Deal DetailsPromoted 03-23-2013 at 05:00 AM View Original Post
Price Research: Our research indicates that You Need A Budget (YNAB) is $44.50 lower (68% savings) than the next best available price from a reputable merchant with prices starting at $65. - yuugotserved
Popular budgeting software, You Need a Budget (or YNAB) is on sale for $20.40 for 24 hours on Steam.
Read more about YNAB here:
Download Steam here:
Personally, I love the software. Along with the mobile app, its really helped me get my finances back on track.
Check out BTs4me's tips in the wiki for using the app without needing Steam.
Able to purchase as well at 11:22 PDT.
UPDATE: Looks like the sale has been extended another 24 hours!
About YNAB (taken from users' comments):
The whole point is that it forces you to analyse your spending and be more aware of where your money is going.
YNAB is essentially a more flexible method of the envelope system with some conveniences thrown in like automatic transactions (reoccurring bills/payments/etc). Mint tells you how much you're already spending and where, YNAB tells you how much you WILL actually be able to spend and where. YNAB is preemptive instead of reactive like Mint or other solutions. Unlike Mint, it doesn't automatically sync up all your accounts and transactions. It's more like a check register where you have to enter everything manually (there are mobile apps for this). You can import transactions, if you download them in a certain format from your bank, but the idea is to get you to be aware of where you're spending your money. Sort of like counting calories. .... As far as I can tell it's just a really sharp-looking spreadsheet.
Instructions for Removing Steam once installed:
You only need Steam to buy YNAB, but not to run it after the first time. You need to run it through Steam at least once, but once you run it there you can click Help->About and get a key to use in the standalone version as well. At that point you can remove it from Steam if you don't want to run it through there.
It doesn't need Steam to be running in order to operate, but you'll need to create a shortcut to the program manually, as the Steam-generated shortcut starts Steam up first.
You can sign up for Steam, buy YNAB, install Steam, install YNAB, run YNAB and then go to the 'About YNB' section and copy the activation key to the clipboard. Save that key to a text file for safe keeping. Uninstall YNAB, uninstall Steam. Go to the YNAB homepage and download the stand alone version, activate with key. Never use Steam again.
TIP (thanks to DealMonkey):
Download and install TrueCrypt. Store your YNAB files in an encrypted container. YNAB doesn't have a password protected option so TrueCrypt will give you security of your files.
Already Own YNAB?
Email them and ask them to refund the difference. They have been doing this for people. Great customer support.