No debt for Christmas!!!!
I started YNAB last February and have reduced my credit card debt by half. At the same time, I began saving for Christmas. This year, for the first time, I was able to give the gifts I wanted to give and pay for them IN ALLOCATED MONEY! without incurring any debt. This is huge for me. It feels "clean" and guilt-free to be able to buy what I want, as my remaining credit card debt might as well be called "The Ghosts of Christmas Past." It also made me more thoughtful about my gift-giving.
THANKS FOR A HAPPIER HOLIDAY, YNAB!