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.

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  • My biggest win is getting to interact with a great community of like-minded people and a great developer with the right mindset!

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  • Our biggest YNAB win is the financial freedom that comes from the awareness of where our money is going. Within a month of using YNAB, we realized that by reprioritizing our spending, we could get  100% out of debt (including mortgages) in under 10 years rather than the 15-25 year track we were on. We refinanced our house on a shorter term, and doubled up on payments on an investment property. YNAB opened our eyes to the opportunity for a debt free retirement. 

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  • My biggest win is that I am an entire paycheck ahead of my expenses! I used to get paid and all my money would go to paying off my credit card. Now I get paid and I get to choose how I want to spend it. I learned how to age my money! 

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  • My biggest YNAB win is the bottom line of all this, to learn that Money is finite, and YNAB taught me how to live with that. I just came to Canada 3 years ago, from one of the countries with worse economical situation in the world, Venezuela. YNAB has helped me , and my family that's still back home incredibly by making me ready to rock and roll in a new country! Thanks guys

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  • Biggest YNAB win is being able to roll with the punches without freaking out and using credit. The preYNAB debt payoff is still a work in progress but with YNAB I can see a clear picture of how it’s being paid off. Thank you YNAB!

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  • My biggest YNAB win was being able to buy a house, still go on our 10 day Disney World vacation AND maintain a 40 day buffer/60 day AOM!

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  • Biggest win was when my wife ruined her laptop by spilling Tea on it. The repairs were expensive but our Emergency Fund we had built up covered them. 

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  • My biggest YNAB win is understanding exactly how much extra I can send to my debt to pay it off faster, without compromising saving for other true expenses.

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  • The biggest win is getting my wife involved with the budget. She always wanted to discuss our finances when money was tight but was not interested in the work involved. We came from using Mint and I always felt like we were reacting to expenses rather than being proactive. I finished the YNAB audiobook recently and started re-listening to it again with my wife. She is on board with the new method and I call that a big win.

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  • We started using YNAB one year ago owing $30,000 in credit card debt.  It's all paid off!  Using YNAB allowed me to make big payments to debt, because I was comfortable with where the rest of our money was going.  Now we are earning cash back and airline points with our cards and not paying interest.  I use my credit cards for everything I can.  

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  • My biggest YNAB win is the ability to micromanage my annual expenses - no more getting surprised by irrigation bills, school registration, or dental cleanings! :-)

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  • My biggest YNAB Win is being proactive with my money instead of reactive. I have a better sense to ask, “what’s coming up this month that I don’t usually have to budget for?” Or, “How much is that going to cost?” That way I’m not surprised when it’s time to renew the tag on my car, or how much oil actually costs. 

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  • My biggest YNAB Win is actively prioritizing my goals. Identifying what's most important to me, and prioritizing my dollars to those jobs has been empowering and motivating  in driving my spending and saving.

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  • My biggest win is assigning a job to every dollar and knowing exactly how much money we have in each category. 

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  • My YNAB win has been being able to finally get a handle on my irregular income combined with irregular bills. Seeing the amount I have budgeted (not spent) each month helps me keep a steady allocation of cash in line with my average monthly income.

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  • My biggest win is peace of mind. Knowing that I'm away from the ledge of living paycheck to paycheck 

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  • My biggest YNAB win? Knowing where my money is and what it's for. I'm rich in peace.

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  • My biggest YNAB win was a "roll with the punches" doozy!  A completely unexpected 32% salary reduction six months after buying a house, while in the midst of a major remodel.  We were able to cut back drastically, dip into the emergency fund to complete the remodel without adding debt and slowly replace what was taken from the EF.  Would have been LOST without YNAB on this one!

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  • My biggest YNAB win is that it’s giving me lifesaving security. I have a chronic disease that requires multiple doctors appointments and multiple medications - steroids, low dose chemotherapy, biologics, etc. Prior to YNAB I was clueless how I was spending money and constantly scrounging to find the funds to pay copays for doctor appointments and medicines. Since the use of YNAB, my income is the exact same but I no longer cry and stress on something that is utterly essential for my survival. My age of money is sitting at 43 days and prior to YNAB I didn’t see myself ever making it easily. I was always in a state of worry and panic. I now live comfortably and all my funds have a purpose. Thank you, YNAB. You’ve given me peace, reassurance, allow me to be stress-free (which is so important with my disease) and greatly improved my quality of life!! You’ve changed my life for the better!!!! 

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  • My biggest YNAB win is seeing my money go to work and motivating me to get a part time job to pay off some debt!

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  • Getting a month ahead

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  • My bigggest win is looking without fear and guilt at my finances! I remember vividly how I would overspend feeling guilty about every little penny and then look with one eye covered  at my bank accounts asking anxiously how much I would be in minus this time. Today - 3 months in working with YNAB - I am delightfully checking my budget and bank accounts every morning, and proudly counting the days my money ages slowly <3

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  • Realizing there is another way OTHER THAN paycheck-to-paycheck.  It's changed my life....

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  • My biggest win (so far) is getting of the credit card float! 

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  • My biggest win is being able to have a flexible workable budget.

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