We downloaded YNAB this weekend. I've taken one class and entered in some things (primarily savings pots that already exist in our checking account). Tomorrow is payday so seems a good day to start using it! I think initially I'm going to be entering things the old way in my spreadsheet to make sure it is lining up with what I expect YNAB to do.
My husband and I did sit down last night for a discussion. He is now aware of our total cash savings, the current amount on credit cards (not paying any interest), the net income, our expenses and how much we are saving annually for retirement. He seemed very pleased to know all the details. He was a bit surprised that there wasn't as much extra as he thought. He admitted to spending thinking that with his raise there is a lot of extra. There really is plenty. To me, it's about not wasting the extra on lunches out. We need to make sure we are accomplishing what we want with our money.
It was a good start. We didn't make any decisions on buying anything new. No changes have been made to anything yet, which is fine. We'll get where we want to go soon. 
The first month of YNAB will be interesting as I'm not entirely sure how much we spend on groceries or gas each month. I will do my best to make an educated guess. The nice thing is I do know how to save cash for non monthly expenses, such as an insurance bill. I already have that part of the budget figured out....well for some things. I'd like to do this for more items as we move forward.
What do you like best about using YNAB? Did anyone try using it and then give up?
YNAB
August 31st, 2015 at 11:28 am
August 31st, 2015 at 10:22 pm 1441059735
September 2nd, 2015 at 03:15 am 1441163719
It will probably take you awhile to figure out your groceries/etc. Until then you can always do WAM - whacking the mole.