Our co-workers were juggling credit cards and cash advances while waiting. We were concerned about our employment but our family’s cash flow was not a factor because had a whole month to react to the emergency.
What makes YNAB different” YNAB is not just software that shows you what you are spending where.
This software is helpful for getting out of debt, saving money, and stop living paycheck to paycheck, though I didn’t need help with any of those things. The only debt I have is a student loan with about $8000 left at less than 2% interest.
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.
I loved the feeling that Jesse was talking to me. I loved the YNAB 10 day eCourse. Now to me, the idea of saving up an entire month’s salary sounded impossible. I am used to spending ALL of my money when I get it. Even without a ‘Dummy series guide’ (like you need if you want to use Money, because its included manual is so inadequate) or even reading the included manual, I was able to quickly set up a budget - it was all so intuitive and common sense. It’s really a breath of fresh air. I’ve used several budgeting tools before and I always get bored with them. For some reason, this YNAB made it more fun for me. It’s much more flexible and user-friendly! I can sort and run reports so much easier. That’s how you know the software is solid. This software is great! I actually know how much interest I make a month. It simplifies your finances while giving you more information.
For me, it is well worth the cost. I bought this based on the reviews of the product and the whole concept of sticking to a budget.
I got YNAB Pro, paid my one-time fee and I was up and running. I love the “buffer” concept, something D.R did not have.
YNAB is an excellent program IF you are completely dedicated to maintaining the input on a daily basis. If you let it slide, it becomes almost impossible to catch up.
I followed the setup guide and searched through the user forums to help me figure out one or two things that I didn’t understand at first. Go to the FAQ section of their user forums to find the “cheat sheet” to get started on the right foot.
Every couple years I see money rolling out of my pockets like a cheap strainer, and get the gumption to budget. Coffee Table Marble Top.


































