Winning in a backwards way!
I had a YNAB sub last year and it helped me to work through my finances but didn't really 'click'. I ended up not renewing (big mistake but I couldn't justify it then as for the last few months I had not used it).
Fast forward a few months, money is tight again and I start diligently reading through the amazing content on YNAB and this time it really started making sense. I was working it all out on paper, starting to save (which never happens!) and thinking this would be so much easier with YNAB back.
Next I am on the website looking at the renew subscription form and working out what the amount would be in UK pounds when I suddenly get that "wait, this is not in your budget" little voice in my head...
Before reading up on YNAB I would have just checked my bank balance, seen that there was enough funds to cover the payment and got it.
But now all my money has a job. If I want that subscription I need to budget and save for it.
So thank you YNAB. You finally got through to me! (And yes, I now have a YNAB subscription category).
Have you got a trial? You could probably sign up with a new email address and do a new trial of YNAB. Support very kindly extended my trial period after I started using YNAB so that I could actually budget towards YNAB.
Now I'm just budgeting a monthly amount towards next year's renewal :)
After currency conversion fees I paid £66.45, if that helps at all?