So when times are good, you can budget at the seat of your pants and probably get away with it. Suddenly I matured (at 46) and decided to really work on budgets this year.

So I started like everyone else looking at Quicken and MS Money. I have to say they don’t work for me.

a few days ago I discovered YNAB “you need a budget” and was hooked.

This guy gets it, how we all live from paycheck to paycheck and teaches you how to get a cushion and get comfortable. He does it with a short book a little software and great video tutorials.
1. Stop Living Paycheck to Paycheck

2. Give Every Dollar a Job

3. Prepare for Rain

4. Roll with the punches

try it. www.youneedabudget.com