On the Right Track
My wife and I started using YNAB about a month ago. The budgeting process (along with heavenly prayer and assistance) has helped us to be more disciplined in our spending. We're more aware of the fact that we don't have much room for error in our budget (eg. mortgage, student loans, insurance, internet, etc.) This empowers us because we're spending money on what counts. We're on the right track. Yippee!