Why I buy this one ?
- Benefit from four unique, powerful rules for maximizing control over your money
- Be up and running in just minutes
- Gain financial peace by tracking all of your spending (dining out, groceries, bills) with one simple interface
- Save time by importing your bank transactions
- Generate reports, schedule recurring transactions, and GAIN CONTROL.

You Need A Budget offers this stuff with condition New, new for:

Price : $39.95 Usually ships in 1-2 business days

What our customer's say!

"Not sure why this is #1", Im not sure why this budget software is number one on amazon. I bought it because the reviews said it was great and was better then quicken and money. I thought I would recieve it in a box with directions on how to use it. Nope. All I got was a DVD case with a number sticker on the front of the plastic wrap that I almost threw away (it didnt say that it was important to using it until I installed it). Then once I had it installed I had to go on the website and down load the upgraded version because it wasnt the newest or whatever. It was $5 so I did it anyways. Didnt notice a difference. There were no directions on how to use the thing. There is a help section that you can print out on your own printer (paying for your own ink and paper) that is about 100 pages long. Yes it is simple...very simple almost to plain for me. The register didnt work with downloading from my bank online so i input everything by hand. The budgeting tool is a joke. when you enter a about you buget for it puts you in the negitve and it is all very confusing...would help if it came with directions. I find it a waste of my money and I wish I could return it. Most pointless 40 bucks I have ever spent. I wish I would have tried money at least it has been around a while. In the "help section" it sounds as if it was designed in someones garage with the opening letter from the creator. Long story short...save your money and try something that have been around a little longer.

"The best budgeting methodology out there", I've used Quicken for over 10 years (and still do) but Quicken (and similar personal finance software) is absolutely incapable of doing budgeting. YNAB does budgeting beautifully and fills this glaring gap. The only reason I don't give it 5 stars is because YNAB reporting capabilities are very limited.

"Waste of money", This is the most stupid and useless software I have ever seen. Don't waste your money.

"Software & Methodology in one package!", I found this software through a budgeting forum, and tried it out. I wasn't expecting much - I've used an Excel spreadsheet, Quicken & Mvelopes before, and didn't have much "success" with them. Those programs worked fine, but I needed to BUDGET my finances, not track where I spent my money after the fact. So, I bought this program, and after a bit of reading (there's a great guide) and surfing their forums for help, I got it figured out! Now, I've got my life budgeted - I can spend money on the fun things in life without worrying that I'm taking money away from something important (you know, like mortgage, car loan, etc.) because I saved for it.

Just a FYI - because the program is based off of the common sense "rules" that the developer created, it might take a bit before you have that lightbulb moment... And, the program isn't designed to let you blissfully automate your spending - you NEED to track your money, and be more aware if you're going over your budgeted amounts.

"Simple and Effective", I bought YNAB Pro about 2 weeks ago after being a long-time Quicken user so this review is not based on extensive use of the software at this time. However, I'm not new to financial/budgeting software. I've tried out several. I liked all the bells and whistles of Quicken, but it wasn't working for me as a budgeting tool as it only shows you where you're money went. Quite frankly their budget set-up interface left a lot to be desired, only allowing you to create a general monthly budget.

With YNAB, I was up and running within a few minutes, and after playing with all the features to see what it could do, I was fully loaded with a budget and bank transactions within twenty minutes. It is the most user friendly software I've ever encountered. The YNAB website has comprehensive advice and How-To's in the forums, VIDEO How-To tutorials AND a users manual in PDF format. If that's not enough "Help" you can post a question to forums OR contact the seller via the website.

I have encountered no issues with downloading bank transactions or issues of any other kind. However, if for some reason you're not happy with YNAB there is a 60 day money-back guarantee. ALSO, you will get any future software updates for free. No yearly upgrade fees and YNAB never becomes an obsolete software as so many do. It is a one-time purchase that will last you the rest of your life.

Do not mistake YNAB as a financial tracking system; if that's what you're looking for don't buy it.

YNAB is a hard-core, balls to the wall BUDGETING tool for planning your monthly expenses with the sole purpose of getting a grip on your out of control spending so you can begin saving money and basically build up that nice nest egg; creating financial stability and freedom in your life. This is not for the wishy-washy, faint of heart person who thinks a software application is going to miraculously "fix it". It's for the person who seriously wants to make changes in their spending habits and is willing to work at it. YNAB is the best friend you'll ever have if this is your goal.

The very best feature of this software, in my opinion, is it's ability to be 100% personally customized to your unique budgeting needs. You can add, delete, and rename categories and sub categories as you wish. You do not have to wade through a bunch of pre-determined expense categories to get to the ones that matter to you. Other great features is the bank transaction downloading, transaction scheduler, and the ability to transfer funds from one account to another within the budget. The methodology behind the software is not difficult to understand, but sheer common sense.

Oh, I've never met the software creator or anyone else involved in the YNAB creation. I am a mere consumer who purchased the software and am currently using it.

Read this reviews before You buy...

"I think it stinks... ", 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!", 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", 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", 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.

"Great!!", This makes budgeting easy for those who aren't the financial software gurus of today. This is simple, works great and is genuinely useful for those of us who can't figger out why the money ain't there that should be!