High Quality Content by WIKIPEDIA articles! You Need a Budget (YNAB) is a multi-platform personal budgeting program available via digital download or traditional CD-ROM. YNAB 3 is designed for OSX, Linux, and Windows, running on Adobe AIR. Previous versions were created in Microsoft Excel, OpenOffice Calc and as a Windows-only executable under the name YNAB Pro. It was designed to work closely with the YNAB budgeting methodology. Unlike other software budgeting tools that give you a snapshot view of how your budget did over the last month, YNAB is instead a forward looking proactive plan for money before it is spent. It does so using what is called a "Buffer" which equals one full months worth of expenses. The Buffer therefore is a specific known amount of money already in hand having been saved for that purpose. In doing so it provides a system for planning and executing short term and long term budgeting goals much more effectively than the standard crystal ball approach where you have to estimate what you are going to have for income before you get it.

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