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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: 413
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:
 Straightforward, solid BUDGETING software November 23, 2007
37 out of 37 found this review helpful
I earn a good living. 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.
And we were. And YNAB helped me see it.
I'd previously used Quicken and Microsoft Money in an effort to do budgeting to no real effect. The truth is, Quicken and Money are more about having fancy checkbook registers than they are about helping you identify and conform to a budget. This is where they fail.
YNAB is straightforward and it does one thing, and one thing only -- it helps you create and manage a budget. With careful record keeping, you can do the same thing YNAB does with a pen and paper, or with Excel -- but the software is simple and easy-to-use and readily imports transactions (without fail) from my banking institutions.
I used to worry that the number in my checking account may not be enough to make everything come together. I can unequivocally state that now... I just don't care. 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. If you're looking for something to help you manage your budget this is the software you should get. Ignore the name brands that simply aren't up to the task.
Best Budgeting software I've found November 16, 2007
7 out of 7 found this review helpful
I have been involved in personal budget counseling for several years, but never before found a computer budget program that worked like I wanted - YNAB Pro does everything I have ever dreamed of. It is easy to use, and does things in an intuitive way, so you know what to do next. You don't have to be a financial genius to use it. The instruction manual answered any questions I had after setting up my budget. I like that I can add or subtract categories and sub-catergories according to my personal plan, as well as develop a budget a year at a time, but still make adjustments as life happens.
Best budgeting system out there! November 14, 2007
7 out of 7 found this review helpful
This is absolutely the best budgeting software out there, and the reason lies in the 4 rules of cash flow it is based on. If you want to stop living paycheck to paycheck and really get a handle on your day to day finances, this is the program for you. You will finally see where your money is going and learn to live within your means. It comes with free upgrades and amazing customer support.
Be sure and read the setup guide and visit the support forums at youneedabudget.com
I can't believe what this has done for my finances and peace of mind. Highly recommended!!!
 Budeting for Us Dummies November 10, 2007
12 out of 12 found this review helpful
In the good ole days (when I was younger), you wrote a check and automatically subtracted it from what you had on the spot, and waited for your monthly statement in the mail. Now with ATMs, etc, you loose track, spend more than you make, you just loose track quickly of where your money isn`t going. What YNAB does is take you back to the tried and true method. Meaning you write down everything you buy, everything, gas for the car, cleaning supplies, etc. Yeah, you can do it yourself, maybe if your really good with Excel or Open Office you could build something like this. I'm computer impaired when it comes to doing that. What has it done for me?
You can download your checking statements in Quicken format, and it pulls in all the updates, categories them (food, gas), and does the math.
I was floored I wasted $260 at the gas station alone on junk, not gas. I got that total down to $150, and still got all my beer and smokes, yeah. Last week we spent $174 on groceries, this week, $68 (we checked what we had in the cupboards/fridge this time before going), saved $100.
At the end of the month I expect to have an additional $500 left over, ear marked for a slush fund, and paying for medicines and such. Also, I set aside mad money for my wife to use on herself, not me, or clothes, hygiene, just on stuff of $150.
I'm old, so it was confusing at first to figure out the program, but it works. Bottom line, you won't make anymore money per payday, but you won't waste your money, and still "have it all," plus allot more left over. You won't be reaching for that credit card as often to bail you out of a heavy month where the car insurance payment from hell comes in, or medical insurance quarterly bill.
To me, it's worth the $40, chow.
 Waste of money November 2, 2007
16 out of 46 found this review helpful
This is nothing but a spreadsheet. Downloading transactions from your bank is a nightmare. Error messages are common. I can only assume people who wrote good reviews for this thing are friends and family of the programmer or the easily impressed. No real support to speak of. If you write them repeatedly you finally get a reply. However, even then they don't know how to help you. You can do your own budget on paper a lot quicker and easier than with this piece of garbage. I feel so ripped off. BIG P.S. I finally got a refund so I have to give them credit for finally addressing my disappointment.
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