You Need a Budget 4.3.351 – Gain Total Control of Your Money


Stop living paycheck to paycheck, get out of debt, and save money faster with YNAB.You Need a Budget 4


Never heard of YNAB? 

It’s easy-to-use budget software paired with a powerful methodology.

For more info and free live classes, visit:


Praised across the internet as the “best budgeting software”, You Need A Budget (YNAB) cuts to the chase with your finances. YNAB 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 the YNAB Method, which is comprised of our Four Rules. These Four Rules help you break the paycheck to paycheck cycle, get out of debt, and save more money faster. Where other software packages tend to have years of feature creep, YNAB offers exactly what you need: a simple, straightforward system to manage your money. And YNAB offers fantasitic support, including video tutorials, free live budgeting classes, and an active supportive forum community.


Cloud Sync – stay on budget everywhere

Check balances and record transactions on the go with the free YNAB iPhone and Android apps. Install YNAB on all of your Macs (and even PCs!). They all stay up to date, all the time with Cloud Sync.


There’s no more guessing when it comes to spending decisions. With your budget always up to date, whether on your spouse’s iPhone, your Android, or at home on your Mac, you’ll know in a moment that it’s okay to head out to eat. Enjoying yourself is part of the plan*.


*That’s a code word for ‘budget’


Get Off the Financial Roller Coaster

YNAB lets you easily set aside funds for larger, less-frequent bills. $600 car insurance premium due in six months? Budget $100 each month into your ‘Car insurance’ category and watch the balance grow. When the bill is due, you pay it and everything is fine. What used to send you into financial “crisis mode” now doesn’t phase you.


YNAB shows you what needs to happen *now* so you can handle what happens *next*. The quality of your spending decisions will skyrocket and you’ll be managing your money better than you ever thought possible.


Money Management Made Simple

YNAB will happily import downloaded transactions in all the popular formats. It doesn’t talk to your bank directly, but many of our customers find themselves ditching importing all together, or just using it to ensure they didn’t miss anything. Their money awareness increases right along with their bank account balance. This is no chore! Most of our users spend less time managing their money than ever before. How? Scheduled transactions, an interface designed for fast entry, and mobile apps for entry on the go.


Save More, Faster

After one month, the median net worth increase for a YNABer is $200! After one month! After nine months, the median net worth increase is $3,300! The sky is truly the limit!



OS X 10.6 or later

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