YNAB Giveaway!

Hello, YNABers! It's time for another YNAB Forum Giveaway! We're hoping to get more folks to join the forum, so we're doing a little giveaway! We'll be sending three months of YNAB free and the YNAB book to five winners. We'd like to include new folks as well as current forum users, so even if you're not new, please participate! 

So here's how it will work:

  • Leave a comment below answering this question: "What is your biggest YNAB Win?"
  • On Friday, 10/12 I will choose five people at random. 
  • That day, I'll contact the winners privately to get some information so we can send the prizes!

A few notes for new folks:

If you haven't created an account with the forum yet, you'll just need to do so before you can comment. Click 'Login' at the top of the screen. If you're already logged in to your budget in the same browser, you'll automatically be signed into the forum. If not, sign in with the same email and password you use to log in to the YNAB app.  If you haven't used YNAB before, you'll need to create an account first. 

New folks will be assigned a random name, avatar, and username, but you can change your name and avatar if you like! Just click your user icon in the upper right corner and select Edit Profile.

245replies Oldest first
  • Oldest first
  • Newest first
  • Active threads
  • Popular
  • My biggest YNAB win is having no financial stress!  Things may not be perfect, but I have a solid emergency fund, I've saved for true expenses and can roll with the punches.  I paid off all credit card debt within a few months of signing up for YNAB and haven't added new debt in the 2 years since then!  I know what my bills are and never worry about late payments or overdraft fees.  I have a solid understanding of my finances at any given time and can quickly make decisions about purchases (both big and small!)

    Reply Like
  • My biggest YNAB win has been allowing me to spend more freely. I’m extremely frugal, but seeing that I have my money covering the necessities, allows me to feel free enough to treat myself without going “no, I need that $$ for ——“. I can visibly see that it IS covered and I’m only using what’s allotted for fun money and not taking the money AWAY from something more important. So strangely enough, YNAB has helped me SPEND with less stress while knowing my savings and other goals are all being met. 

    Reply Like 1
  • The biggest win was putting in the time to learn how to actually use YNAB. 

    Reply Like
  • My biggest YNAB win is feeling in control of my money! I always felt like it was sand through my fingers and I could never really hold on to it or know where it truly went. Now, I know exactly where it goes and how much. It's amazing!

    Reply Like
  • My biggest YNAB win, believe it or not, is knowing how’s much money I have left and not going negative on my bank account.  By not going negative, that means no NSF fees and hence, YNAB has paid off many times. Now I’m focusing on following the numbers more strictly and no longer forecasting my budget, but only budgeting money as I receive it. 

    Reply Like
  • My biggest YNAB win so far is reducing my monthly fixed expenses by $208.00/month!  And I have more on the horizon, where I need to use up sessions to cancel services.  There were so many items that were small, but when I was combing through my bank account to add categories, I kept identifying them.  Many were services or subscriptions that I no longer use, or if I do usage is few and far between. I started cancelling and downgrading plans and it is amazing how quickly it adds up!!  Happy to be able to choose where that money will work for me instead of having it drip drip drip out of my account on lame items.

    Reply Like
  • My biggest win (so far!) is paying off one of our cars and making a dent in building our emergency fund back up after back-to-back unexpected big expenses. It was great to be able to pay for those without having to use a credit card. Thanks, YNAB!

    Reply Like
  • Our biggest YNAB win so far has been tracking the Net Worth reporting and having 9 consecutive months of positive Net Worth!! This includes a month which had expenses from a fully funded cruise vacation!! Hoping to round out the year with all positive contributions to Net Worth :)

    Reply Like
  • My biggest win is being able to keep adding money to the categories that used to send me into a state of despair (auto maintenance,  health, etc). Now if the unexpected happens, I don't have to feel totally panicked and overwhelmed. I've already budgeted for it!

    Reply Like 1
  • My YNAB win is that after almost 2 yrs of using YNAB I continue to deepen my understanding of the 4 rules and make they become more and more natural!  Now that my husband has been out of work for 5 months we still have another 3 months before we would need to borrow some money.  What I love about this is that number one it is because of YNAB that we have been able to go this long and number 2 I know that even if we do take on some debt we won't have it for long, because I understand the rules and can roll with the punches.  I feel a sense of confidence that all will be well, even during a time that would be scary for many people, because I see the whole picture! Debt isn't my favorite, but I can make my own choices utilizing YNAB and I am proud of myself for how long we have held out given the circumstances!!

