Bob Lotich is a Certified Educator in Personal Finance (CEPF®) and has over 10+ years experience writing about Biblical personal finance and is the best-selling author of 4 books including Managing Money God's Way and has been named a top 20 social influencer in personal finance. How to use YNAB – The 4 Rules Click here to get YNAB Today! So please welcome my boy Vic from DadIsCheap.com today who shares his story on how it's completely changed his finances and gotten his family to save … If you refer at least 12 people per year, and each signs up, you'll get 12 months free. I am SO excited to share this article with y'all today because I haven't done a good job writing about YNAB myself (You Need A Budget) and that's just crazy cuz this is a budgeting site!! Centered around 4 simple rules, they created a family budget that would eventually become YNAB, and as they say, the rest is history. Family budgeting apps 1. Future Budgeting & To be Budgeted If this month’s To be Budgeted is $0.00 and you forget to un-budget money in the future before budgeting more money in the current month’s budget, the future month’s To be Budgeted will turn negative.To get things back on track, head to the future month's budget and move money from your spending categories back to To be Budgeted until it reaches $0.00. His writing has been featured on Forbes, The Huffington Post, Yahoo Finance, CBN, Crosswalk, Patheos … Budgeting needs to be a priority for you and is a must-have skill to teach your family. Hey guys! YNAB is more expensive than its free counterparts and it takes more time to develop your budget. And I love what they're doing over there! You Need a Budget seems to have everything you would need to take control of your finances with a no-guess, no-guilt approach. You Need a Budget or YNAB (paid): Similar to EveryDollar, you will get a free trial period with YNAB for 34 days. After the trial period, you are looking at either $5 per month or $50 for the entire year to use the program. You Need A Budget (YNAB) is an online budgeting tool that syncs with your banking data and makes it easy to understand how much you’re spending across multiple accounts. Despite these drawbacks, it's the best budgeting software … With a cult-like following, YNAB (stands for “You Need A Budget“), which started as a custom spreadsheet, has turned into a complete budgeting solution, helping users “save over $6,000 in their first year using the software! Another interesting feature is the availability to budget using foreign currencies. YNAB ("why-nab"), app has often been touted as a lifesaver for people struggling with debt or just looking to make sense of their financial picture. You Need A Budget (YNAB) The You Need a Budget, a.k.a. 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