You Need A Budget (YNAB) - Personal Finance Software Review

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(More customer reviews)YNAB Rocks! In a truly frightening kind of "I spend that much money on THAT!" way but in a great way because you can see the impact of your daily coffee habit on your car insurance payment 6 months away.
YNAB allows you account for all your annual bills in 1/12 increments and then when they roll around the money is there to pay for them.
The heart of the YNAB system is a "buffer" which is comprised of last months paychecks in order to allow you to save this months paychecks. You can only live on last months money that you have budgeted into categories beforehand. The premise is that you are never broke and will not have to worry about fluctuations in income if you are living on what you have ALREADY earned.
So the buffer is one full months income. So I'm earning May's income and it is just pouring into my checking and sitting there. Also sitting there is all of April's income. April's income is what I'm paying my current bills with. May is accruing. And I'm budgeting for June's expenses with an eye to leftover April income instead of instantly using Mays.
The way I'm beginning to think of it is: Quicken is a snapshot of yesterday. YNAB is a crystal ball showing me the future.
This is a stand alone piece of software that can download transactions right from your bank so if you use a debit card you don't need to enter receipts for things. I can also say the tech support is the most amazing I have ever dealt with. I sent in a bug report and within 15 minutes had email waiting for me telling me to delete a particular font and then it worked perfectly.
Two thumbs way up but only if you want to see all the leaks in your money handling.


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Simply Accounting Pro 8.5 (2-user) Review

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(More customer reviews)This is an excellent accounting software by an excellent software company. AccPac has been in the accounting software business for over 10 years. They are the makers of the famous AccPac for Windows and DOS.
Simply Accounting does a very good job for small businesses that need to do their own invoicing, track inventory, sales tax, and especially projects. Project accounting can get complex, but it can be handeled very well with Simply Accounting. In fact, if you like to call your projects something else like, events, cases, sites, or anything else that makes sense to your own business, you can do that. That usually comes in handy for small attorney firms that track accounting by each case. Other types of businesses that would need that feature would be any type of general contrator, plumber, gardner, pools, or anything else.
I highly recommend this product and if you have any questions, just let me know.

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Simply Accounting Pro allows you to automate everything from making purchases to making sales, plus paying your staff, managing your projects, and more. The advanced functionality delivers support for online banking and electronic payments, support of more than 3,000 currencies, and the ability to create and customize an unlimited number of reports.
Simply Accounting Pro contains more than 100 predefined reports. With a click of a button, you can view in-depth transaction details behind the reports. Reports can also be customized so you can decide what information is important to your business and how it should be presented. In addition, you can create an unlimited number of your own reports using Microsoft Word and Excel, and Crystal Reports. The software integrates with Microsoft Word and Excel to consolidate your reports and data and is built on the Microsoft Access database platform.
Note: This version is for up to two users.

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