Very Disappointing - Windows Personal Finance Software Critique
It's like increasing the distance between you and the car ahead when driving on ice! I still use Quicken but their budgeting feature leaves a lot to be desired.
With this system, you may want to take certain categories and apply some additional to them each month beyond what you would normally spend. For example, the 'Transportation: Tires and Repair' category.
That was worth it though because now I feel confident in what this software can do and how I'll be able to use it. If a new user does feel overwhelmed, the creators offer many types of online help & webinars to guide you through the process.
YNAB fits the bill perfectly. After an intensive couple days setting up and learning the software, we now have a real budget for the first time in our lives. This software is designed for zero based budgeting. I have had it a day now and so far I like it. 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. His concepts are not new or unique, but they make sense and he backs it all up with a very user-friendly program. I have to admit that I was a little gun shy about purchasing this software, but it was the absolute best money I have ever spent. That's how I found myself in fairly large credit card debt. Ever since I've been old enough to work, I have been living paycheck to paycheck. And isn't that what a budget is supposed to be about" YNAB relies on four "rules" to make your budget work for you.
The iPhone app isn't really that useful compared to the main program. A majority of the consumer-grade financial software programs only gives you a static view of what you *spent*.
A budget to me used to mean spending several hours a week creating spreadsheets, trying to figure out my own math mistakes, and confusion with my wife not knowing how much we could spend. YNAB transformed my budget to something that I do 30 minutes a week, and I look forward to it. Do not mistake YNAB as a financial tracking system; if that's what you're looking for don't buy it. YNAB is a hard-core, balls to the wall BUDGETING tool for planning your monthly expenses with the sole purpose of getting a grip on your out of control spending so you can begin saving money and basically build up that nice nest egg; creating financial stability and freedom in your life.
In looking for a good budgeting system, I have tried Quicken, and MS Monkey, and both of them are completely overwhelming. I have no idea how to use them, and do not have the time to learn them. I used Microsoft Money, Quicken, and Excel spreadsheets I made myself, but none did everything I wanted - keep an "envelope" style monthly budget and my account register. This does both beautifully! There are other free extras as well; you really have nothing to lose. If you are living in financial peace, but know you can be a better steward of your money...but this software.
With this system, you may want to take certain categories and apply some additional to them each month beyond what you would normally spend. For example, the 'Transportation: Tires and Repair' category.
That was worth it though because now I feel confident in what this software can do and how I'll be able to use it. If a new user does feel overwhelmed, the creators offer many types of online help & webinars to guide you through the process.
YNAB fits the bill perfectly. After an intensive couple days setting up and learning the software, we now have a real budget for the first time in our lives. This software is designed for zero based budgeting. I have had it a day now and so far I like it. 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. His concepts are not new or unique, but they make sense and he backs it all up with a very user-friendly program. I have to admit that I was a little gun shy about purchasing this software, but it was the absolute best money I have ever spent. That's how I found myself in fairly large credit card debt. Ever since I've been old enough to work, I have been living paycheck to paycheck. And isn't that what a budget is supposed to be about" YNAB relies on four "rules" to make your budget work for you.
The iPhone app isn't really that useful compared to the main program. A majority of the consumer-grade financial software programs only gives you a static view of what you *spent*.
A budget to me used to mean spending several hours a week creating spreadsheets, trying to figure out my own math mistakes, and confusion with my wife not knowing how much we could spend. YNAB transformed my budget to something that I do 30 minutes a week, and I look forward to it. Do not mistake YNAB as a financial tracking system; if that's what you're looking for don't buy it. YNAB is a hard-core, balls to the wall BUDGETING tool for planning your monthly expenses with the sole purpose of getting a grip on your out of control spending so you can begin saving money and basically build up that nice nest egg; creating financial stability and freedom in your life.
In looking for a good budgeting system, I have tried Quicken, and MS Monkey, and both of them are completely overwhelming. I have no idea how to use them, and do not have the time to learn them. I used Microsoft Money, Quicken, and Excel spreadsheets I made myself, but none did everything I wanted - keep an "envelope" style monthly budget and my account register. This does both beautifully! There are other free extras as well; you really have nothing to lose. If you are living in financial peace, but know you can be a better steward of your money...but this software.
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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. online guitar store.
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