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Early in 2003 Julie and I (Jesse) were married. Some people say when you’re newlyweds you live on love. While it’s true that we were (and still are) in love, we also needed food, shelter, and textbooks for school…
So that “living on love” idea is really only half true. With both of us going to school full time,we were broke, and I knew we would need to watch our money. I began developing a system to help us track our expenses. What was a simple expense recorder evolved into something quite useful. I saw needs as they came, and adjusted the system accordingly. As we used this rather unique, we realized we had plenty of money (by our standards) and were even able to save a substantial portion for when Julie would stay home to be a full-time mom. Living this way, and seeing how absolutely invaluable it was, we naturally talked about it with our friends and acquaintances. They all expressed an interest in “needing a budget.”

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It Worked For Us

Trusted Windows (PC) download YNAB 4.3.857. Virus-free and 100% clean download. Get YNAB alternative downloads. YNAB 4 is a completely new installation so you’ll need to download it first if you haven’t yet. It will arrive as a ‘Trial’ copy as all copies of our software do. You Need A Budget is award-winning software and a proven method—that works. Download YNAB app for Android. Gain total control of your money while massively reducing your financial stress. Oct 20, 2015 New app is a massive improvement I had started using YNAB but ended up losing the habit because there would be times when a purchase made on the go couldn’t fit into any existing categories I had set up on the web app, and I had no way of changing things until I. YNAB Keygen Crack Serial YNAB 4.3.857 Activation Code A reliable an easy to use application with modern-looking interface that allows you to manage your financial transactions and incomes ➥ Download YNAB + Crack Keygen.

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With our first baby just arrived, and a bit of spare time on my hands during the summer break, I started doing a bit of research about what types of budgeting programs were already out there. Through my research, I realized one thing: They were all basically the same. You would enter your income and projected expenses—a static budget. We used a living budget and I saw that our system was uniquely powerful. This realization helped me find the motivation to begin developing our budget into something that could be used by anyone. The system works. I use it every day (well, about once a week).
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YNAB is now a full-blown endeavor, driven by a small, passionate team. With tens of thousands of users spread all over the world, we hear reports daily of people paying down their debt, saving more money, and breaking the paycheck to paycheck cycle. Some simply report that they’re—pardon all the cheese here—happier.

What We’re Doing Now

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Currently, Julie is extremely busy taking care of our five little kids (7, 5, 3, 2 and new). I’m a graduate of the Masters of Accountancy program at Brigham Young University in Provo, Utah, and a former (slowly recovering) Certified Public Accountant. I stay busy teaching YNAB, helping others get a hold of their finances , hanging out with my kids, gardening, and playing golf.
Even if you don’t purchase YNAB, please learn all you can from the principles taught throughout this site. They will change your life forever.
Save for a rainy day.

Do not buy You Need A Budget (YNAB), created by Jesse Mecham without reading this review first. You’ll kick yourself later if you do. Full Review and $74 in bonuses below.

So…the burning question…what is the deal with Jesse Mecham’s You Need a Budget software? Is it worth it? Does it actually work? I hope this review will answer any questions you have.

First off, a full disclaimer: I am affiliate for Jesse’s software. To be clear, though, that does not affect what I share below in any way. It does, however, mean that if you buy through my link, I get a commission from Jesse. It also means that if you purchase through my links in this review, you will earn access to my two exclusive bonuses, worth $74. Yes, that is 125% of the actual value of the software! These bonuses are not available anywhere else. <<Skip to Bonuses>>

So all that being said (or written, I suppose…) Here’s my full review of Jesse Mecham’s You Need A Budget software.

*NOTE: Since posting this review Jesse and the YNAB Team have released the New YNAB — a cloud-based, subscription version of YNAB. I have done my best to update this post to reflect the changes encompassed in the new product, but I may have missed something…so be sure to review the info on YNAB’s website before making your final decision!

What’s Good About You Need A Budget?

What would a good review be if I didn’t mention some of the benefits of YNAB? Don’t worry, I cover both sides and I will mention some downsides below.

