4 years with YNAB, turning 27 next week. Forever grateful for this tool and philosophy! AMA

1mo ⋅ ⋅

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I never thought I'd see the day I'd have over a grand saved.

4yr ⋅

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Does anyone else like to spend their Sunday evenings looking at this screen and feeling the relief that a year of YNAB brings?

4yr ⋅

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To all my fellow manual-entry YNABers! You know you've been there too!

4yr ⋅

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Look at this net worth I’ve amassed in my 27 years!

4yr ⋅

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YNAB date with my wife, her meeting notes

3yr ⋅

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Starting YNAB was awful....

3yr ⋅

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My YNAB account is mainly for my personal, plus our joint. I recently added my boyfriend's credit card so we can track it together and I've finally got this far. Then he drops this on me 😂

4yr ⋅

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Weekly goal?

3yr ⋅

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Thanks to YNAB I was able to buy my Dyson vacuum, guilt-free

4yr ⋅

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When you've gotten in the bad habit of covering everyday overspending with your emergency fund...

5yr ⋅

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I was about to ask reddit what SEP stands for. took me a lot of googling to simply realize it was the month. Hopefully this is as dumb as I'll get today!

2yr ⋅

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50% of the way towards my first house!

4yr ⋅

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A long way to go, but proud of how far I've come in 2020

3yr ⋅

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The stimulus wasn't much, but I sure found this stimulating

3yr ⋅

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7 years of YNAB this month!! 23-30 yrs old.

1yr ⋅

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First opportunity to refer, morale at an all time high

2yr ⋅

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Side effects of Divorce.

2yr ⋅

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Can you guess what month I started using YNAB?

1yr ⋅

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Me for the last hour combing through my budget 🤣

2yr ⋅

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After nearly 6 years of obsessive tracking, although admittedly with poor spending control, I am finally in the black!

3yr ⋅

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My life is pretty much rule 3.

4yr ⋅

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I broke $1,000,000 net worth today

3yr ⋅

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Thanks to YNAB, I finally own my 1st car outright.

2yr ⋅

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I started on 31st December 2018. I didn't want to spend another year getting poorer and not knowing why. I might not have several hundred K in the bank but I'm still proud of my achievements

4yr ⋅

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Me today when my federal tax refund, state tax refund, and paycheck hit the bank at the same time

2yr ⋅

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When that interest hits. 🤑

2yr ⋅

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First month trying ynab (again) I hate myself for this

8mo ⋅

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I am 38 years old. This is the first time I've had more money than I owe since I was 19 or 20.

4yr ⋅

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Paid off all my debt within a year of using YNAB... then I moved.

1yr ⋅

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$92 to my name!

4yr ⋅

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Thanks YNAB, I couldn't have done it without you

2yr ⋅

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How to remind myself the Student Loan forgiveness isn’t a done deal yet....

1yr ⋅

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My birthday is this month and I’m so excited that I made myself a “birthday” goal!! $150 to treat myself with no guilt is amazing. Now I just need to figure out what I want...

3yr ⋅

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Less than a year using YNAB and have successfully paid off my student loans and aim to continue going upward. This app is amazing and changed my perspective on the value of money! 10/10

3yr ⋅

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Lost my job to COVID last year but still managed to get through the year. Just got a new job as a Covid vaccinator! Thanks YNAB for keeping me sane!

3yr ⋅

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Today I begin my YNAB journey again for the 3rd time. Wish me luck!

4yr ⋅

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I'm... almost funded for the month?? And we have 2 more checks coming this month??

3yr ⋅

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A few years later, it finally happened! Zero Debt! Thanks YNAB!!!

3yr ⋅

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You hate to see it, but it also means it works.

1yr ⋅

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A+ to whomever at YNAB made Ted Lasso’s budget.

2yr ⋅

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As of last week I've officially become YNAB Worthless!!

2yr ⋅

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Just wrapped up our 10th year of YNAB! Every expense, loan, mortgage, and house value accounted for over a decade. Started with a net worth of -$100,000 (mostly student loans), and now we're well above $500,000. Couldn't have done it without YNAB! 💰💰💰

1yr ⋅

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Cracked the 200 day mark!

1yr ⋅

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1 year with YNAB! + Net worth for probably the first time ever!

1mo ⋅

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I know AOM doesn't mean too much, but happy to see this in my second month of YNAB.

2yr ⋅

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Nice.

1yr ⋅

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I DID THE THING! All my cards paid off [aside from like $10 in pending charges 🙄]. This is so fucking cool

3yr ⋅

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Sneak Peek at 2019 vs. 2020 Spending

3yr ⋅

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feelsgoodman. I've never been this far ahead in my finances.

3yr ⋅

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It's not much. But it's my first month and I'm loving it.

3yr ⋅

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TESLA MODEL 3 - YNABER SPOTTED!

4yr ⋅

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Might not be working out or having as much quiet time as I envisioned, but look at that budgeting block! (Yes, I see the irony in my break from the reset being a piece of workout/recovery equipment)

3yr ⋅

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YOU GUYS! Made the most of a three-paycheck month and killed one of my CCs!

4yr ⋅

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Little more than a year since starting with nYNAB, I am debt-free today.

