You Need A Budget Make Budgeting Easy

By: Eric Transue Click author's name for more of his/her articles

Do you want help budgeting? For most the response is of course. Budgeting doesn't need to create headaches. Budgeting can be simple using You Need A Budget Pro.
What is YNAB Pro?
YNAB Pro is a software program used to create and follow a budget. YNAB Pro makes it easy to set limits for budgeting categories and track how you are doing.
The goal is to stop living from paycheck to paycheck. This is accomplished by creating a one month cushion. The one month cushion is equal to how much you get paid in a month. The cushion is used to budget for the current month. For example if the current month were August, you would be budgeting and spending money you made the month prior. Don't worry if you don't have enough money saved up for your cushion. YNAB Pro will show you how to create it.
After you have your cushion created you will no longer be surprised when unpredicted expenses such as auto trouble or health expenses come up. You can roll with the punches. You are no longer restricted by one months worth of pay. Go ahead and dip into your reserve cushion. YNAB will adapt your next months budget by deducting whatever you borrowed for the unanticipated expense. So if you are twenty dollars over buget in May, then you will have twenty less dollars to use for budgeting in June.
Here are theYou Need A Budget basics.
Are you under budget? Are you over budget? With You Need A Budget Pro you will quickly be able to tell.
When you begin the YNAB software you set up budgeting categories or use the defaults. You can use standard categories such as Debt Reduction, or break it down with subcategories such as "Debt:Charge Cards" and "Debt Reduction:Car Loan".
Next, record your transactions in the YNAB register. Insert the transactions manually or download them in MS Money or Quicken format from your bank. You will then specify a budgeting category to each transaction in your register.
The budget screen displays your financial information for the current month using three columns; Spent, Budgeted and Balance. The "Budgeted" column will be filled in manually by you. As you insert an amount for every category it will be deducted from that months money available. The next column "Spent", will be filled in automatically as you assign categories to each transaction in the register. The last column "Balance" will show you how much under or over you are for that category.
The You Need A Budget Pro report screen will give you a visual representation of where you stand. This screen lets you to easily see how much money you are spending each month and your current balance for each budgeting category.
You Need A Budget Pro, is all about budgeting.
There are other personal finance programs. For a reasonably priced Quicken Alternative or a Microsoft Money Alternative, You Need A Budget Pro is the solution for you. Many programs have to many options distracting the user from the budgeting basics. YNAB Pro uses a established methodology making budgeting simple and easy to stay with.

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About The Author: If you have had problems creating or sticking to a budget in the past, give the You Need A Budget Personal Finance Software Program a try, it worked for me.