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Woo hoo!! I actually have $$
I went from "OMG, how am I going to pay all my stupid bills AND quit using credit cards?" to "Wow, thanks YNAB, I totally got this."
- Not Creative
- Beige_Snow.13
- 38 min ago
- 1 reply
- 8
- 1
- Double_J_Factor28 min ago
- YNAB Wins
Debt free just in time for 2021 - YNAB saved our financial life
I just want to post how happy I am about YNAB and figuring it out in 2019. We got about 13000 euros of debt to zero on December 2020. So now this will be first full year without debt and with kinda…
- Roni Laukkarinen
- CTO, Entrepreneur, Blogger, Coder
- rolle
- 3 mths ago
- 5 replies
- 213
- 10
- Roni Laukkarinen2 wk ago
- YNAB Wins
Celebrating 34 Days!
My 34-day YNAB free trial ends tomorrow and so begins my first official year. I have never before been so ecstatic to pay for something in my life! In the past month, I have:…
- Pineapple Gal
- Goal-Getter
- Orchid_Wrench.11
- 4 wk ago
- 6 replies
- 83
- 7
- DosBoss574 wk ago
- YNAB Wins
Thank you YNAB!!
My daughters 16th birthday is April 1st... we were talking the other day and she mentioned signing up for driving lessons. ... que panic..... ack I completely forgot I said 1.…
- Nicellla
- Nicellla
- 1 mth ago
- 4 replies
- 131
- 16
- Nicellla4 wk ago
- YNAB Wins
A milestone and renewed optimism
We started using YNAB principles in October 2019 and the software in December 2019. As of today we are clear of credit card debt - any balance on a credit card we have now is swept up in the autopay…
- Henry Household
- hibernaculum
- 4 wk ago
- 5 replies
- 85
- 10
- Henry Household4 wk ago
- YNAB Wins
slow and steady
2nd year of ynab and I have touched 2 of my dreams today. .😍 I was approved for a home loan at twice the amount I asked for.Home ownership will reduce my monthly costs by 40% over renting for…
- Forest Green Wildebeest
- Just as confused as you
- Forest_Green_Wildebeest.7
- 1 mth ago
- 1 reply
- 103
- 8
- DelaYNAB Support1 mth ago
- YNAB Wins
It finally clicked! I'm a YNAB convert.
Hi all, I'm self-employed. I've gotten into debt overtime because, while I know I've got enough money in my bank account to take me into the future, I never know just how far into the future it'd…
- Pineapple Gal
- Goal-Getter
- Orchid_Wrench.11
- 1 mth ago
- 6 replies
- 187
- 9
- Pineapple Gal1 mth ago
- YNAB Wins
Today I was able to avoid a terrible mistake, thanks YNAB
Lately I've been wanting a new phone because my boyfriend needs one and I've been looking for one for him. But I have a spending bug like you wouldn't believe.…
- Space Cadet
- spacecadet007
- 1 mth ago
- 2 replies
- 154
- 14
- Melissa1 mth ago
- YNAB Wins
Victoria's Secret Credit Card
I just wanted to say thank you for adding Victoria's Secret CC (Comenity Bank) linking support. I was not looking forward to another Apple CC manual process.
- Slate Blue Commander
- Slate_Blue_Commander.6
- 2 mths ago
- 40
- 1
- YNAB Wins
Small Wins
I have always struggled with keeping my own budget. I never trusted the budget I had or the process. Over the last four weeks I gave YNAB a real shot. I look at it everyday.…
- Gray Transistor
- Gray_Transistor.10
- 5 mths ago
- 4 replies
- 235
- 14
- Gray Transistor2 mths ago
- YNAB Wins
What did you do to improve your finances today?
This was one of my favourite threads on the old forum, and since there doesn't seem to be one here yet, I thought I'd create one :-)
- Winterlover
- Welmoed
- 3 yrs ago
- 1,314 replies
- 28,701
- 50
- Peripherie2 mths ago
- YNAB Wins
A Bittersweet win...
Today I paid a large tax bill. I've known about it for 6 months and used YNAB's goals to save the money. I did need to WAM from the pot a few times (especially as the Tax office kept messing up my…
- Turquoise Major
- Turquoise_Major.5
- 2 mths ago
- 6 replies
- 181
- 10
- Turquoise Major2 mths ago
- YNAB Wins
The epiphany of a first month YNABer
Now this is a long post as I have a lot to say... I hear about YNAB year or maybe two ago, downloaded the app just to realize there's a cost (in general I don't pay for apps) and decided to forget…
- Sky Blue Dreamer
- Sky_Blue_Sander.10
- 2 mths ago
- 4 replies
- 178
- 9
- Turquoise Major2 mths ago
- YNAB Wins
YNAB is INCREDIBLE!
