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You Need A Budget (YNAB) - Personal Finance Software | 
| From: YouNeedABudget.com
Category: Software
List Price: $69.90
Buy New: $59.95
as of 9/5/2010 06:05 CDT details
You Save: $9.95 (14%)
Seller: You Need A Budget
Rating:  166 reviews
Sales Rank: 180
Format: CD-ROM
Platforms: Windows, Mac OS X, Linux
Media: CD-ROM
Operating System: Mac OS X, Linux, Windows, (Windows 7 / Vista/ XP / 95, / 98 / 2000 / ME / NT)
Shipping Weight (lbs): 0.1
Dimensions (in): 7.5 x 5.3 x 0.5
Model: 1.2.6
UPC: 793573437488
EAN: 0793573437488
ASIN: B000QO76HU
Shipping: Eligible for FREE Super Saver Shipping
Availability: Usually ships in 24 hours
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| Features:
| | Mac OS X, Linux, Windows, (Windows 7 / Vista/ XP / 95, / 98 / 2000 / ME / NT)
Mac OS X (10.4.11 / 10.5.4 / 10.5.5 / 10.6), Linux (Fedora 8 and later / Ubuntu 7.10 and later / OpenSuse 10.3 and later) | | | Stop living paycheck to paycheck - Get out of debt - Save more money faster | | | Benefit from four unique, powerful rules for maximizing control over your money | | | Gain financial peace by tracking all of your spending (dining out, groceries, bills) with one simple interface | | | Be up and running in just minutes, also save time by importing your bank transactions | | | Generate reports, schedule recurring transactions, and GAIN CONTROL. |
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| Editorial Reviews:
Product Description
Praised across the internet as hands-down the "best budgeting software", You Need A Budget (YNAB) 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 break the paycheck to paycheck cycle, get out of debt, and save more money faster. Where other software packages tend to be the products of years of feature creep, YNAB offers you exactly what you need: a simple, straightforward system to manage your money.
Remember to take advantage of YNAB's fantastic support resources: video tutorials, and free live budgeting classes for any and all interested!
YNAB is built on the powerful Adobe AIR platform, which means you can run it on Windows, Mac, or Linux!
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| Customer Reviews:
Showing reviews 1-5 of 166
 Changed our lives! September 4, 2010
darla8472
This software is awesome and has changed our lives. Intuitive, straight-forward and doesn't try to junk things up with a million meaningless reports.
Gets the job done August 24, 2010
Berkeley Clint Hall
1 out of 1 found this review helpful
I have been using YNAB for a year now. The biggest benefits I have seen are a clearer picture of what we're doing financially and better communication about our spending. The system was easy for me to learn, and my questions were answered quickly. I'm a happy customer.
A Great Finance Software and a Great Support Staff August 24, 2010
PJ
1 out of 1 found this review helpful
I recommend this software to anyone who has an honest desire to help themselves reach their financial goals. In short YNAB's approach steps you through critical steps that you need to establish (Rules 1 thru 4) in order to gain the upper hand on expenses and savings. It's not Rocket Science; in fact it's common sense - made easy. Oh and a Support Staff that is deeply embedded into the YNAB Community helping its customers in ways that by far, very far, exceeds any foreign support staff reading from a manual to you over the phone.
Great software, great people great support.
YNAB - Love it! August 24, 2010
Holmes1034
1 out of 1 found this review helpful
Having used YNAB consistently for several months, I highly recommend it to those who are committed to sticking to a budget and telling their money what to do for them. I used YNAB Pro previously but held off using it consistently because it lacked certain features that were a must have for me in a financial app. Although the reporting could be better, in my opinion, YNAB 3 is a much much better improvement over previous versions. It can also be used on Windows, Linux and Mac so if I switch, I don't have to worry about taking YNAB 3 with me or not. Kudos to the person who thought of that. The one feature about YNAB that I haven't seen in any other financial application is the ability to set your budget and finances to live off of last month's income (aka YNAB Rule #4), thus, creating a protection for yourself. I've actually incorporated the YNAB rules and Dave Ramsey's principles as they both go together. YNAB, however, has Rule #4 which is to get you off of the 'living from paycheck to paycheck' cycle. My wife and I are slowly but surely eliminating our debt and building an Emergency Fund for ourselves. We're also slowly saving up our YNAB buffer. If you're not sure this software will help you, give it the trial period and see what it can do for you.
When you finally decide to take control of your finances... August 24, 2010
Kent Vaughn (El Paso, TX USA)
2 out of 2 found this review helpful
I've been using some form of financial software for at least 10 years. Using a program like Quicken is fine, but it is best for keep tracking of accounts and for online bill pay. But in the last 5 years this has become quite outdated. Online Bill pay is provided free by most banks now and if you want to just keep track of your account balances, [...] is a great solution.
