In the spirit of New Year’s Resolutions and all that, I resolved to give it a try. So on January 1st, I plugged away at using YNAB. I’d read some advice and watched some YouTube videos on how to use it, but I still felt wary, because I’d heard there was a huge learning curve with the program. I tentatively filled in my budgets for different categories, thinking to myself that it didn’t seem like it would be too difficult–or too different than other personal finance programs. Did I mention that YNAB costs money, too? $84 USD ($107 CAD) for a year. Was this really a life-changer? I had my doubts.
Flash forward to today, and I can confidently say that yes, YNAB is a life-changer, and here’s why.