Here's the thing. Being able to see on your screen EXACTLY how much money you spent in a month is already LIFE CHANGING. I never EVER got to see it at a glance.…
- Abraham
- Data Analyst, IT
- abraham
- 2 mths ago
- 2 replies
- 147
- 11
- Turquoise Major2 mths ago
- YNAB Wins
Still in the Trial Period and Things Are Already Better
I was afraid of money and budgeting for decades. I would start a budget, realize there wasn't enough money to cover expenses, and give up. I flew by the seat of my pants,…
- Bag of Atoms
- ADHD and Finances are a bad combination
- gjtreat
- 2 mths ago
- 2 replies
- 161
- 17
- Sky Blue Dreamer2 mths ago
- YNAB Wins
Finally broken the paycheque-to-paycheque cycle!
Not sure how long this is going to be, so here goes. I first tried YNAB back in 2011/12 or thereabouts (YNAB3) – the main reason, I loved the concept of the original Rule 1 – live on last month’s…
- Gray Cartridge
- Yeah, I've drunk the YNAB flavoured Kool Aid and it tastes good!
- louloubelle
- 2 mths ago
- 2 replies
- 152
- 12
- MXMOM2 mths ago
- YNAB Wins
And not a sleepless night was had during closing on the house
My wife and I live on just over half our annual income. Pre-YNAB this was true. At the end of the month, pre-YNAB I would go through reports, analyze spending, and try to make sense of the damage.…
- Ivory Python
- Ivory_Python.12
- 2 mths ago
- 1 reply
- 83
- 9
- Superbone2 mths ago
- YNAB Wins
More than a decade using YNAB
What using YNAB has done for my family.
- Mrs Awesome Budget
- Entomologist
- Beige_Falafel.7
- 3 mths ago
- 37 replies
- 663
- 1
- Superbone2 mths ago
- YNAB Wins
First YNAB renewal check-in / brag
We started out using YNAB 12/2019, but practiced on our own spreadsheets in October & November. First YNAB renewal charge processed this month. We're on track to eliminate the credit card debt a few…
- Henry Household
- hibernaculum
- 2 mths ago
- 102
- 7
- YNAB Wins
Outgrown YNAB?
I have used YNAB for several years now, and it has changed everything about my life. I manage finances for my household and I really don't understand what I was doing before YNAB.…
- goose61282
- goose61282
- 11 mths ago
- 33 replies
- 936
- 2
- slightlysmall3 mths ago
- YNAB Wins
How YNAB changed my life.
This is the first of the year, and I rarely ever post, but I want to start off the year by celebrating accomplishments and encouraging others. I started using YNAB in February of 2016, when I was 38.…
- Fribur
- Fribur
- 3 mths ago
- 1 reply
- 125
- 10
- Navy Blue Tape3 mths ago
- YNAB Wins
today is the first time in 5 years I've had more than $4 left in my account the day before payday
I get paid on Wednesdays and no matter what, I always only have $4 or $5 left by the time Tuesday rolls around. Today, at the end of my first week on YNAB, I have $67!!
- 123rsic
- 23 yr old new grad tackling debt
- Cornflower_Blue_Viper.11
- 5 mths ago
- 7 replies
- 446
- 28
- Fribur3 mths ago
- YNAB Wins
Today is my last day owing $$$ - I have paid 65K paid in 3.5 years
I can hardly believe it. After a lifetime of terrible financial habits, being a single parent of two on a tiny income, always spending above my means, borrowing to the edge - then not being able to…
- YnabLover
- ynabLover
- 3 mths ago
- 3 replies
- 141
- 15
- SheWhoManagesTheFunds3 mths ago
- YNAB Wins
No debt for Christmas!!!!
I started YNAB last February and have reduced my credit card debt by half. At the same time, I began saving for Christmas. This year, for the first time,…
- Laurie R
- Pink_Falafel.9
- 4 mths ago
- 3 replies
- 104
- 11
- Orchid Moose4 mths ago
- YNAB Wins
Tracking the ways YNAB pays for itself is no longer an easy feat
I started YNAB in June this year to help get my my spending and credit cards under control. Since then getting my budget nailed down, I've been able to:…
- Dave
- Slate_Gray_Deer.9
- 5 mths ago
- 1 reply
- 202
- 16
- Orchid Moose4 mths ago
- YNAB Wins

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