Found my bigger picture
I you haven't read or listed to the YNAB book yet, do so! I've been on and off ynab for the past couple of years but it never really clicked till I (listened to) the YNAB book and it made me realise I never really give it my best shot because I didn't have a purpose. What is it worth to save for when you don't have anything to budget for that doesn't make your heart jump? Yeh ofcourse that newest iwatch can be cool, or that exotic holiday can be a blast but it never was rooted deep enough in me to actually give other things up for it and keep to my budget, so I failed and failed. I now realise I have to dream big and I will make it.
I've only got about 1k of creditcard debt left (thank you YNAB), after this I can saving up for my big dream: renovating the house we live in. With YNAB I finally have the feeling I can do this.!