I don't know about XP, but in Vista, logged in as Admin:
Set up parental controls for any user
click on her account
Parental Controls off
Allow and block specific programs, then
user can use all programs
user can use only programs I allow>add YNAB to the list
also, make sure the budget files are saved in a folder you can both access, like Public
Hope this helps
Overbudgeting = putting more money into the budget than you have available.
Overspending = spending more money than you have in your budget categories.
the Fish ><>