The YNAB (You Need A Budget) Story

home budget softwareHave you ever wondered about how programs or companies began? I do. I am the kind of person that likes to know “the rest of the story.” With that in mind, I would like to share the story behind the YNAB budgeting software success. This software is fantastic and really helps people change their mindset of budgeting so not only do they stay on budget but they actually prosper through the process. Like most things, it started very small; actually it was a desperate attempt by one family to stay afloat during a rough financial time.

The Beginning

Julie and Jesse Mechum had recently got married and were full-time students in college. That being the case, they were broke and Jesse knew they would need to watch their spending. He started to develop a system to help them watch their expenses. As this system evolved and adjustments were made, Jesse realized that they now had a system that really helped budget their funds. He based it on four principles or rules and by using this four-rule system, he and his wife started to see that they had plenty of money (by their standards) and were even able to save a substantial portion for when Julie would stay home to be a full-time mom. Seeing how valuable this system was, the Mechums shared their knowledge with friends, family, and acquaintances, who expressed a need for having a good budget plan.

The Brainstorming

With the encouragement of seeing a real need for a budget system, Jesse started researching to see what was already out there as far as budgeting programs were concerned. What he found were programs on the market that were basically the same. With the programs, you would enter your income and projected expenses – a static budget. The Mechums used a living budget and Jesse saw that their system was uniquely powerful. (This is the main difference between YNAB and the rest of budgeting software.) Knowing this difference motivated Jesse to continue to develop their budgeting system into something that can work for anyone.

The Reality

Today, YNAB is a full-blown budgeting software enterprise, driven by a small, passionate team. As time goes by, more and more improvements are added to the system, making it one of the best budgeting software programs available. With thousands of users across the world, the Mechums hear how people are getting out of debt, saving money, and breaking the paycheck-to-paycheck cycle.

So now you know “the rest of story” behind the YNAB success. If you need a budget to help you get back on track, check out YNAB. You won’t be sorry.

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