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| You Need A Budget Pro - Personal Finance Software Program | 
 enlarge | From: You Need A Budget
Category: Software
Buy New: $49.95
Avg. Customer Rating:  67 reviews
Sales Rank: 378
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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| Customer Reviews:
 Finally I can Budget April 15, 2008
3 out of 4 found this review helpful
I'm a college student so budgeting is kinda hard for me. I went on Amazon and read about this product YNAB and thought it was cool. It was very simple and easy to install don't even need internet for that. The only confusing part to me was creating a split bill, other than that you simply put down your income and expenses and budget them into categories that you can monitor to understand how much your spending and where your money is going. This software has a unique feature that you won't find in other software the theme is to budget a certain amount for a month and survive on those dollars alone, which really makes you manage your money more efficiently.
 I think it stinks... March 30, 2008
3 out of 7 found this review helpful
I didn't find the software as user friendly as Money and/or Quicken. In fact, I have returned using Money. This software is very confusing to use and when you download your bank file, you have to FIND your data file and import it. It does not automatically import your file like Money does. If you have several accounts, you have to be careful not to download another file without first saving you file, example, say you are working with you saving account, finish and begin downloading data to your checking. This program opens up a new window, if you close the window you were working on your savings account with, you will loose your data. A software program should help you work smarter, not harder.
 YNAB Pro: Saved my financial life! March 25, 2008
1 out of 1 found this review helpful
I can't help but gush about You Need A Budget Pro. This software has helped me go from being in debt to living financially free. The envelope budgeting system teaches you to live based on what you have already made, instead of budgeting, spending, exceeding your budget, then stressing about money.
 Useful but not intuitive March 21, 2008
6 out of 7 found this review helpful
As someone who has not budgeted before, I find this software great for showing me where my money really goes, but I don't find it intuitive to use.
Pros:
- It is easy to enter in or download income and expenditures
- It shows nifty bar and pie graphs of my expenditures by month
- It made me look ahead and budget this month for future anticipated expenditures (e.g. 6 mo car insurance).
Cons:
- I find the budgeting portion of the software confusing and not intuitive.
- The graphs are not interactive and have so many subcategories that it is difficult to see trends over time.
On the whole I am glad I bought the software, but I still have dedicated more time to figuring it out than I would of liked.
Goodbye Quicken - Hello simplicity February 26, 2008
11 out of 11 found this review helpful
I've used Quicken for a few years, but I've always been frustrated with the annual/biannual upgrade costs and the lack of a real budgeting function. My wife and I have taken Dave Ramsey's Financial Peace University class and we love the envelope budgeting concept, but neither of us liked the idea of carrying around (and probably losing) that kind of cash. We also wanted to be able to build up money for annual or semiannual expenses (Christmas, insurances, etc.), but couldn't find an easy way to track that money so it would get lumped into general spending most of the time. For a while, I learned to write macros in Excel and started creating my own envelope system spreadsheet, but I was always searching for something else to make things simpler. I looked at Mvelopes - way too expensive, Budget by Snowmint - close, but I liked YNAB Pro better, and I spent way too much time trying to use subaccounts, classes, and other little tricks to make Quicken budgeting act like an envelope budget.
Apparently the Quicken 2008 will allow for a more envelopish budgeting experience, but I'm not going back. Why would I? With YNAB Pro I can import any file type possible - OFX, QFX, QIF, CSV, whatever. Quicken limits me to just one file type which some local banks I've used may or may not support. Also YNAB Pro is a ONE TIME EXPENSE with lifetime upgrades - all for less than the cost of an upgrade to Quicken.
YNAB Pro is a fantastic BUDGETING program. When it comes down to it, that's what I need - help controlling my spending so I can get out debt and out of the rat race sooner rather than later.
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