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March 30th, 2007 at 09:11 pm

HI, my name is nitajaye and I am an overspender, non-financially disciplined, disorganized and am one of the queens of procrastination.

PLEASE HELP ME!!!!!!!!!!

I have been lurking in these blogs and posting every once in a while.

It seems that the YNAB program is fairly popular. Would some of you answer a few questions for me?

1. Do you like this software
2 Is it easy to use (for the computer illiterate person like myself)
3. I have used Quicken for a short time, is YNAB anything like Quicken.
4. Do you like the original version for 19.99 or the pro version for 39.99.
5. Is pro worth the extra 20.00
6. I do not have excel on my computer
7. Do I need to purchase excel
8.What kinds of things does this program do
9. what are your favorites
10. what do you NOT like about it
11. If i purchase it does anyone want to come to my house and enter all the information in it for me
12. Yes I have done some research on it but as soon as I leave the sight I forget about 3/4 of what I have read.

13. I'm getting a headache, should I quit banging my head against the monitor screen.

It's 11:00 and I need to go to bed I will (hopefully) read some of your answers and reviews tomorrow.

Good night all

Thanks in advance for any advice.

6 Responses to “??????YNAB???????????”

  1. pablo71 Says:

    I have used YNAB for the past year and find it very straightfoward and intuitive. I have never used Quicken, so I can't provide you with a comparison. I have the original version (they only recently came out with the pro version). The original is in Excel format whereas the pro is in a Windows format and looks a lot slicker and has more graphs. If you don't have Excel on your computer, you would need to purchase it to make the original version work, so I would recommend you go with the pro. The only thing I don't like is that YNAB wants you to have a one month living expense cushion, so you live off your previous month's income. You can still use it if you don't meet that requirement, but that is the goal of the program. The other spreadsheets I use can be found at http://www.mdmproofing.com/iym/ You may want to try there first since it's free. I really like his net worth spreadsheet and I use his budget spreadsheet as a good overview. He also has a great writeup about his experience with YNAB. Good luck!

  2. Ima saver Says:

    Wish I could help you, I have no idea how to do anything on a computer. What I did do, was write down a budget and I have been using the envelope system for 42 years. It works for me. I cash the paycheck and put away 1/4 of what I need each month in an envelope. For example, I budget $160 for electric (my highest bill), so I put $40 in that envelope every week. It is easy!

  3. homebody Says:

    Ima why do you keep saying you don't know how to do anything on a computer? You know how to get to the internet, find a site and post messages!

    NitaJaye! I started with the original YNAB on January 1st. I am not a month ahead yet, so all my income is still supplemental. I also use Quicken mainly for the end of year reports I need for taxes. I don't mind entering everything twice since I enjoy working with my finances. I thought you could get the original YNAB that worked with Open Office a free spreadsheet program, but don't quote me on that...

    I am finding YNAB very useful. Good luck!

  4. Dido Says:

    I used YNAB (the Excel version) for 6 months of last year, and think it's a good program. You do NOT need Excel to use the original--you can use Open Office, a freeware version, I think, instead. But if you aren't computer-literate, the Pro version might be easier to use.

    I like it, but it did frustrate me that the program assumes the one-month buffer--I always felt badly since I just could not get that all of last year, having some significant unexpected veterinary expenses that put me way behind.

    Jesse is very helpful, and there are now Forums for YNAB users, so there's a lot of support available.

    I like the program better than Quicken or MYM.

    One reason why I switched away from YNAB was to be able to have a program that enabled me to reconcile with my bank balances (I now use another envelope-based program called Make$ents), but I noticed that they just added automatic bank downloading from YNAB pro, so that bank account reconciliation capability might be there now.

  5. Lux Living Frugalis Says:

    Hated Quicken, love YNAB. Looking forward to upgrading to the version that pulls in the bank info! Soon!!

  6. andy Says:

    I have been using YNAB Pro for the last 3 months and have to say its the best software I have found to manage my money. I dont think you can go wrong using ynab, and if you get stuck just head to the forums for help.

    good luck

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