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If I produced something myself it would be tailored to my current needs but also fairly inflexible should my budgeting 'goalposts' shift and not as polished without putting in some major effort. I picked the product up as it was inexpensive and would save me time writing something myself, to look after my budget. I worked as a software dev and systems admin for 15 years (Ingres ABF/4GL, BP3, VB, C, etc - mostly working on Sun Solaris and PC Windows platforms) and I am also pretty handy with excel, there are no doubt some cool spreadsheets out there to help you budget (I have made up some of my own in the past when I felt the need previously to budget my expenses), but I have yet to see a free one that works in such a polished way as YNAB and is as simple to use.
