Not a question, just a comment. I've made lots of spending errors over the last ten years and most of those decisions have probably prevented us from being in a position to buy a house by now. Anyway, I've tried budgeting on my own and have tried a couple other tools, but never really got it. I'm only a few days into using YNAB and it has completely changed my thinking. I tend to spend money haphazardly and impulsively, but with a savings goal in mind, and the way YNAB works, is completely changing the way I think about our money. We do not have anything other car debt, but most of the time I don't even know how our money disappears. Even over the last day I've had impulses to buy something but then think about the budget and how I want all of the numbers in YNAB to stay on track, haha! So I catch myself, and can see that I am already making better decisions. Instead of clicking 'buy' on amazon, I am instead thinking of the budget and know that money is not budgeted for purchases on amazon right now. Anyway, all of this to say thank you, and I think this will be a very helpful and powerful tool to help me make the changes I have so desperately wanted to make. These changes are hard, but I can actually see the potential of being able to meet financial goals and change my habits for the benefit of myself and my family.
Oh, comments like these always give us the warm and fuzzies! Thank you for sharing Purple Mermaid !
I'm so glad to hear about what YNAB is helping you do, and I can't wait to hear what you'll accomplish in the next year (even 10 years!)! You should start a Journal so we can all follow along. 😊