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These are as follows: every dollar needs a job, be honest about your actual expenses, be resilient when you get off track with your spending, and rollover any money that wasn’t spent one month into the next month. YNAB comes with several premade budget categories, but if these don’t fit with your spending, you can create your own.īesides offering a financial planning service, YNAB also comes with its own set of money “rules,” which can be more aptly called philosophies. This will help YNAB present you with any trends and patterns that it sees in your spending and help you create a realistic budgeting system for yourself. The next step is to assign categories to your spending. You are then able to sync your accounts (such as your savings or checking account) and either start automatically sync your purchases to the app or input them manually yourself.
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Once you download the program, it will ask you a few questions, such as whether you will be using YNAB for personal or business use, as well as your currency and date format preferences. YNAB is available both as a mobile app and a desktop platform. While it’s not an accounting package per se, it certainly has value depending, of course, on whether you want to pay for the privilege of using it.The beauty of YNAB is that it can auto-generate payments when synchronized with your personal banking account, which saves you the trouble of having to import transactions. We’re also pleased to see the ability for US, along with Canadian users to be able to import data from their banks. You Need a Budget’s creators seek to underline its high-grade encryption methods that protect your sensitive financial information once you’ve added it to their servers, as you would expect. Indeed, there are aspects of the app edition that make it rather more preferable to the desktop model. We are particularly smitten with the app version of the service, which gives you freedom of use no matter where you might be and emulates the desktop edition perfectly.
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Overall this is a solid cloud-based software solution that should help you get on top of your finances. You Need a Budget continues to improve with each successive release. All in all then we’d like to see this beefed up in future iterations. While email support is okay, it’s not quite the same, although another alternative is to consult the forums.Īgain though you're not always guaranteed the information you get is going to be 100% reliable. There is a step-by-step guide and FAQs, which should answer many of your queries, but it would always be a bonus to be able to contact a real person for those more unusual requests. There’s no phone support, which considering this is a paid-for service leaves You Need a Budget sorely lacking. This is even more of a point when you consider the ongoing subscription charge for using the service. The area of support has to currently be one of You Need a Budget’s weakest areas and could do with some improvement. The lack of real people support is something of a negative however (Image credit: You Need a Budget) Support