![]() ![]() I used YNAB Pro for 2 months, and while it is a great piece of software, it just wasn’t exactly what I needed. I tried PearBudget’s spreadsheet, PearBudget online (you can read a review of it over at The Simple Dollar), Mvelopes, Mint, and finally YNAB Pro which I wrote a full review off. I began scouring the internet looking for various budget software packages and trying them. The spreadsheet worked fine, but I wanted a better solution. To resolve this, we set a budget for each paycheck. Since I get paid every two weeks from my full-time job, every so often we would overspend a little in the first paycheck, and be short in the second. We also started managing our budget at a per paycheck level, rather than monthly. My second version was a little better, and allowed entry of transactions, but I still had to manually categorize them. I also didn’t care for the way I showed all of the months together on one spreadsheet. As I began to learn more about budgeting and managing our finances, I began to enhance the spreadsheet a little, but it was still very manual and fairly tedious. ![]() It provided no automation, and no details on transactions, but it worked. It was a very simple Excel spreadsheet that basically contained a list of our income and expenses. The budget spreadsheet followed the principles set by Dave Ramsey in that it was a zero based budget done month to month. The very first personal budget I ever made was done using a Microsoft Excel spreadsheet.
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