60 days in, 31 days age of money!!
And zero credit card balances.
Our problem has always been that we earn enough money but we would look at the checking account, see money in there and assume it was OK to spend more. Since the beginning of the year we made a big push to pay off the credit cards, check all of the monthly recurring charges we had lost track of and clamp down on any spending not in our budget. We have really significantly changed our spending patterns and now we are at 31 days age of money. We plan to stick with it. The system works for us. Thanks YNAB!!!