YNAB You Need A Budget

[mochamom25]

I started using YNAB at the beginning of June and tomorrow will begin month 2 with July.

I knew all along we'd been overspending, but now I can actually see exactly where - in a much clearer format than Quicken, thank goodness. I am excited to start a new month w/YNAB, and budgeting every dollar. I know it will help me to reevaluate the amounts I have budgeted for each category. So even though we went over budget, I still feel successful because now I can see where, why, and what to avoid next month.

It is funny, I graduated (at 30yrs old) in May with my degree in Accounting. I have known how to balance a checkbook for years. I would do it and swear that "this time will be different, and I will keep this up." But that would always last a couple weeks at the most. We were always spending more than we made. Sad!

I hope my new relationship with YNAB is the start of something wonderful for me, my family, and our bank account.

Thanks YNAB!!

[mozzie61]

Welcome and great to hear your story. I thought I was financially literate too, but really I was just fooling myself with bad spending habits and a little bit of head-in-the-sand-itis. YNAB is helping us confront the reality of our situation and do something positive about it.

Good luck and best wishes.

[shandsh]

I finished my masters in accounting this year and I've always been just terrible with my own personal finances... I'm like the mechanic whose car is always broken down.

[mochamom25]

So glad to know I'm not alone.

Our friends often tell my husband, "Oh, so now that she has her accounting degree, she must be great with the checkbook." Oh if they only knew.

[Carl Fredricksen]

I thought I was financially literate too, but really I was just fooling myself with bad spending habits and a little bit of head-in-the-sand-itis. YNAB is helping us confront the reality of our situation and do something positive about it.

Second that from me as well. YNAB only did one bad thing for us, and that was show me that where I thought I had control over our money, I was WRONG! Starting month 2 as well, and know what to look out for and having a plan is great! Thanks YNAB!

Good luck to OP as well, and let us know how it goes!

[brown685]

I tell everyone, that YNAB is great, but it told me thing I didn't want to know.

Mostly that I not where I thought I was.

On the plus side, it did help me find the extra dollars to eventually make up for that short fall.

James

[mochamom25]

I tell everyone, that YNAB is great, but it told me thing I didn't want to know.

Mostly that I not where I thought I was.

Exactly! We go to the doctor, but we don't really want to be told we are ill.