I’m using it for almost 2 years now and I’ve come to be almost addicted for all money other than investment accounts. I’ve gotten through most of my life without any budget tool. I just had a good sense of how much money was available. I’m amazed at how I’ve adapted to YNAB.
Using it for real since 2020 (had 2 failed attempts to use YNAB4 and nYNAB years ago). I had played around with Mint and I was a Simple bank user (only scratched the surface of their tools).
3 years, I went off of it for 6 months thinking I could just manage it with a spreadsheet. I was somewhat successful but all the convenience YNAB gives you is really worth it and their bank syncing has gotten a lot better over the years.
I have a spreadsheet that has over a decade of all transactions and historical net worth. However, I never incorporated an actual budget. YNAB is for the monthly budget and planning future purposes. Spreadsheet is because I need control and like to see our overall financial status.
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