So I was looking for a money management tool for the longest time. My requirements are simple. To be able to set defined budgets and monitor my spending to ensure I keep within the budgets. This should come in a form of an iOS app which I can use on my iPhone since it’s with me everywhere, and also ideally on my Mac for detailed management and reporting.
There was only one product that checked all those boxes. YNAB – which stands for You Need A Budget.
YNAB is built on 4 rules: Give every dollar a job, save for a rainy day, roll with the punches, live on last month’s income. What I really like about the YNAB methodology is that it is real world friendly. It doesn’t expect us to keep to our budgets perfectly. It understands that life will always throw its surprises and it ensures you are ready when that happens. Dread that yearly road tax bill? Hey, YNAB will ensure that by the time the bill hits you, you will not blink and be confident you have that tucked away for this.
The YNAB resource has a great website with lots of resources. Read the interesting book on how YNAB came about, register for a live webinar with real people – where your questions get answered immediately, or just read up online.
After a 34 day trial, I was ready to pay the full $60 (USD). I usually do look for coupon codes before I purchase any software but I could not find one – and there isn’t even a form field to enter any code during the purchase process. In fact, YNAB even has a page saying how there isn’t one! Cheeky because one will probably find that upon searching for YNAB coupon code.
But days after my purchase I received an email inviting me to a referral program where one can get $6 off each purchase of YNAB! That’s a tangible 10% which I wish I had. As a matter of full transparency, I do get $6 for each purchase made through this referral link. But truthfully, if I am not a fan of YNAB, I will not even bother to do this.
So learn more about YNAB, download the trial, and if you are convinced, come on by to get $6 off when you are ready to purchase!
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