Home | You Need A Cash Plan

If you have questions about your household finances, YNACP is the answer you've been looking for.

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What's the best, easiest way to manage my income?

With YNACP which shows you your planned cash flow; not a budget. You always know how much you expect to receive, how much you plan to use, and how much will be left over. And you have this complete, easy to understand view of your household finances for the next twelve months.
Click here to find out more about using a cash plan in YNACP.

Can I manage my irregular income with YNACP?

Yes! You can manage any type of income in You Need A Cash Plan. In addition, there is no limit to how many incomes you can include in your cash plan.

Click here to find out more about how you manage your incomes in YNACP .

How do I stop living paycheck to paycheck?

By using YNACP which aligns your income and expenses in a sensible, easy to understand way that eliminates concern for when paydays happen.
Click here to see how your cash plan is organized.

Does YNACP help me balance my checking account?

Yes! When it's time to balance your statement, you can download a transaction file from your bank or credit union, in .CSV format, to simplify the balancing process which will normally take you just a few minutes.

Click here to learn more about managing your checking account in YNACP.

We have a decent income. Why are we so stressed about money?

Because you don't have the complete, easy to understand view of your expected cash flow that you get by using YNACP. When you have a clear picture of your household finances for the next twelve months, making decisions about how you will be using your income becomes stress free.
Click here to see for yourself how your household cash flows.

Does YNACP help me with my credit cards?

Yes! You Need A Cash Plan supports a four-step method for simplifying the use and management of your credit cards. You can use your credit cards with confidence knowing that you are not spiraling into debt.

Click here to see how you stay on top of all of the parts of your cash plan in YNACP.

What about debt? Will YNACP help me get debt free?

Yes! Planning a way out of debt is simplified with You Need A Cash Plan. With a cash plan for the next twelve months, you can put together a custom pay-off plan that fits in your net cash flow and, more importantly, is a way forward that you can stick with to completion.

The options you have in YNACP for planning your way out of debt include:

Debt consolidation loan
Custom payoff plan for one debt
Debt snowball for multiple debts
Automatic amortiztion schedule for a credit card with a high balance

What's the smartest thing to do with my income?

Save? Pay off debt? Invest? YNACP shows you your financial options based on your real cash flow; so you can act confidently, not just guess.
Click here for a look at the smart way to view your cash.

Will using YNACP improve my credit score?

Yes! Just by using YNACP you could see your credit score improve.

There is no secret formula to building a better credit score, but a key factor in doing so is to pay your bills on time, every time.

When using You Need A Cash Plan, your bills are automatically scheduled so that you never miss making a payment on time. The four-step method for managing credit cards in YNACP helps ensure that your statement balance is paid in full and on time each month with no accumulated interest or late fees.

Is there one place where I can go to learn about my household finances?

Yes! Your Money Digest is your one-stop reference for both understanding your personal cash flow and learning how to use YNACP. The digest is a free resource for everyone including parents doing home schooling, teachers in high schools and universities, and entrepreneurs in adult education.

How safe is my information in YNACP? Who has access to my account numbers and passwords?

Nobody except you and whomever you choose to share with.

You Need A Cash Plan does not use account numbers or passwords for anything. The program is on your laptop or desktop with no connections to anywhere on the Internet.

What makes YNACP different from a budget?

YNACP is your cash plan; simple, practical software that automatically organizes your income around real life, not strict categories or spending rules.
A key aspect of using YNACP is how little of your time is needed. With the program doing the heavy lifting, your involvement in managing your income is greatly reduced compared to doing a budget.
Click here for an in-depth comparison of YNACP vs. budgeting.

What Our Fantastic Users Say

A work in progress

You Need A Cash Plan is ready. This website and Your Money Digest, on the other hand, are both under construction. Come back often to see our progress.

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