YBP has a Budget for You
Are you just beginning?
Whether you're just starting to make an income or starting to use a budget, YBP will allow you to start with a simple budget. Start-up will give you a list of the main expense and savings categories. You simply click on the categories currently needed. Then press ‘finish’ and the Budget will pop up with just the categories you requested. Don’t worry if you missed a category because they can be added in later. If you added one you don’t need don’t worry either. When you start the program, it will only show categories with something in it. That means no excess clutter in the budget. Just remember to read through the materials in the Budgeting category and check out the Instructions in the Dashboard (upper left corner) in order to budget correctly and understand how the program works. You’re off and running now.
Saving for Something Special?
Who doesn’t? We have three modes of Savings Planners for your use. Go to the Savings section of the Budget to find the list of Savings Planners.
The first one is a simple one, called 'On-going". This is for people just starting out and wanting to simply put some funds aside for future use. Give the savings a name (for general use or a car or yearly gifts). Add a note just to remind yourself of any issues. Then add the amount you want to add in each month. We like to say how much to prompt you to actually put in that amount. We find that by having this amount people tend to put that much in. If there is no fixed or set amount then people tend to put in a lower amount.
The second one, we call them targeted. They are for specific purposes and are more complex like a vacation. Going on a trip can have lots of expenses. Flights, food, accommodations, souvenirs. With so many possibilities, YBP created a planner so that you won’t miss any costs.
The third one is called ‘other’. This one is for people that want to create a personalized one for themselves. You can make it as simple as they want or as complex as they want.
So, you’re covered no matter how you want to save. +++link to Save First page+++
Once you click on finish, the savings planner will automatically show up in the Savings section of the budget.
Are You in Debt?
Do you have any extra unplanned bad debt? You’re behind on the rent, haven’t paid up the internet bill or you’ve got a huge credit card bill? If you have multiple bills or just one big one that you can’t pay in just a month or two, then you should use a planner/calculator to help get control and help pay off the debt. a +++debt planner +++link to debt planner instructions, app or sample+++
Open a Debt Planner. You can open several and it will total or debt. It keeps track of each debt you owe on, how much you paid off and how much you still owe. If you don't pay off enough debt for the month, the program will flag it and let you know you should pay off some of the debt.
Do you live from paycheck to paycheck?
It is a daunting task trying to get ahead. By using a Budget Program, either simple or complicated, computerized or manual, you will likely be improving your chances to improve your financial situation. By using a program that advocates Savings (even just a bit at a time and slowly growing) to spending wisely and paying down debt you are showing that you want to learn and improve your finances.
Do you want your family to feel Financially Secure?
Of course, every family wishes they were financially secure. It is a great feeling. There is no financial tension so there is a lot less tension all around. That leads to much better health as well. It’s a win-win situation.
Do you make Variable Income each month?
Do you find it difficult to budget because one month you made very little and the next month you made a lot more?+++link to instructions or app or sample+++ It is possible to smooth out the flow of cash. With our Variable Income Adjustor, you can create a cushion of funds so that you can create an even flow of funds from month to month. It makes budgeting so much easier.
How do you solve all of the above situations?
Budgets are the best solutions to the above issues. While Budgeting will never become a favorite or fun thing to do, it can become much more palatable.
YBP solutions will lead to Reduced Debt, Increased Savings, and everything will seem to be a little better.
+++link to paid services (subscription) page+++