#You need a budget message board software#

To start off, it’s important that you understand that the program has a mission: to help you stop living paycheck to paycheck, get out of debt and save more money faster. I kicked myself for missing out on the benefits, but I wasn’t about to let any more time go by.

Once I took a look “under the hood,” I realized how powerful an agent it could be to help people really get their financial houses in order.

As a result, I figured it was worthwhile to look into. I constantly receive unsolicited endorsements of the program from clients, readers and friends.

I’ve joined the ranks of the “true believers” for two reasons:

#You need a budget message board software#

In case you aren’t familiar with You Need A Budget (YNAB), it’s a nifty little software package that allows you to track your spending and budget for your future and generally helps you fix your financial problems. While I still think this “big picture” approach is really important, I’ve recently become a convert to the You Need A Budget crowd. One of my favorites is using your bank statement to tell you how much you spend on average each month. If you’re a regular reader, you know that I’ve suggested a few different approaches to mastering your budget. The best predictor of your financial security is how much you know about and control your budget. Let me say that again a little differently. The balance you strike between income and spending is the most important predictor of your financial future there is. (Maybe this is hard to believe, but I see this every day.)

Don’t spend enough and therefore fail to enjoy the life they could.

I say that because of my experience.Īnd my experience tells me that folks who don’t use a budget either: That’s right.Įven if you had Warren Buffet working for you, it would be useless if you didn’t know where and how you spent your money. And even though I’m a professional financial advisor and CERTIFIED FINANCIAL PLANNER™ Professional, what you do financially dwarfs the importance of my work. I finally broke down and decided to review YNAB, better known to some as You Need A Budget, the premier personal budget software package.