Adobe AIR based financial planner software Free Download

Any software that's based on Adobe AIR is a big hit with me because I think the platform lends itself to creating elegant interfaces.

That's especially true with You Need A Budget (YNAB) which is one of the slickest and most user friendly budget managers I've used. Installation is a little lengthy even if you have Adobe AIR installed although if you don't, YNAB offers to do it for you. You'll also need to enter your system password to install it.

When opened for the first time, YNAB asks if you'd like to associate your downloaded bank statements with it or allow another application - such as Moneydance - to take care of that. When you enter the main screen, YNAB acts as a kind of financial adviser, suggesting ways in which you should be managing your money. You can of course, just ignore all this and open an account.

However, You Need A Budget is named as such because its all about budgeting - something it does very well indeed and if you're having financial problems, you're advised to listen to what it says. YNAB uses what it calls the 4 rules of cash flow - Stop Living Paycheck to Paycheck, Give Every Dollar A Job, Save For A Rainy Day and Roll With The Punches. Each section gives you advise and tips on how to organize your accounts effectively.