Finally, there is a personal budget software program that tells it like it is, and its name says it all – You Need A Budget (YNAB)! I know that many individuals cringe at the thought of creating a budget, let alone living within one. However, with the current economy and and overall credit problems caused in part by uncontrolled spending, setting up a budget and sticking to it is a must. Having said that, this is what You Need A Budget (YNAB) will do for you if you follow its basic rules:

• You will learn to stop living from paycheck to paycheck

• You will put every dollar to work

• You will save and allocate money for future fixed expenses, as well as some that are unforeseen

• You will be able to adapt to changes in spending and learn how to manage your budget properly

This remarkable personal budget software program doesn’t just sell you the software and then let you figure things out for yourself. They have a quick start guide and very detailed instructions and tutorials on how to set up a budget, plus a free live weekly webinar where you can login and receive “online coaching”. You won’t find this with any other personal financial software program.

What impressed me the most with this personal budget software is that you must budget your current monthly expenses on what you earned the previous month. I’ve never found another budget program that used this criteria. All of them have you “predict” your future income, and then budget expenses from there. Those who are on a variable type of income, such as a commissioned individual, can have even more problems occur.

YNAB emphasizes that you get back to the basics..create a budget that is realistic, and when it is working properly, your bills will be paid when they are due. You will also see a reduction in debt, especially those credit card balances that never seem go down.

I’ve been a tax and financial adviser for 30+ years, and I can’t stress enough the importance of setting up a budget and eliminating debt. I’ve worked with many families who have had marital problems caused by stress after allowing themselves to get deeply in debt with credit cards and high mortgages. It’s not a position that I would recommend to anyone! Unfortunately, single individuals have this same problem as well, and this personal budget planner will benefit them in many ways also.

It pleases me greatly to see that You Need A Budget (YNAB) has gone back to the very basic philosophy that I have been teaching for years – don’t spend more than you earn! I could write a book on what I have seen and personally dealt with, but that is not the purpose of this post. There are so many benefits and other important information to impart, that I have decided to do a series of posts on this personal budget software program.

Do yourself a favor and take the free trial of YNAB and see first hand what I consider to be the best budget software available in the market today. If you decide to purchase the program, you will find that it is very low cost, and doesn’t have the monthly fees that some other online budgeting programs have.

Don’t delay, click here and try the Free 7 day trial Plus, with our 30 day no questions asked money back guarantee, you have nothing to lose.

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