1. You Need A Budget Restores Your Hope.

Let’s be honest, finances can be depressing. If you’re like me, you began looking for budgeting software because you felt like you needed to get more control over your finances. Many budgeting solutions feel restrictive. Jesse’s system and YNAB software make you feel like you’re in the driver’s seat with your finances, not in the backseat in handcuffs.

The YNAB system is a refreshing way to look at budgeting. Rather than being tied to a number you picked at the beginning of the month for a certain category, you can (and are encouraged to) make wise adjustments based on new information and changing priorities.

Add to this the YNAB software and you are able to implement this methodology quickly and easily. No filling out 20 sheets of papers for a budget, a debt snowball and who knows what else! No carrying around 10 envelopes with cash in them, trying to keep everything straight. Just a simple, intuitive software program.

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2. YNAB Won’t Take Over Your Life.

You will not be beholden to your budget…and you won’t have to have your face glued to your phone or computer for countless hours to make it work.

One of the things I love about YNAB is Jesse says over and over again…if you are constantly staring at your budget your family and friends are going to start thinking you’re weird!

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Once you get everything set up, the YNAB software will let you streamline your finances and feel like you have a better grasp on where your money is going. That’s a double bonus!

3. Take Your Budget With You

Jesse and his team over at YNAB have thought of everything…seriously. I don’t know this for sure, but they might have thought of a way to grow a money tree (Ok, that might be a stretch…but you might feel like it after using YNAB for awhile!).

The folks over at You Need A Budget have created a killer computer program, with equally awesome tablet and mobile phone apps. You can literally carry your entire budget with you in your pocket (that wouldn’t be real easy with 30 pages of budgets, debt snowball lists, and envelopes full of cash…).

This means no more saving receipts and spending an hour at the end of the day entering all of your transactions. I literally have my transactions entered between when I check out at the grocery store and when I get in my car in the parking lot. It is that easy!

4. Cloud App

I’ve gotta admit, I was a bit hesitant when YNAB recently rolled out their cloud app and subscription based product…but I love it!

My budget updates seamlessly between my computer, phone and iPad. and one of the coolest things is that Jesse and his team are constantly updating the app and adding awesome features…and because it’s cloud-based, it’s always up to date…no more waiting for the new version to come out to get new features!

It’s like Christmas every time I pull up the app and see this little box:

5. The YNAB Team Will Have You Up and Running In No Time

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First off, the You Need A Budget software is easy to use. They have seriously thought of everything. You can tell that this is software that is used day to day by those who create and design it. YNAB just transferred over to a cloud-based app that updates frequently and syncs seamlessly (without using Dropbox, like YNAB 4 did…) There were 4 versions prior to the New YNAB…I never used versions 1-3, but my experience with version 4 and now with the New YNAB tells me that they have implemented feedback from users to make this software as intuitive as possible.

Setting up a new budget is a 5 minute process, tops!

The best part of YNAB is the support team that Jesse has put together. They have several education specialists on staff and they put on live webinars almost daily to help you implement the You Need A Budget system quickly and the right way.

I have a lot of respect for Jesse Mecham. I’ve never met the guy (though I would love to at sometime…Jesse, if you read this, let’s grab a bite next time we find ourselves in the same area code!), but I’ve been extremely impressed with how focused he and the YNAB team are not just selling their budgeting software, but in teaching and educating their customer to change their financial future for the better.

What Are The Downsides to You Need A Budget?

1. You Have To Have a Computer

One of the downsides to YNAB is the fact that you have to have a computer to make it work. The whole software program revolves around the computer program.

This might not seem like a big deal, but I was talking to a friend who was interested in purchasing You Need A Budget. Things went well until I explained that you needed to have a computer for it to work. This caused her to pause.

So if you are still in the Stone Age, you’ll just have to keep using your ledger book and handwriting your budget (I think my grandma is still doing that… yikes! No thanks!)

