You Need A Budget questions

I really like it. For years I used an xcel spreadsheet and it worked, but when I switched to YNAB it was so much easier to really see where our money was going and what we wanted to save for. I have no cons.

We do not have smart phones. I have only used it on our laptop or desktop. So no, you don’t need to have an I-phone or anything fancy.

Yes, you can use it to save for the unexpected. You can use it basically as a virtual “envelope” system and budgeting money into specific catagories so that every month your carryover is $0. That way every dollar is going to work, either currently to pay bills or is already earmarked for the unexpected or planned expensis that come up. So you are carrying over actual money, but according to the budget every dollar is working for you in a catagory. Once you purchase it you can go through tutorials on how to use it. I use it a bit differently; but it works well for us. We use credit cards, but the way I have it set up it basically treats credit card purchases as cash purchases so that we keep spending in check. There are also helpful forums and customer support to help if questions come up.

I have used it for over 2 years, and it has paid for itself over and over again. I enter charges every couple of days and by staying consistant it helps us be aware of where are money is going now, and where it is going to have to go in a few day, weeks or even months.

They have done updates, but I have never had to repurchase.