YouNeedABudget.com The YNAB Personal Budget uses Four Simple Rules of Cash Flow Management. Following these straight-forward rules will get you on track step by step towards healthy, easy, intuitive, cash flow management. It will change your finances forever. YNAB 3 - Redesigned from the ground up in Adobe AIR platform making it able to run on both Windows & Macs.The YNAB Personal Budget uses Four Simple Rules of Cash Flow Management.Following Four Simple Rules of Cash Flow Management will get you on track towards healthy, easy, intuitive, cash flow management.For fast, effective, financial relief -- You Need A Budget.How can your money work for you? -- You Need A Budget.Excel Personal Budget.Simple, Effective, Powerful Budgeting System.