This is an unpaid review of You Need A Budget, also known as YNAB. I bought it last month from steam at a discount, but had long heard of it by others who gave rave reviews about this personal finance software. Since it's at a great discount of 75%, I decided to plunge into it and try it for myself. Prior to this leap in using the software, I already had a working excel spreadsheet that works for me for the past 5 or so years. The spreadsheet is meant to keep tabs on my expenses and also keep records of all my transactions in the form of a cash flow statement, balance sheet and an income statement. I record all my expenses and the income flowing from my handphone using just a simple note taker, afterwhich I'll transfer the information to my spreadsheet in my computer after forthnightly or ......