My husband and I have been running our household on a budget for over 20 years now. It’s been a HUGE blessing to us to be able have all our bills and expenses set up in such a way that we don’t have to worry when the bills come do.
Before getting on the budget, I would forget to set money aside for bills like quarterly auto insurance or yearly tag renewal and it would catch me off guard and struggling to find money to pay for things.
There are a lot of different budget strategies out there that are available to use, but after researching different ones, I’ve found that YNAB – You Need A Budget, is the best, in my opinion.
When I first downloaded YNAB a few months ago (and did a review), there were a few things that I didn’t like. It wasn’t as user friendly as I thought it would be and it didn’t have an option to ‘reconcile’ your account.
But the YNABers at YNAB have put together an updated version and I am LOVING it!!
- Reconciliation – CHECK
- User Friendly – CHECK
Other new updates are:
Income Breakdown in the Budget
Use the ‘c’ key to clear or unclear transactions
Search for ‘Unreconciled’ transactions
One of my favorite things about the YNAB program is the ability to download my transactions straight from my online bank account. It makes it SOO much easier to stay on top of all my purchases and payments and it saves me from having to do A LOT of data entry.
And YNAB has even put together Mobile Aps that allow you to have access to your account from just about anywhere.. which is great to have when your out shopping and find a great deal you just can’t pass up.
I could ramble on and on about why we love this program but ultimately (if you’re like me), you’ll want to try it out for yourself.
So stop by their web site and check them out..
But before you go… here’s a fun video that tells you a little more about YNAB