BUDGET TEMPLATE!! YES , it works!
I was having such a hard time understanding YNAB, because it is so unlike any other method of budgeting. I finally tried a Budget Template, because I needed to see how far off my spending "wants" are from my spending income. That was the best thing I did!
I recommend it to anyone who is just starting YNAB, because it is closer to our "usual" way of thinking about our money. Once I understood the categories that needed more funding (or less funding!), I have been able to make it work.
Do you use the toolkit for YNAB , Magenta Foal ? If not, I think you would might investigate it as something that would enhance the display and experience for you. The tool kit creates a goal column to the left of the budgeted column. I love seeing all my template numbers on the screen. The toolkit is a free Chrome extension created by a team of YNAB enthusiasts. Link to the thread about the toolkit here: Chrome toolkit for YNAB
Magenta Foal I'm so happy to hear the Budget Template helped make things click for you! The How to Create a Budget Template blog post is one of my absolute favorites and has been a go-to of mine ever since it was written. Our education team then created the Set Up Your Budget Workshop (based on the template information) and I was in absolute love! If you haven't taken the class it's work taking a look, but it sounds like you've got things well underway now! :)