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The issue you'll have is that there is probably negative equilty left on the car as he's only had it a year. What sort off deposit was put down? You can sell the car with finance you just need to be upfront about it, easiest is via a webayanycar type company but shop around as prices vary. Be prepar...

No ones saying you cant end in a surplus without a budget, but I do think it can make it easier, and perhaps higher (the surplus) for many who are not so naturally careful with their money.

“ Curious: If you end up with a surplus every month why do you need to budget? <a href="/showthread.php?s=3036385c25683f06b8cb9955b5233a43&p=72105814#post72105814" rel="nofollow" title="View original post">Originally posted</a> by Anthorn ” I would say he ends up with a surplus beca...

Well I am using the web based version, perhaps you always like what you are used to? Anyway, I find it pretty intuitive and like the way can be flexible with your spending. I think the web verison also has some updates over the desktop one, ie credit cards and now treated as such, etc.

“ Google is your friend. <a href="https://www.google.co.uk/search?as_q=&as_epq=ynab&as_oq=&as_eq=&as_nlo=&as_ nhi=&lr=&cr=&as_qdr=all&as_sitesearch=forums.money savingexpert.com&as_occt=any&safe=images&as_filety pe=&as_rights=">https://www.g...

Who uses YNAB? copperman05

Not much in here on Budgeting despite the name. Just wondered how many people had started using YNAB (YouNeedABudget)? I've found it invaluable it getting my finances in check, knowing where every penny is going really allows you to take control of your spending habits... What is your experience of ...

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