Personal Budget Software

Need help finding quality personal budget software? How about a program that's both user friendly and makes budgeting fun? Oh, and you probably want it to be cheap too, right?

Not easy to find - I know! The search for this elusive software can be downright overwhelming and can leave you feeling discouraged and frustrated.

Lucky for you though I already found what you're looking for. It took me months of free trials, sifting through internet babble and sales copy on countless budgeting and personal finance sites to finally find personal budget software that ticked all the boxes on my wish list.

Its called YNAB (You Need A Budget). YNAB personal budget software is immensely powerful, yet easy to use and learn, it makes budgeting a snap and costs less than $60.

Here are a few points that sets YNAB personal budget software apart.

• No learning curve - I felt totally comfortable with YNAB within minutes of installing it. By far the easiest personal budgeting application I've tested.

• Free class coaching - I was completely blown away by the fact that they hold regular online classes for anyone who is interested in learning more about their software - free of charge. There is also one-on-one personal coaching for a fee available.

• YNAB methodology - As if the software wasn't enough to blow your socks off add to that the YNAB methodology. What is the YNAB methodology? It's their proven, built in money management methodology, it has 4 basic rules - #1 Stop living paycheck to paycheck, #2 Give every dollar a job, #3 Prepare for rain and #4 Roll with the punches.

• With you every step of the way - With YNAB personal budget software you can't help but feel they're with you every step of the way helping you achieve financial peace of mind.

I whole heartedly recommend YNAB to anyone still on the hunt for personal budgeting software. It's well worth checking out, you'll be glad you did. Take it for a test drive and download the YNAB Free Trial now.

For a more detailed analysis be sure to read my YNAB review (coming soon).

Still on the fence about YNAB?

Still not sure if YNAB is for you? Here's what was on my wish list for personal budget software and eventually lead me to YNAB.

• Free trial period - This isn't limited to just budgeting software but I would be leary of any application that doesn't offer a free trial. You have to wonder, why they don't want you to test their product before buying. Any worthwhile software vendor would jump at the chance to have you try out their product.

• Money back guarantee - This should be another red flag, if they don't have one do not buy it. Any software vendor that does not offer a reasonable money back guarantee only cares about one thing - getting your money.

• Transaction tracking - When considering personal budget software it should be able to connect to your financial institution and link multiple accounts. This allows the application to track transactions, either in real time or downloaded.

• User-friendliness - The very best personal budget software will be powerful yet easy to use. Any application that you can test and get a handle in very little time is a definite keeper.

• Convenient support options - Whenever you're testing out an application it's very important to test out their support options. Is support really available 24/7? Can you talk to a live person by phone or live chat? Do they respond to your emails in a timely manner?

• Good training material/tutorials - If the documentation, tutorials or knowledge base for the personal budget software you're considering isn't much use to you then it's probably fair to say that the software won't be of much use to you either.

• Feature-rich - Does the software have all the features you have come to expect in a budgeting application? Does it offer anything more that other programs do not?

• Flexibility - The application should allow for some sort of customization or modification to the product out of the box. This will ensure the best possible fit for you.

If you've found personal budget software that meets half the criteria above - its better than most...If it meets 6 of the 8 criteria above - it's a definite keeper...But if it meets all the criteria above - it's called YNAB!

Happy budgeting!

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Table of Content

How to Save Money - How to save money in 4 easy steps. Reach your ultimate savings goal by following these 4 surefire, money-saving steps.

Save Money Around the House - Want to turn your home into a money-tight, energy-saving dynamo? You can by following a few practical money saving ideas. Find out how you can save on everything from gas to groceries.

Frugal Living - Think frugal living is just for cheapskates and penny pinchers? Do you believe that living like a vagabond is the only way to be frugal? Frugal living isn't about cutting back on life's little luxuries just to save a dollar. It's about living within your means, moreover it's about living well within your means.

Budgeting Tips - Looking for budgeting tips that work? Basic budgeting guidelines plus top 10 budgeting tips to help you set up your budget that works.

How to Create a Budget - Learn how to create a budget that not only works but one that you can actually live with! A good budget is one that allows you to easily manage your personal finances without cutting out any of the things you enjoy in life.

Personal Budgeting Strategies - Want to know which personal budgeting strategies are most effective? Here are three different personal budgeting strategies as well as the pros and cons of each strategy.

Living On A Budget - Think living on a budget is only for people on a fixed or low income and couldn't possibly apply to you? Are you worried that a budget will only reduce the standard of living you currently enjoy? Not worth the hassle?

Cash Budget - What is a cash budget, really? Does it involve getting rid of
credit cards and living on nothing but cash? Is there anyone under 65
living this way? The answers may surprise you.

Debt Management Tips - Looking for debt management tips that'll help you get you out of debt faster? Want to minimize the amount of interest on your debts while your still paying them off? These simple, practical tips will help you do just that!

Getting Out of Debt - What's the best way of getting out of debt? Are you confused about all the different debt solutions available? If you're in debt and considering options such as a debt consolidation loan, credit counselling or restructuring your mortgage to include some or all of your debt...READ on!

Make Extra Money Online - Want to make extra money online? Here's is a listing of honest, legitimate ways to make extra money online - no get rich quick schemes here.

Recommended Reading - Here are some highly recommended books you might be interested in reading. I've learned so much from each and every book listed here.