It clicked - or I understand it finally. Whatever...big win!
I started using YNAB a few days into October. Only a few weeks ago. I obsessively took in as much info as I could and started testing my own budget. I have a fairly good handle on it now. I am actually thinking about spending with purpose already. As an aside - I balked at those who say to manually enter transactions, but I was wrong. Outside of scheduled transactions, I enter everything else manually as they happen, then download the QFX file to make sure I haven't missed anything. Sort of a hybrid I guess.
Anyway - I was reconciling this morning. Weird that I wake up excited to do it. I know. And thinking about a big insurance payment that is due on the 22nd - traditionally a pain point. I might add that it is budgeted and a scheduled transaction. Stressful nonetheless. Then - this is where everything clicked - like an AHA! moment. I changed the date on the transaction to today and it entered it into my budget to see the effect...and saw that nothing changed other than I could see it in the activity column in the budget. Then I actually paid it (2 days ahead of due date) from my bank account - without shuffling funds from a savings account or LOC!!
If I wasn't before - which I was - I am completely in.
YNAB is a game changer.