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YNAB - Personal Budgeting Software

It's been a while now since we started using You Need a Budget (YNAB)... If I remember correctly, we bought this amazing software last May 2009. Since then budgeting has never been easier! Here's why:
  • It has a super cool user interface that's robust, yet still easy to use --> Think Apple UI
YNAB
  • I have always been confused with debit and credit, good thing, this app uses IN and OUT instead
  • It's more than an application... it encourages you to make saving a habit through goal setting and living by its 4 principles:
Give Every Dollar a Job
Each month you assign your Available dollars to spending/savings categories. This process takes 20 minutes and revolutionizes the way you think about your money.
Result: Dollars are told what to do. Your awareness will increasetremendously and you’ll find contentment as your spending aligns itself with your core values. Communication between spouses is restored.
Save for a Rainy Day
You’ll anticipate larger, less-frequent expenses and will be ready for them. Insurance premium due in six months for $600? Save $100 each month and watch the Car Insurance balance grow.
Result: Eliminate the crazy ups and downs in your life. Gain atrue picture of your discretionary income. Enjoy opening the mail again (the money will be there waiting to pay that bill).
Roll with the Punches
The key is to keep moving even when you fail (you will). YNAB will make small adjustments when you overspend, ensuring that you fix those mistakes before you go to the next month.
Result: It keeps you on your budgeting feet, so when you fail, you don’t quit. You start each month with a clean slate–a hugepsychological boost.
Stop Living Paycheck to Paycheck
We want you to work toward living on last month’s income. Both the software and methodology will help you do just that.
Result: You’ll find breathing room. You’ll stop wasting time by timing paychecks with bills, and if you’re on a variable income, your budgeting “problem” will be eliminated.
Budgeting
  • It is super lightweight and multi-platform, it even has an iPhone and now an Android application
  • Syncing is very easy, it highlights the updates or conflicts between devices, and allows you to easily check for it and approve as necessary
If you're still in doubt, read what others think about YNAB:
Enough said, why don't you guys just try this wonder for free :) I know, this is starting to sound like a paid ad but that's how happy I am! I can't stop spreading the good news! =) In fact, I'm glad that I am finally able to post this one because looking back, I really owe Jessy (founder of YNAB) big time! Read their story here.
If you have any question about this app, feel free to contact me via email. I'll be a YNAB consultant for free!

New Look of Apple iPhone 5?

Much has been talked about the iPhone 5, numerous speculations and requests have circulated all over the internet. But wouldn't it so lovely if the iPhone 5 were to look like this?

Revilla Enraged Over Ramgen and Janelle Manahan's Leaked Sex Video

Senator Ramon “Bong” Revilla Jr. was enraged over the leaked sex video of his brother Ramgen and Janelle Manahan. He sought the help of the National Bureau of Investigation (NBI) in identifying and prosecuting the culprits over Anti-Voyeurism Law of 2009 (RA 9995).


Bong said that what they did was "Sobrang pambababoy ang ginagawa nila sa kapatid ko. Karumal-dumal na nga ang pagkamatay ni Ramgen, sinisira pa nila ang pagkatao," Revilla said in a statement Tuesday.

"Mas grabe pa ang pambababoy na ginagawa nila kay Janelle. Grabe na ang kanyang pinagdaanan, at pilit pa nilang niyuyurakan ang pagkababae nito ngayon," he added.

Janelle admitted to the authenticity of the video but is sad and frustrated that it circulated on the Internet.

Katy Perry Live in Manila

My wife and I will soon be watching Katy Perry here in Mall of Asia Complex this January. We are both very excited about it but quite hesitant of how this concert will turn out, given that Katy is in the middle of divorce.

It's been a while since her last concert here in Manila and we really regret passing up on that opportunity to watch her because now, we might not be able to enjoy her full performance level because of her recent breakup with British comendian Russell Brand. Tsk too bad. :(

Anyhow, Katy is in the middle of her concert tour for her Teenage Dream album and in constant communication with Rhianna, her close friend who's now her shoulder to lean on. We pray that Katy recovers quickly because Russel is clearly not her loss.

New Year New Hope

Welcome 2012!
My family welcomes you with joy, hope, and positive foresight. This year we will:
  • Reach for the stars
  • Achieve our dreams
  • Make the calls
  • Seriously do the business
  • Aim for the 640k prize for hard work and patience
  • Look at only 1 direction as a team
  • Aim for that free Honda City
  • End the year with a bang, as we have with 2010 and 2011
May this year be fruitful, lovely, and kind. May this year allow us to realize our dreams :)
Signing off, Jameson.