It’s a much better version of what I used to hack together in an Excel spreadsheet. You Need A Budget, often called YNAB, is a budgeting software that will help you set, maintain, and stick to a budget. What if you just want to maintain a budget? Enter You Need A Budget. Since then, I’ve been tentatively using online personal finance tools because of the security issue and instead I rely on Quicken’s app, which is one of the most comprehensive tools available. As a numbers gal, this wealth of data was amazing and helped me tweak my spending, find my financial leaks, and reach financial goals much sooner than I would have without budgeting. For years, my budget consisted of an Excel spreadsheet that documented every purchase I made every single day of the year.
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