    Reply Like 1
  • My biggest win is how thick my hair has gotten since I signed up last Spring. (Eh, eh? *elbow elbow* Get it? Ripping hair, frustration...*trails off* Tough crowd tonight.)
    In all seriousness, I'm debt-free for the very first time as of this month. WAHOO!

    Reply Like 3
  • Awareness - 100%. I used to look at my bills and be like "where the heck did the money go?" - now i have that knowledge. I used to just pick things up at random because they were 'cute', or it was a good price, or 'i'm sure i could use this', but then would complain about all the junk in my home.  Now I think twice before picking something up and take it home.  

    Reply Like 1
  • Sense of accomplishment- I’m new to YNAB and have struggled a bit while getting started but love the sense of calm and accomplishment that I’m starting to feel!

    Reply Like
  • My biggest YNAB win was aging our money enough that when our furnace broke unexpectedly, we had the money on hand to fix it! It completely removed the stress from what could have been an incredibly stressful situation and saved us the need to take out a loan keeping even more money in our pocket. YNAB for the win!

    Reply Like
  • My biggest win is that I have a comprehensive view of my budget and can access historical data on categories. So helpful!

    Reply Like
  • My biggest YNAB win is control. I finally feel in control of my finances and that I have a good foundations with my finances. I've been able to hit major savings goals, AND after getting punched in the face by life in June, I was able to recover in September. Ultimately the big win is that I'm finally in control of my finances, and that makes me feel *SO* proud of myself. I'm finally adulting properly and want to continue the upward trajectory. 

    Reply Like
  • I am new on YNAB. I do not have a big victory yet, I'm working hard on it. For now, my biggest victory would be to win this contest!
    All my friendship from France!

    Reply Like
  • My biggest win was getting my Wife and I on board with YNAB. It’s been a journey of using and not using over the last few years, but every time we start up again it makes a world of difference.

    Reply Like
  • My biggest win...  my husband can now see exactly where we are financially and is a lot more at ease.... oops I guess that's his biggest win LOL  My big win is being alerted when non-authorized charges are made.  We had one happen not too long ago.  A charge for $1500  was made on our account by an unknown party, but because I saw it right away, the bank  was able to reverse it instead of spending 10 days to investigate.  Whew!!!

    Reply Like
  • My biggest YNAB win is discovering that when I'm spending with awareness, I actually have more money that I thought I did!

    Reply Like
  • My biggest YNAB is just getting started tracking where my money goes has been huge.

    Reply Like
  • My biggest YNAB win is that I am now aware of where my money is spent. 

    Reply Like
  • Knowing where my money is going and seeing a real picture of how to save for big dreams. 

    Reply Like
    • Kate
    • Joyful Technical Writer 🌴
    • sweet_sunshine
    • 1 yr ago
    • 5
    • Reported - view

    My biggest YNAB win is having access to a wonderful forum to discuss ideas, issues, and solutions to budgeting and the YNAB tool we all use! 

    Also I'm just going to give Janelle BenB Dan and especially Faness a shout out for helping the YNAB forum run as smoothly as it does!

    Reply Like 5
      • BenBYNAB Team
      • Community Manager
      • benb_YNAB
      • 1 yr ago
      • 1
      • Reported - view

       Kate, you just made my day! ♥

      Reply Like 1
      • Kate
      • Joyful Technical Writer 🌴
      • sweet_sunshine
      • 1 yr ago
      • 1
      • Reported - view

      BenB We see you and we appreciate you Ben!!! 

      Reply Like 1
    • You are wonderful, Kate ! <3

      Reply Like 1
      • Kate
      • Joyful Technical Writer 🌴
      • sweet_sunshine
      • 1 yr ago
      • 2
      • Reported - view

      So are you Faness 💖💖💖

      Reply Like 2
  • My family's biggest win was learning to live on last month's income.  Now every paycheck is set aside for the following month and we know exactly how much we have to work with at the beginning of every month.

    Reply Like 1
Like15 Follow
  • 15 Likes
  • 1 yr agoLast active
  • 245Replies
  • 7115Views
  • 225 Following