No Worries, Good Stuff - Auto Dealer Finance Software Review
It does force you to get personal with your money, to really see where and how you are spending and how that affects your money overall. It doesn't paint rosy pictures of wealth in the future, it doesn't allow you to get by without having to actually sit down and SEE everything you've purchased, it doesn't give you pies and charts and graphs to help you understand your spending. YNAB Pro does one thing, and it does it better than anything else I could find on the web: it helps me plan where I am going to spend my money! But make no mistake: that plan is only as good as your willingness and commitment to live within your means and to make that plan work!
It has changed my approach to handling my personal spending and in managing my own business bottom line. I am learning to let money sit, unspent, in my pocket or my bank accounts. After a couple of months, however, I went back to Quicken. I found that Quicken also has good budgeting features, and while not in the same vein as YNAB, I just find Quicken easier to use.
I must admit, I had to start over twice with YNAB, not because the software is difficult to use, but because I was trying to use it based upon what I knew about budgeting, you can't do that. I sleep much better at night these days, thanks to YNAB Pro! YNAB does that, but it also helps you budget and plan for *future* expenses. In my opinion this is what makes the program so valuable. In a truly frightening kind of "I spend that much money on THAT!" You can see the impact of your daily coffee habit on your car insurance payment 6 months away.
I actually look forward to reconciling my bank account every week. I've been using some form of financial software for at least 10 years.
Again, the software doesn't enforce this rule, but it does make it possible in ways that other software just doesn't facilitate, and it makes it easy to plan ahead. Rule Four is that if you overspend in a category, rather than carry a negative balance on that category into the next month, it zeroes out the category at the beginning of the next month by stealing money from the available balance for that next month. You could use his rules and do your own budget in excel, but who really has that kind of time? And YNAB-Pro comes equipped with more features than your technically savvy husband could create on two pots of coffee. However, if for some reason you're not happy with YNAB there is a 60 day money-back guarantee. ALSO, you will get any future software updates for free. From the moment I came across this program, I was impressed by the user community (passionate), the creator's caring but in-your-face (in a good way) attitude, and the general "above and beyond" attitude of the software/website/forum. I kept getting the impression that the creators of this program does not just want to sell software, they really want to help you, the user, improve your financial well-being. I was able to build up my buffer and start really using the program after about 6 months (that may seem like a long time but it is worth it). The purpose of this is to make sure all your money is accounted for, and so that you can see where it is going. Within seconds of firing up YNAB for the first time, my eyes grew wide and a smile came across my face. I knew that YNAB was exactly what I had been looking for. However, implementing this knowledge is where I get lazy. I purchased YNAB Pro a week or two ago in order to finally get our finances back in order and figure out where our money was going.
It has changed my approach to handling my personal spending and in managing my own business bottom line. I am learning to let money sit, unspent, in my pocket or my bank accounts. After a couple of months, however, I went back to Quicken. I found that Quicken also has good budgeting features, and while not in the same vein as YNAB, I just find Quicken easier to use.
I must admit, I had to start over twice with YNAB, not because the software is difficult to use, but because I was trying to use it based upon what I knew about budgeting, you can't do that. I sleep much better at night these days, thanks to YNAB Pro! YNAB does that, but it also helps you budget and plan for *future* expenses. In my opinion this is what makes the program so valuable. In a truly frightening kind of "I spend that much money on THAT!" You can see the impact of your daily coffee habit on your car insurance payment 6 months away.
I actually look forward to reconciling my bank account every week. I've been using some form of financial software for at least 10 years.
Again, the software doesn't enforce this rule, but it does make it possible in ways that other software just doesn't facilitate, and it makes it easy to plan ahead. Rule Four is that if you overspend in a category, rather than carry a negative balance on that category into the next month, it zeroes out the category at the beginning of the next month by stealing money from the available balance for that next month. You could use his rules and do your own budget in excel, but who really has that kind of time? And YNAB-Pro comes equipped with more features than your technically savvy husband could create on two pots of coffee. However, if for some reason you're not happy with YNAB there is a 60 day money-back guarantee. ALSO, you will get any future software updates for free. From the moment I came across this program, I was impressed by the user community (passionate), the creator's caring but in-your-face (in a good way) attitude, and the general "above and beyond" attitude of the software/website/forum. I kept getting the impression that the creators of this program does not just want to sell software, they really want to help you, the user, improve your financial well-being. I was able to build up my buffer and start really using the program after about 6 months (that may seem like a long time but it is worth it). The purpose of this is to make sure all your money is accounted for, and so that you can see where it is going. Within seconds of firing up YNAB for the first time, my eyes grew wide and a smile came across my face. I knew that YNAB was exactly what I had been looking for. However, implementing this knowledge is where I get lazy. I purchased YNAB Pro a week or two ago in order to finally get our finances back in order and figure out where our money was going.
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