I'm sitting in the study, looking out at that familiar view..across the treeline. The sky is blue, not too many clouds, no snow. Today is a good day, in fact, today is a beautiful day - for we are now 100% buffered.
We could never have imagined back in September, when we started to use YNAB, that we would be sitting here with a full month's salary sitting in the bank. I have tried all various programs and despite designing the best Excel sheets on the planet (imho!) to track cashflow and expenses, none of which helped us build cash, none of them showed us the importance of budgeting and living by the rules - they just showed us where the money had gone.
It's amazing the positive effect this has had on our marriage, no longer stressed with our financial situation.
If you are sitting here - lurking on the boards, reading the stories, wondering - is this all true?, should I believe this?, should I buy this program? - Do it, just do it. If you're on your way to bufferdom, hang in there - you'll make it. If you are already buffered, thank-you for your inspiring stories and giving us the motivation to achieve.
Finally, to all - irrespective of where you are at on your YNAB path, thank-you for the encouragement and feedback - what a community.

