Now why does YNAB work when the other budgeting apps have not work for me? They have a method based on four simple principles. Strangely enough, I get to spend, spend, spend. Spend every single penny and it feels good!! That is YNAB's rule #1 - give every dollar a job (not actually 'spend' but I see it that way). And when every dollar has a purpose, it does its job. I also 'spend' money towards our savings account which is YNAB's rule #2 - save for a rainy day. Because the unplanned expenses always comes up YNAB's rule #4 has taught me how to roll with the punches. This rule has helped me tremendously!! Living by the YNAB methodology has helped me achieve rule #4, living on last month's income so when the paychecks come in a good chunk of it goes to savings and the rest is spent on fun stuff but the bills still get paid from last month's income. Nice huh?
- Try the 34-day demo for free: http://www.youneedabudget.com/.
- Watch the video tutorial or better yet - sign up for the free webinars (attend all of them if you have time): http://www.youneedabudget.com/support
I like the simple user interface and simple features because I don't have time to track all the little details. I can track spending and see its immediate impact on my budget. I can set funds aside for long term annual expenses such as car insurance and quarterly tax payments. When these things are all lumped in checking and savings, it can be hard to keep track where that money is promised to go but YNAB keeps it straight for me. It also helps me track my student loan debt and when I have extra money left in my budget, I make sure to spend extra towards that category. I finally feel in control of our money. And when John asks me, can we afford that? I look YNAB on my phone or iPad and know that, yes we can afford that.
So if you find that it also works for you, please use my referral link to purchase the software (one license works for all your desktop PCs/MACs and the phone apps are free). You'll save $6: http://ynab.refr.cc/Z3GD8DM and I will earn $6 for the upgrade for when they release a new version.
To get your 10% or $6 discount for YouNeedABudget.com YNAB Personal Finance Software:
- Go to: http://ynab.refr.cc/Z3GD8DM
- Click: ‘Take me to the store’ button
- Click ‘Purchase’ on top
- Now you will see the discounted price!