But if you need to finally get hold of your financial situation, you need a budget. And I've not yet come across a program like YNAB to do just that: Create and maintain a budget. YNAB is totally unique in that sense. It's power is not tracking all of your financial details to the last mundane detail. It's built with the idea of "do one thing and do it well" and that is budgeting. YNAB breaks it down into a process that actually makes sense, unlike trying to budget using a program like Quicken or Money. YNAB is a very slick piece of software that guides you through the process of creating a budget. You do this through simply through setting up your budget based on categories and then allocating all inflows/outflows into these categories. Even if you are not a financial Wiz-Kid, this is pretty painless to do in YNAB. In addition YNAB provides charts & reports to help you work with data on a more interactive level.
And that brings me to my next point and that is with YNAB you aren't just getting a piece of software. You are actually getting an entire philosophy of how to manage a budget. And that is the Magic of YNAB. With most software programs the software is just given to you for you to figure out how to use it. But YNAB provides a system to teach you how to manage your money guided by your budget. This is extremely helpful! One reason I've always had problems creating and maintaining a budget was not really understanding the best approach. YNAB helps by providing that approach. In addition, YNAB provides some of the best support I've ever seen in a software package. Recently they held *free* online webinars to customers on how to use various features from simple concepts to advanced concepts. Now, who has ever seen that??
There aren't too many negatives to YNAB at this point. You currently cannot download (automatically) your transactions from your bank. You can go to your banks web site and do an export and YNAB will then import this data. The reporting and printing is satisfactory, but not a deep part of the program. If you are moving from Quicken/Money, you'll have a sense of missing "bells & whistles" but mostly those really are features that YNAB isn't trying to duplicate. The software seem very robust so far, I've seen no bugs at all, no crashes on my Win7 machine.
If you are ready to take the plunge and get control of your financial well being, I'd strongly suggest you give YNAB a try. Just be sure to realize that YNAB is NOT a checkbook/retirement plan/online bill pay program like Quicken or Money. It is a Budgeting program and philosophy backed by awesome support from the YNAB team and a wonderful community of users.
Showing reviews 1-5 of 166
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| Worthwhile Reading | Myths and Realities about Working Longer
Alicia H. Munnell and Steven Sass. 2008. “Working Longer: The Solution to the Retirement Income Challenge.” Washington, DC: Brookings Institution Press.
For more information, contact Andrew Eschtruth at 617-552-1729 or eschtrut@bc.edu.
Myth: Given the growing retirement income challenge, people will have to work forever.
Reality: If individuals worked full time until at least 66, they could enjoy a long and financially secure retirement, with incomes one-third higher than if they retired at 62.
Myth: Older workers will choose to work longer on their own.
Reality: Most people retire as soon as benefits are available at age 62.
Myth: As baby boomers approach retirement, employers will embrace older workers.
Reality: Many employers are lukewarm toward retaining older workers due to concerns that they cost too much, lack current skills, and don’t plan to stick around long.
Myth: Employers will quickly change their tune in response to labor shortages.
Reality: Many employers with a high proportion of older workers are in declining industries. Others can tap global labor markets.
Myth: Older workers have little to offer employers.
Reality: Older workers often have advantages over younger workers — including higher productivity, better judgment, a stronger work ethic, and better people skills.
Myth: Phased retirement — shifting to part-time employment with a career employer — is the solution for keeping people in the workforce longer.
Reality: Many firms are reluctant to offer phased retirement due to concerns over which workers would be eligible, health insurance costs, and part-time schedules.
Myth: Most workers can work longer by remaining with their career employer.
Reality: Career employment is declining fast — only 44 percent of male workers age 58-62 are still with their age-50 employer, down from 70 percent two decades ago.
Myth: The working longer prescription is the answer for everyone.
Reality: While today’s older workers are generally healthier and better educated, up to a third could be hard pressed to work into their mid-60s due to poor health or job prospects.
Myth: Government cannot do much to encourage longer work lives.
Reality: Raising Social Securitys earliest eligibility age of 62 could push back the work-retirement divide by changing the mindset of both workers and employers.
Myth: Eliminating mandatory retirement removed a major barrier to working longer.
Reality: Mandatory retirement could actually promote longer work lives by providing both employers and workers clear expectations about when careers end.
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CERTAIN CONTENT THAT APPEARS ON THIS SITE COMES FROM AMAZON SERVICES LLC. THIS CONTENT IS PROVIDED ‘AS IS’ AND IS SUBJECT TO CHANGE OR REMOVAL AT ANY TIME. | | Retirement Facts | In the private sector, participation by type of retirement plan has largely reversed over the past quartercentury: 'Traditional' defined benefit pension plans were dominant in 1979, but have been overtaken by defined contribution (401(k)-type) plans. The share of workers who are in both a defined benefit and defined contribution plan has remained fairly constant over the years.
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