Debt free just in time for 2021 - YNAB saved our financial life

I just want to post how happy I am about YNAB and figuring it out in 2019. We got about 13000 euros of debt to zero on December 2020. So now this will be first full year without debt and with kinda good net worth accumulated with hard work. Crazy to think that this is just a start and it will get even better from here.

Here's the screenshot (decorated for my blog post (in Finnish language)):


5replies Oldest first
  • Oldest first
  • Newest first
  • Active threads
  • Popular
  • Well done! That looks really good. I have been on Ynab since 2014. I wasn't in debt to start with but my net savings were only £4000. Between 2014 and 2019 they increased to around £20 000. In 2020 they have gone down but only because I had a new bathroom fitted in September. I still saved in other areas.

    Like 2
  • This is so good to hear. Congratulations, good for you! I haven't used YNAB for more than 24 hours, and I can already see how it's going to be life changing. To be honest, it already is! Every time I read about it, it gets more praise, and this is no exception. Tangible proof that it works.

    Feels good doesn't it?

    Like 3
      • Roni Laukkarinen
      • CTO, Entrepreneur, Blogger, Coder
      • rolle
      • 9 mths ago
      • 3
      • Reported - view

      Abraham Indeed. I noticed the changes in couple of weeks back in when we had debt. It felt strange to have extra money even with debt. YNAB definitely forces you to keep your expenses in control. Big picture matters! I wish you well for your journey with budgeting. I feel almost euphoric every time I put in some money or pay a bill. Never realized a single tool could be a profound transformation like this.

      Like 3
  • Roni Laukkarinen said:
    I feel almost euphoric every time I put in some money or pay a bill.

     Absolutely!! Pay day is my favourite day since I get to play with my budget. I love how fluid it is and how much I can look ahead to make things work. Gone are the financial crime scene analysis of what happened the past month. Always looking ahead! I've made spreadsheets to forecast how long it will take me to pay off my mortgage once my HELOC is gone...since I will definitely attack that with a giant snowball. :)

    Like 1
  •  A little update :) Still looking good :)

    Like 2
Like10 Follow
  • 6 mths agoLast active
  • 5Replies
  • 332Views
  • 4 Following