I'm really happy I came across YNAB. It's only been a week that I've officially been using the program, but I feel like this is the first time in my life that I've actually had awareness around my finances....
I had an accidental charge on my checking account this week from a service I used to subscribe to. And the way I discovered the charge was by viewing my balance online, and for THE FIRST TIME IN MY LIFE, knowing exactly what my balance was supposed to be and seeing that it was not what it was supposed to be! I called the business, and resolved the issue immediately since I caught it quickly. In the past, I might have come across this kind of thing eventually, or possibly not even caught it at all.
Coincidentally the charge was for $60, the price of YNAB, so looks like I'll be converting at the end of my trial.
I also feel like YNAB has partially saved my relationship...my fiance is great with budgeting and finances, and has been on me forever to create a budget. Every time I've tried to create a budget though, I've struggled to stay on top of it, or track it...my methods have always overwhelmed me, and ultimately fallen apart. Now I feel like I've finally got a system that works really well for me, and which I can stay on top of because I really enjoy using it...which is also a first for me in terms of budgeting approaches. I'm also really appreciative of the support community.
Thanks for the help so far on the forums, and I'm really glad I came across this program.