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) accomplishments.
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!
It's 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 :)