YNAB - Four Easy Steps to Get Your Money Under Control

It’s happened to the best of us. Come payday, we’re rolling in dough, shopping happily and stress-free. Our brand new paycheck will conquer the world. Weeks later, a noose starts to tighten as the month’s financial supply drains out and the bills just keep coming. The inevitable worry sets in, as does the habit of putting off whatever payments you can for the next month’s paycheck. When it does come, the process repeats and before you know it, you’re stuck in a vicious cycle of debt and bad financial habits.

The situation seems hopeless and most people can’t or have a hard time digging themselves out of money troubles. With You Need a Budget, the solution to your problems is at hand.

At first glance, YNAB Pro doesn’t look different from any other budgeting software available in the market. It helps you keep track of your financial state by the entries you make of your daily transactions. Looking at it closely, however, you’ll see that it doesn’t just add and subtract numbers for you – it solves your money problems with four unique concepts:

First, it teaches you to live on your previous month’s income. This is basically a requirement – you can’t begin your YNAB “program” properly if you’re living in the now. It may take you a few months to position your cash flow this way, but YNAB Pro has additional tools to help you get started. You can view this approach as the essence of YNAB because the other three concepts are built on it. By living on what you’ve already earned, you’re budgeting on money you already have. You don’t have to forecast on overtime pay and other variable income that may or may not be available.

Second, because you know how much you have for the month at the very last cent, you have the ability to allocate all of your cash for something. This is a good habit to develop because you can make sure that bills and other obligations are fully paid every month and wouldn’t be affected by your other expenses. Knowing how much you can spend freely is a great stress-relief in itself.

Third, by living on what you earned last month, the paycheck you get now will be a comfortable buffer for you. You wouldn’t be in such a tight situation financially when an emergency calls for some more extra cash at hand. YNAB Pro also helps you get ready for those less frequent (but huge) obligations like car insurance by allocating a small fraction of cash for them in the months prior to their due date.

Fourth, YNAB helps you deal with overspending. Whether you’ve gone beyond your budget shopping or doing the groceries, the software immediately adjusts your other expenses so that you’re on your feet again with a clean slate for the following month.

To truly establish financial freedom, you need a budgeting solution that doesn’t just track your spending. You need something that helps you develop better habits and actually get you out of debt. YNAB is the perfect financial solution and is a true investment for your future.

If you would like to be emailed proven financial tips that others are using to get out of debt and create a massive savings visit http://ynab-review.weebly.com . You can also watch a YNAB video walk-through and receive 5 Free Bonuses you will not want to miss out on with your purchase of YNAB.