YNAB Wins - 2 weeks in
Just started on YNAB a couple weeks ago and am getting settled in. This is my first REAL time budgeting - at age 35.
Win: I actually know what I have my money for by "giving every dollar a job".
My wife and I have often spent our money in accounts without paying attention to where we're spending. The "giving every dollar a job" has helped with my mental peace in knowing that while the bank accounts might seem lower than I like, we're covered and have money dedicated to where it needs to be.
I like having a buffer that makes me feel more comfortable, even though that buffer has no REAL purpose. Now that I've given my $ a purpose, I know how much I have to spend in a given area.
Last night was 31st - we worked hard and had a difficult month...and still had money in the "take out" category, so sushi it was! I did it KNOWING that we had $ set aside and budgeted for that.