Do you require help budgeting? For many the answer is of course. Budgeting doesn't need to cause worries. Budgeting can be simple using You Need A Budget.
What is YNAB Pro?
YNAB Pro is a software program used to create and follow a budget. YNAB makes it easy to set limitations for budgeting categories and track how you are doing.
The goal is to quit living paycheck to paycheck. This is accomplished by creating a one month cushion. The one month buffer is equivalent to how much you get paid in a month. The buffer is used to budget for the current month. For instance if the current month were September, you would be budgeting and spending money you made the month prior. Don't worry if you don't have enough money saved up for your cushion. YNAB will show you how to create it.
Once you have a buffer created you will no longer be stunned when unexpected expenses such as automobile trouble or medical expenses come up. You can now roll with the punches. You are no longer restricted by one months worth of pay. Go ahead and dip into your reserve cushion. You Need A Budget Pro will correct your next months budget by deducting whatever you borrowed for the unexpected expense. So if you are twenty dollars over buget in May, then you will have twenty less dollars to use for budgeting in June.
Here are theYou Need A Budget Pro basics.
Are you over your budget? Are you below your budget? With YNAB Pro you will quickly be able to tell.
When you start the software you create budgeting categories or use the defaults. You can use standard categories such as Debt Reduction, or break it down with subcategories such as "Debt:Charge Cards" and "Debt Reduction:Auto Loan".
Next, your transactions in the YNAB Pro. Enter the transactions manually or download them in Microsoft Money or Quicken format from your bank. You will then assign a budgeting category to each transaction in your register.
The budget screen displays your financial info for the current month using three columns; Spent, Budgeted and Balance. The "Budgeted" column will be filled manually by you. As you insert an amount for each category it will be deducted from that months money available. The next column "Spent", will be filled in automatically as you assign categories for each transaction in the register. The final column "Balance" will show you how much below or over you are for that category.
The You Need A Budget report screen will give you a graphical representation of where you stand. This screen lets you to easily see how much money you are dropping each month and your ongoing balance for each budgeting category.
YNAB Pro, is all about budgeting.
There are other personal finance programs. For a reasonably priced Quicken Alternative or a MS Money Alternative, YNAB is the answer for you. Most programs have to many bells and whistles distracting the user from the budgeting basics. You Need A Budget Pro uses a proven methodology making budgeting simple and easy to stay with.
