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You Need A Budget Pro - Personal Finance Software Program Review (continued)
More User Submitted You Need A Budget Pro - Personal Finance Software Program Reviews
Date: 2009-01-01
best budgeting software available for taking charge of your personal finances!
If you are serious about getting in control of your finances instead of having them control you, then YNAB Pro is for you. If you're a Dave Ramsey Fan, YNAB Pro dovetails nicely with Dave's philosophy and helps you do a zero based budget that fits your needs better than any other program I've seen. The YNAB philosophy of freedom from living check to check may hold up your debt snowball for a couple of months but it's worth it for the peace of mind. If you want to track a freedom fund you can do it easily in YNAB Pro. You can keep track of account balances from savings, to checking, to retirement, to credit card and auto loans with different registers and at a glance see your net savings and debt. You can track your spending by categories. You can compare your spending month to month. What sets YNAB apart is how it helps you be accountable for your spending, encouraging spending every penny on the budget before spending it in real life, encouraging financial responsibility, and helping avoid overdrafts to accounts. The software has a broad enough application that folks who make a few hundreds of dollars a month to those who bring in tens of thousands a month can benefit. Go to the YNAB forums to learn more about people's experience with YNAB Pro. They have fantastic customer service and support services, and they are consistently seeking feedback from customers on how to improve the program. Updates are free. This software is truly life changing for people who want to reduce financial stress in their lives and reach financial peace. YNAB Pro is a terrific tool for motivated people, teaches people how to have an active, real life budget that works and gives people a key to being released from the chains of living paycheck to paycheck.
If you simply want to track spending patterns or reconcile business accounts this software may not meet your needs. If you aren't interested in changing your way of dealing with money or discovering new ways to relate to your money in a very intimate, day to day way to get your financial house in order, this is not the software for you. If you've had to make your own budget in excel because no other software fit your needs, you'll love YNAB Pro.
I tried the excel version of YNAB for Mac and had some problems but within one day I got a refund and decided to upgrade to YNAB Pro and couldn't be happier.
You can always download the trial version to check it out before purchasing, and you can try it for 60 days and get your money back if not completely satisfied.
Date: 2008-12-22
YNAB is the best.
I have looked at and tried pretty much all the budget software out there and can honestly say YNAB is the best fit for me.
Date: 2008-11-25
Hands down winner
I'm no accountant, but I have found this to be the best budgeting software around. I have been looking for something, but I didn't know what it was. Turns out YNAB was it!
Date: 2008-10-29
YNAB PRO = GREAT SOFTWARE WITH AWESOME SUPPORT
The YNAB Pro Software is the best financial software package I have used. I especially like the fact that there is a website forum that the author maintains in order to support his customers where they can ask questions after they purchase the software. The software can also be easily customized when it comes to adding or removing categories.
Date: 2008-10-25
YNAB= savings, no overdrafts and real control
This is a great product. Truly. I've tried Quicken, MS Money, even my own tweaked Excel spreadsheet, but could never get them to do what I wanted which was to create a budget based on money I actually have to spend and then have that budget force me to stick to it. If I overspend in a catagory I have to move money around from other catagories to make it work or there is no avoiding the big red negative amounts staring you right in the face! You can't feign ignorance or pretend that you thought you could afford something you can't.
I did want to stress that YNAB is not only for those living paycheck to paycheck. Although if you are, you need this software, you really do. Our family has more then enough money, but I kept overspending and having to ask my husband for "extra" money or transfer it in from savings and investment accounts every few weeks (which I realize is stupid, but if you don't have a problem saving or living within your means then why are you considering this product?). Sometimes I wouldn't time the transfers well and I'd end up with overdrafts. It was a result of not having a firm budget and being just generally unmindful of my spending.
YNAB helped me to create that firm budget and forced me to be organized with my money. Quicken and Money were both great at helping track expenses after I'd spent the money- helpful only if you need a pie chart showing you exactly how you are overspending on kids clothing or trips to Target. Totally useless after the fact. YNAB is great at allowing me to control my spending BEFORE I spend it on stuff I don't need and keeps me mindful of exactly where my money SHOULD be going so that I don't get sidetracked and spend it elsewhere on something new and sparkly. And not to worry if you really like them, YNAB has pie charts too!
Learning to use the software takes a few hours, it's true. You'll need to set aside a chunk of time to really use it right, but there are online tutorials which make it super easy and a helpful forum for other users to offer advice if you can't figure something out. It's way easier then Quicken with its bloated "features" you'll never use, at any rate. Since you are budgeting based on actual money at hand and not guessing about what you'll have to spend in a calendar month it just works way better then Money.
If you really want to get a handle on your finances, YNAB is the best. Hands down.
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