Reply to A few YNAB questions

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[quote=Anonymous]I've been using it for more than three years. At first, I hated it. I had been a Mint user for 10+ years and just couldn't wrap my head around YNAB. But so many people love it that I stuck it out and it has changed my life financially. I was not lacking knowledge about how to budget or manage money - I work for a finance-related company and like I said, had been using Mint for more than a decade - but wasn't super disciplined and I was still overspending because of the way Mint works.

It probably took me 2-3 months to fully understand YNAB, but once I did, it was amazing. In three years, I went from overspending on cards and having little savings to being completely debt-free (aside from mortgage) and now have a decent emergency fund and dramatically increased 401k and 529 savings as well. I have categories for things like Travel, Home and Car Maintenance, and Gifts, which in the past always seem to be what would throw off my budgeting attempts.

I have like 10 credit cards (I like the rewards) that I pay in full every month thanks to YNAB. I don't understand why people think it doesn't handle credit cards? Yes, it has its quirks but overall it's amazing and well worth the annual cost.[/quote]

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