I’ve been using it for a little over 2 years now. Before YNAB I never
knew how much money I had coming in or going out. I lived paycheck to
paycheck and would operate off of whatever my current balance was for
that day. I’d go online and check my account, and then decide what
bills I could pay. I suffered from constant overdraft fees and poor
planning. I also learned the hard way that credit cards are terrible
things to get wrapped up in.
Because of YNAB, I wanted to share with you my recent (and upcoming)
As of today, my balances are the lowest they have been in 3 or 4 years
because I followed the YNAB philosophy to the letter.
I’m on track to have eliminated all my debt by July of this year.
So within 13 months, I will have slashed over $12,000 in credit card
debt and will be credit card free!
Its an understatement to say that this program has changed my life.
I’m 24 years old. I’ve worked hard at changing my spending habits.
This incredible software and your spending philosophy worked for me –
even on a college student’s budget.
Just working the system — even on a college student’s budget :)