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r/ynab • … • u/Automatic_Play_7591

How long did it take you to build up savings?

I'm a new YNAB user, and just entered my second month. I didn't have any funds left over in my categories because I needed those funds to cover unexpected January costs. I expect the same in February and the same in March. I am one pay check ahead (two weeks). So, I am curious: how long did it take you to build up extra funds in your sinking funds categories like home maintenance, car maintenance, and so on. I imagine it will take a year at this rate!

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