YNAB has propelled our progress in the few months we've been using it.
It trained us to stay on budget in each category (the tool we used
before didn't "care" if we had negative budget categories. We would
live like that carrying negatives forward until we would finally have to
dip into savings to bail ourselves out. It was cc free but it was
slowing us down. YNAB really changed our thinking; it's an amazing
process to work though.
It also did the one thing I needed most.
I love and adore DH. He's my hero. He's the guy who sees the big
picture and he's a great leader. He doesn't enjoy the details though. I
do so naturally I'm the bookkeeper. I've always asked him to sit with
me while I post transactions (cause otherwise I'd be day trading the
mortgage or something. I just need accountability and I need him to
know what's going on with our finances.)
Unfortunately, that put
me in the role of being budget police. I hated that role and I wasn't
good at it. My strengths are in helping and supporting. I don't have a
dominant personality and I don't enjoy bossing people around.
have a blast when we're out together. Neither one of us is a huge
spender but you can still die from a death of a thousand cuts.
noticed he was paying a lot more attention with YNAB. As an
engineer, he's used to looking at budgets from work. Now we had great
reports and he loved seeing money piling up in the future months. That
part really surprised me. I never noticed that acumen before but it
makes sense now. He just didn't have the tools to see how our money was
shaping up at home. Because I was picking up on his new interest with
YNAB, I started asking him to update YNAB from his phone when we were
out. If he asked if we had money in a category, I'd just yawn and ask him to check his phone.
This got him engaged. It was always "our" budget and "our" money but he really didn't feel ownership. YNAB made it become his in a personal way. He started seeing he had money that was his own and he didn't have to ask his wife for permission to spend it.* He also saw categories growing as we stayed on budget and realized that would spread to the fun categories too.
I didn't think he was interested in personal finance or budgets but I was wrong. This has empowered him and drawn him in. He sees that I honor the budget so as we make plans together, they are respected and followed. We never had that sense with other software. It was too easy to slack so we slacked.
I am so happy to be out of the business of controlling our money. We budget together and we post transactions together. We reconcile together (I just check our online account while we hang out together in the evening. It takes 5 minutes tops.) Then YNAB does the controlling. YNAB is the budget police. YNAB gives us the tools to check how much we can spend whether we're at home or out and whether we're together or alone.
This has been as life changing for us as attending Financial Peace University. FPU gave us the vision and the motivation. YNAB gave us the tools.