YNAB Pro is a spesific personal budget program which is available in Windows application and the spreadsheet is customizable in both Excel and Open Office. YNAB Pro is stand alone software (not integrated with Microsoft Money or even Quicken). It was created special for budgeting and handle it better than any all-in-one finance software.
The YNAB methodology uses four rules of cash flow management, which are:
- Stop living paycheck to paycheck (have use the buffer)
- Give every dollar a job (all dollar way down to zero)
- Prepare for Rain
- Roll with the punches (overaging accross next month's budget)