You Need a Budget or YNAB is a desktop software. And as the name suggests, it helps you to smooth down your personal expenses and budget. It costs just $60 which happens to be totally within your means. You are also offered a trial version for thirty days. This budgeting app enlightens you about conscientious budgeting and educates you about the importance of budgeting. This 32 MB program starts teaching you from basic ideas. You can use a mobile for accessing the budget you have made. Working offline is also made possible here.

YNAB is created with a strong philosophy in regard to finance-management. The video tutorials can be of great and genuine help. Here you also get instructional web-seminars, live. You can learn a lot of valuable money-managing ideas and principles from this app.

Users can download and set it up easily. One just has to select the date format and the currency. It tells you about 4 fundamental principles. They are; every dollar has to be given a job; there should be saving for rainy days; rolling with punches; and living on the income of last month. It is given a balance-sheet type appearance. If your main intentions are making budgets, following them religiously and being free from your debts; you should certainly go for YNAB.