Seriously, if you’ve been on the fence about getting a computer, I think YNAB is just the excuse you’ve been waiting for! 😉

2. This is a Different Budgeting Methodology

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This is a new budgeting methodology. I’ll admit it took me a little while to figure out this new way of budgeting. If you are used to just listing out all of your monthly bills and then trying to make the money coming in magically stretch to cover all of those bills, you’ll have to rethink the way you approach budgeting.

If you are not willing to have an open mind and take the time to understand and implement Jesse Mecham’s You Need A Budget System, don’t even buy it.

Seriously. If you aren’t going to take the time to learn the system, it’ll just collect proverbial dust on your computer desktop.

Who Is YNAB For (And Who Is It Not For)?

You Need A Budget Software is For You if…

  • You aren’t where you want to be financially. Let’s face it. If you are looking for budgeting software it’s because you want to be in a better financial position. YNAB will give you the tools to do it.
  • You’ve tried (and failed) at several other budgeting solutions. You Need A Budget is a breathe of fresh air in the budget software. For me, it’s a budgeting approach that has worked when several others have failed. I think it might be the same for you.
  • You want to spend less time budgeting. As I said above, YNAB makes budgeting easy and mobile. Being able to take your budget with you everwhere…but you won’t need to be glued to your budget.
  • You are in a good financial position, but you want a good, flexible solution. Regardless of your financial position, this software can help you improve it and achieve your goals.

You Need A Budget Software is NOT For You if…

  • You are unwilling to learn. This is a different budgeting system than many of the popular budgeting programs. If you can’t (or won’t) devote a few hours to learning this system, it is not for you.
  • You are looking for a magic bullet. While YNAB is absolutely amazing (in my opinion…), it is not a magic bullet. You can’t just download the software and magically add a few zeros to your budget.
  • You prefer pen and paper. Let’s be honest. If you prefer to do your budget with pen and paper, this is not the system for you…to be honest, the only system that is right is a ledger book!

YNAB Free Trial

Jesse and the YNAB Team offer a 34-day free trial.

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This isn’t one of those trials that is a “light” version of the software. You get a full 34 days to try 100% of the features in the You Need A Budget software.

If you are on the fence, this trial period will help you get off the fence…that and the bonuses I am offering you.

My Exclusive Bonuses

So I’ve alluded to the bonuses…let’s talk about them. When you go through my affiliate link to purchase Jesse Mecham’s You Need A Budget software you will get my exclusive bonuses.

1 Free Month of YNAM — $4

When you purchase through my affiliate link you will get 1 free month of YNAB free. That works out to roughly $4.00 (it ain’t the powerball…but I’m sure you could put that $4 towards something, right??)

Look at that! You’re just starting on your YNAB budgeting software journey and you’re already saving money!!

Free Copy of Both of My Books — $14

My books Project: Success and Start a Conversation With Anyone, Anywhere retail for $7.99 and $5.99 respectively.

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Project: Success focuses on how to take anything you want to accomplish and break it down into a project to make it happen. This book climbed to #1 in the Self-Help category of the Kindle Store when it was released on Amazon. A goal like improving your financial fitness and position with YNAB is a prime candidate for this approach.

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Start a Conversation With Anyone, Anywhere has 6 steps to being able to carry on a conversation with anyone. This doesn’t directly apply to your budgeting…but I can promise it will benefit every other aspect of your life!

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Four YNAB Review/Tutorial Videos From Me — $56

I mentioned before that the YNAB team has a great educational team in place to provide tons of training and support when you are learning to use the You Need A Budget software, and these are not intended to replace those. These videos will be me walking you through YNAB as a regular user. I believe that I probably have a different view of the software than a Jesse Mecham will have…because I didn’t create the methodology or software.

In these vidoes I will go through the software and show you what I’ve learned from using YNAB–what works and what doesn’t work for me.

And I’ll actually give you these videos as soon as you sign up for the trial! (that’s right, you don’t even need to actually purchase to get these training videos!)

These videos, along with the other two exclusive bonuses listed above are yours free when you purchase the You Need A Budget software through my affiliate link.

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The only remaining question is, What are you waiting for?