Thread: Computers You Need A Budget (YNAB)!
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Old 09-29-2012, 07:46 AM   #8
SomeRandomGirl SomeRandomGirl is offline
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Join Date: Nov 2010
Location: Iowa
Casino cash: $5045
We're YNAB users too. We got YNAB3 in 2009 when they offered a discounted price to a bunch of us on the We're Debt Free board (a Dave Ramsey spin-off) on BabyCenter.com.

I bought YNAB in November, used it for about 6 weeks before it really "clicked" and then we were off and running. I started up a new budget with the new year and have been happily budgeting since. I personally incorporate YNAB's budgeting ideas and mentaility into Dave Ramsey's living debt-free plan and it works well for us. We've paid off about $26k in debt, which is great considering my husband has been laid off more than half of the past 3 years.

For most people, YNAB does take a few weeks or so to "get". It's hard learning to not look at your bank account and think "I have xxx amount of money leftover to spend". With YNAB you give every dollar a job. So when you get paid, every single penny of that paycheck is budgeted towards something, be it your mortgage, your phone bill, your savings, or your video game fund. You can set up sinking funds for things that you know you'll need to buy or spend money on in the future. For example, I know that I have to renew my tags every August. So instead of coming up with the $200 every August (random number), I can put about $17 a month aside into the tags category and come August, it's all there ready to be paid out.

I love YNAB. I really do.
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