YNAB for the win!

For the first time ever, I have more $ available than I do basic living expenses. I am so very glad that I fought through the learning curve, it's really starting to pay off and I can put the $ towards something other than bills and basic living expenses.

For anyone struggling, don't give up. Do Fresh Start after fresh start if that's what it takes... in my first few months I probably did a fresh start 5 times, but once I got the hang of how credit cards work, it was easy sailing, and little by little I found my bank balance getting bigger and bigger.

For anyone struggling with the price, how much is peace of mind and less stress worth to you? YNAB has saved my so much time in mental math, and actual time in a spreadsheet tracking things (with many getting missed because it slipped my mind) It has more than paid for itself in the just over a year I've been using it.

I'm no longer dreading the paydays where I have nothing to show for all my hard work, now I forget when payday is, because I'm not waiting on pins an needles hoping my paycheck comes before my insurance payment comes out of my bank account.

Thank you Jesse and the YNAB team for developing a system that really works!

And finally for those that complain about imports, I gave up using them and set notifications to be sent for any transactions over $1 with all my bank accounts and credit cards, that way I know I haven't missed entering a transaction.