I'm back on the horse
I used YNAB for a couple years and then got out of the habit and to say that my finances quickly became a mess is no understatement, then covid happened and I almost lost the roof over my head and got months behind on bills and so eventually I returned to YNAB this is also following proper treatment for some mental health issues that affected my ability to commit to anything. I've been using again since the end of August and have finally gotten back on time with everything I'm caught up with only up to go. Today we didn't actually need my wife's check from her 2nd job so I was able to pay some things early, put some money away for future bills (assigned of course) put away my dues for an amateur radio club and pay a little extra to my credit card. The difference just a few months have made is amazing.