You Need A Budget (YNAB)

You Need A Budget (YNAB) is a comprehensive personal finance software designed to help you gain control over your money, reduce financial stress, and achieve your financial goals. YNAB operates on four simple rules:

YNAB offers intuitive tools for budgeting, tracking expenses, and financial planning, making it easier to save, invest, and spend wisely. With a focus on user education and empowerment, YNAB provides numerous resources, including workshops, guides, and a supportive community, to help you master your finances. Whether you're looking to get out of debt, save for a big purchase, or simply improve your financial habits, YNAB can help you build a healthier financial future.

Key features of You Need A Budget:

• Four Simple Rules:

  1. Give Every Dollar a Job: Allocate every dollar to a specific purpose.
  2. Embrace Your True Expenses: Break down large, infrequent expenses into manageable monthly amounts.
  3. Roll with the Punches: Adjust your budget as needed without stress.
  4. Age Your Money: Use money that is at least 30 days old to break the paycheck-to-paycheck cycle.

• Budgeting Tools:

  1. Intuitive interface for creating and managing budgets.
  2. Real-time synchronization across multiple devices.

• Expense Tracking:

  1. Automatically import transactions from bank accounts.
  2. Categorize expenses to understand spending habits.

• Financial Planning:

  1. Set and track financial goals.
  2. Plan for both short-term and long-term expenses.

• Debt Reduction:

  1. Strategies and tools to help you pay down debt faster.

• Education and Support:

  1. Access to workshops, tutorials, and guides.
  2. Supportive community and customer support.

• Reports and Insights:

  1. Generate detailed financial reports.
  2. Gain insights into your financial health and progress.

• Security:

  1. Bank-level encryption to protect your data.
  2. Secure data synchronization across devices.

Triggers:

• Category overspent: Triggers when a category exceeds its budget, resulting in a negative balance.
• Goal completed: Triggers when a goal is completed.
• Low account balance: Triggers when the balance of a Checking or Savings account falls below a specified amount within a given month.
• New transactions: Triggers when a new transaction is created.

Connect with You Need A Budget:

INFO

Pop-up windows must be allowed for this browser session to enable the connection of this third-party app with Workflow Automation.

1. Log in to your You Need A Budget account.
2. Click on your Account Name in the top left corner and navigate to Account Settings.
3. Scroll down to the Developer Settings section and click the Developer Settings button.
4. Click the New Application button in the OAuth Applications section.
5. Fill in the New OAuth Application application form fields Name, Description, Website URL, and Privacy Policy URL.
6. Go to Workflow Automation and navigate to My Apps and Add a new app connection choosing You Need A Budget from the list.
7. Copy the OAuth Redirect URL value.
8. Go to You Need A Budget and paste it into the Redirect URI(s) section.
9. Check the checkbox to Enable default budget selection when users authorize this application.
10. Check the checkbox to acknowledge and confirm this application complies with the API Terms of Service.
11. Click the Save Application button.
12. On the following page copy the Client ID value.
13. Go to Workflow Automation and paste the Client ID value into the Client ID field. Also, fill in the Screen Name field.
14. Go back to You Need A Budget and copy the Client Secret value.
15. Go to Workflow Automation and paste the Client Secret value into the Client Secret field.
16. Click the Submit button.
17. A pop-up window appears. Click the Authorize button.
18. Your You Need A Budget connection is now established.
19. Start using your new You Need A Budget connection with Workflow Automation.