Our decision-making process, the Circle of Wisdom, teaches that awareness is the first step in creating a life you love. So how does that help you get out of debt and gain financial serenity?

It’s just like dieting. When you begin a weight loss plan, an “in your face” reality check can clearly show you that what you are consuming is the problem. This awareness can be the wake up call that transforms and energizes your goals. Now that you know the problem, you can achieve success.

If you don’t know where your money is going, it’s impossible to plug the leaks and gain financial peace of mind. Although I use QuickBooks for my business, I have been searching for a simple financial software system I could recommend for personal financial planning.   You Need a Budget is more than a simple, effective personal budget financial software system. It is a tool that will help you quickly gain an awareness about money and lead you on the path to financial peace of mind.

Get Out of Debt, Stop Living Paycheck to Paycheck and Stop Fighting with Your Spouse

End sleepless nights and the stress that financial insecurity brings. Create a written spending plan (I’m not fond of the term budget) that simply and effectively works. Money management is made easy when you know what you want, realistically look at your income and debt, and create a spending and saving plan that works for you and your family. Sometimes a simple financial software tool helps takes the dread out of budgeting.

Do you need a personal financial software tool to get out of debt?

My Lightbulb Moment

Not necessarily. But gaining clarity about your current money situation will be your lightbulb moment. A true foundation to regaining financial control.

Whatever financial planning tool you decide to use (even a simple Excel or Numbers spreadsheet or spiral notebook), gaining a clear insight or awareness into your current situation is essential to get a snapshot of your financial picture.

These tools will shine a strong light on the problem and you will immediately know what you need to do to get out of debt and gain financial peace of mind. Awareness is the important first step.

An Amazon best seller with 93 5-star reviews, this You Need a Budget personal financial software can be up and running within minutes, allowing you to import your banking transactions, track all your spending, and quickly gain financial peace of mind by gaining control of your money. Compatible with Windows Vista/2000/XP, not Macs.  Users claim it is easier to use than Quicken or Money. As I haven’t used those tools, I can’t comment.  I do know You Need a Budget is a much less expensive financial planning software tool especially considering the provided support options.

Created by Jesse Mecham, a Certified Public Accountant, and based on four rules of cash flow, this personal financial software budgeting program helps you maximize your money as you set and fulfill all your financial goals. Get out of debt, save for retirement and remove guilt about spending money by having a defined spending plan already in place. Spreadsheets, online video tutorials, and community forums are made available.

Is this financial planning tool right for you? Maybe. Maybe not.

If you are interested, there is a 60-day free trial available to see if it’s a good fit.

Reviews:

“Just what I was looking for. I was looking for software that used the “envelope system” of budgeting where you take your cash and divide it up into different envelopes for your budget categories and then is removed as you spend. This software fit perfectly…”

“This software is very easy to use. The company goes way above and beyond to make sure you are comfortable through extensive video tutorials and customer support. You can even attend free webinars that go step by step…”

“I love it!! It is so freeing to get a month ahead on paying bills, but even if you aren’t planning to do that, you can use this software and tell your dollars where to go instead of wondering where they went!!!”

“The best thing about YNAB is that I know exactly how much money I have for everything. I know how much I want to spend on clothing, so I dont feel guilty when I buy something…”

“I have used Quicken and Money for several years and I can honestly say that, this is the best tool I have used so far. YNAB is a powerful budgeting tool, but if you only need to track and budget your income and spending, then this is the tool for you. “

Check out more success stories here.

The bottom line? Awareness is the first step to Take Control of Your Money

It is important to face reality, find the money leak and make the decision to fix it. Money matters. Start your Get Out of Debt Journey today.

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You Need a Budget