unique, powerful rules for maximizing control over your money | | • | Be up and running in just minutes | | • | Gain financial peace by tracking all of your spending (dining out, groceries, bills) with one simple interface | | • | Save time by importing your bank transactions | | • | Generate reports, schedule recurring transactions, and GAIN CONTROL. |
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| Editorial Reviews:
Product Description
You Need A Budget (YNAB) Pro 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 maximize the value of every dollar, get out of debt, save for retirement, and reach your other financial goals. Where other software packages tend to be the products of years of feature creep, YNAB Pro offers you exactly what you need: a simple, straightforward system to manage your money.
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| Customer Reviews: Read 47 more reviews...
 Not sure why this is #1 June 26, 2008
4 out of 6 found this review helpful
Im not sure why this budget software is number one on amazon. I bought it because the reviews said it was great and was better then quicken and money. I thought I would recieve it in a box with directions on how to use it. Nope. All I got was a DVD case with a number sticker on the front of the plastic wrap that I almost threw away (it didnt say that it was important to using it until I installed it). Then once I had it installed I had to go on the website and down load the upgraded version because it wasnt the newest or whatever. It was $5 so I did it anyways. Didnt notice a difference. There were no directions on how to use the thing. There is a help section that you can print out on your own printer (paying for your own ink and paper) that is about 50 pages long. Yes it is simple...very simple almost to plain for me. The register didnt work with downloading from my bank online so i input everything by hand. The budgeting tool is a joke. when you enter an amount you budget for it puts you in the negitve and it is all very confusing...would help if it came with directions. I find it a waste of my money and I wish I could return it. Most pointless 40 bucks I have ever spent. I wish I would have tried money at least it has been around a while. Long story short...save your money and try something that have been around a little longer.
 The best budgeting methodology out there May 23, 2008
2 out of 3 found this review helpful
I've used Quicken for over 10 years (and still do) but Quicken (and similar personal finance software) is absolutely incapable of doing budgeting. YNAB does budgeting beautifully and fills this glaring gap. The only reason I don't give it 5 stars is because YNAB reporting capabilities are very limited.
 Waste of money May 22, 2008
1 out of 23 found this review helpful
This is the most stupid and useless software I have ever seen. Don't waste your money.
 Software & Methodology in one package! May 21, 2008
4 out of 4 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.
Simple and Effective May 9, 2008
10 out of 10 found this review helpful
I bought YNAB Pro about 2 weeks ago after being a long-time Quicken user so this review is not based on extensive use of the software at this time. However, I'm not new to financial/budgeting software. I've tried out several. I liked all the bells and whistles of Quicken, but it wasn't working for me as a budgeting tool as it only shows you where you're money went. Quite frankly their budget set-up interface left a lot to be desired, only allowing you to create a general monthly budget.
With YNAB, I was up and running within a few minutes, and after playing with all the features to see what it could do, I was fully loaded with a budget and bank transactions within twenty minutes. It is the most user friendly software I've ever encountered. The YNAB website has comprehensive advice and How-To's in the forums, VIDEO How-To tutorials AND a users manual in PDF format. If that's not enough "Help" you can post a question to forums OR contact the seller via the website.
I have encountered no issues with downloading bank transactions or issues of any other kind. However, if for some reason you're not happy with YNAB there is a 60 day money-back guarantee. ALSO, you will get any future software updates for free. No yearly upgrade fees and YNAB never becomes an obsolete software as so many do. It is a one-time purchase that will last you the rest of your life.
Do not mistake YNAB as a financial tracking system; if that's what you're looking for don't buy it.
YNAB is a hard-core, balls to the wall BUDGETING tool for planning your monthly expenses with the sole purpose of getting a grip on your out of control spending so you can begin saving money and basically build up that nice nest egg; creating financial stability and freedom in your life. This is not for the wishy-washy, faint of heart person who thinks a software application is going to miraculously "fix it". It's for the person who seriously wants to make changes in their spending habits and is willing to work at it. YNAB is the best friend you'll ever have if this is your goal.
The very best feature of this software, in my opinion, is it's ability to be 100% personally customized to your unique budgeting needs. You can add, delete, and rename categories and sub categories as you wish. You do not have to wade through a bunch of pre-determined expense categories to get to the ones that matter to you. Other great features is the bank transaction downloading, transaction scheduler, and the ability to transfer funds from one account to another within the budget. The methodology behind the software is not difficult to understand, but sheer common sense.
Oh, I've never met the software creator or anyone else involved in the YNAB creation. I am a mere consumer who purchased the software and am currently using it.
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