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[quote=Anonymous]YNAB has been transformative. I save so much more now and it's tough to overspend. I also put everything on CCs and use the rewards for travel. Thanks to YNAB I always have the money set aside to pay the CCs in full every month so I never pay interest. Once a year I audit my CCs that have annual fees to make sure I am getting more value for them than the fee costs not counting the points (because it's tricky to value those accurately). For example, I get over $1000 in benefits from the Amex Platinum so the high fee is worth it. And on top of that value, I get thousands in travel costs from the points.[/quote]
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