I just download the YNAB trial last night and it looks to be exactly what I need. Before I started though, I had already created a budget on an excel sheet. Including my expenses and what I thought my income would be for the month (Based on 40 hours a week) But from YNAB I'm gathering that this is wrong? The trouble I'm having is that right now I don't have any money and won't be paid until the 10th. I want to start this off right. Is it best to wait until I get paid then put in the numbers for the two weeks then update it again on the 27th (second pay)? I want to make sure I'm using good habits and not resorting to what I think will work.