4yr ⋅

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My husband is a little sarcastically bitter that my sister’s wedding date is also his birthday. Ha!

2yr ⋅

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Thanks to YNAB, I know that my major bills are now call covered through June

4yr ⋅

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I think I'm finally getting the hang of it! I'm so glad I was recommended this budgeting system!

1yr ⋅

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Impressive how a lot of you make such great steps. Seriously awesome! Sometimes a bit too impressive, so just felt the need to share that everyone can get worthless. Even on a way slower pace. And that slow is still good too, as long as that line goes up every month!

4yr ⋅

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Really bad year but this makes me feel better

2yr ⋅

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I DID IT! 💪

3yr ⋅

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The app update notes are quite amusing

3yr ⋅

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Money moves are here! Just got this popup box when logging into YNAB

3yr ⋅

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Any guesses on when I signed up for YNAB? 🤣

3yr ⋅

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Sometimes the YNAB life is a struggle

3yr ⋅

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My Eight Year Old Set Up a Budget!

1yr ⋅

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5th times the charm ✨

2yr ⋅

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A little over 2 years of Car Spending

1yr ⋅

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Micro-win: SO noticed a sale on whiskey and bourbon near where he works, but we figured out we get a better deal on it at our neighborhood store without having to go there in person

3yr ⋅

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On March 31st, I kicked off my divorce and moved out with $389 in cash. Today I have over $5800 and hit 30 days of money! Here's to building that emergency fund - now I can start to slay my debt!

4yr ⋅

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10 Years of YNAB - I’m posting this with numbers to aid in hope, not to brag. Educate yourself, stick to daily improvement and you will come out on top. This graph covers student loans, moves, unemployment, divorce, failed business, and markets tanking. It is always best to show your fails & success

4yr ⋅

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Check out this student loan balance...

4yr ⋅

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When the stars align

4yr ⋅

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Just paid cash for my first new car after years of “making car payments” into that category! Thanks YNAB!!! The mindset shift makes all the difference.

3yr ⋅

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Reached my 2019 goal—I'm finally worthless!

4yr ⋅

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Thanks to YNAB this morning I was able to make the final payoff of a $40k LendingClub loan a year and a half early! Budgeting really helped me free up cash to accelerate the payments!!

3yr ⋅

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Soooo close to getting out of consumer debt!! Scared of not maintaining it like last time.

1yr ⋅

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Have you seen YNAB's new blue? A possible sign of rebranding

1yr ⋅

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Poor soul

2yr ⋅

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A Decade of YNAB

1yr ⋅

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Collapse Categories on mobile coming!!

2yr ⋅

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Me today when my federal tax refund, state tax refund, and paycheck hit the bank at the same time

3yr ⋅

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Put YNAB through it's first real life test! Just came back from an 8 day trip in Europe, paid with everything with credit cards, came back home, reconciled, still had about $48 left in my vacation budget, all this month's bills covered already, and still got money for next month. Thanks YNAB!

4yr ⋅

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My first ever positive net worth! It will be gone by tomorrow but I’m going to celebrate it anyway.

4yr ⋅

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I can finally join the worthless crowd! It has been a long time coming but I am pretty excited!

4yr ⋅

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Nothing as insane as what y'all are doing, but I've been using YNAB for 9 months and I finally hit a big goal today.

4yr ⋅

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YNAB 4 long hauler here. Milestone of a quarter mill reached.

6d ⋅

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I’ve been putting off actually inputting all debts into YNAB because I didn’t want to see this.. I’ve been using it to just manage the actual cash in my account. But, it’s time to kick this debt out of here once and for all. 💪🏻

3yr ⋅

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[Rave] 4 years after graduating and I'm debt free!

4yr ⋅

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Update on my Debt Tracker- Jeep is paid off!!

2yr ⋅

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Earlier this year I became worth nothing and today I paid off my debts! I'm officially debt-free!!

4yr ⋅

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Thanks, YNAB

3yr ⋅

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I can't remember if cross posts are allowed but...

2yr ⋅

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this is the first time in my entire life i’ve ever seen this

4yr ⋅

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This was in my cookie tonight. Thank you YNAB for all you taught me.

2yr ⋅

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Look what just arrived! A day before my birthday! 😍

3yr ⋅

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Just got my swag in the mail yesterday! Who else is reconciling this Saturday?

3yr ⋅

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Small victory- I’ve never earned more than $0.01 in interest before!

4yr ⋅

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My fiancee isn’t great at keeping track of a budget, and essentially just wants an allowance every month. I built her an app that hooks into the YNAB budget we share!

5yr ⋅

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Significantly less stress shopping/drinking since I finished college. Out of the red for the first time in forever. Saving up for a truck, wish me luck!

4yr ⋅

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It finally happened!

2yr ⋅

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Thanks, YNAB, this tip is super helpful! I had no idea paying the minimum on my mortgage would help pay it off faster than... not paying my mortgage 🤣

2yr ⋅

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Small victories, but I went from 4 days in Jn to 23 in May! Also managed to pay $1,200 down on a credit card!

3yr ⋅

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Lol and congrats to this YNAB’er!

11mo ⋅

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Put my very last debt on a zero-interest card 12 months ago and divided up payments so it would all be gone before the introductory period ended. Today... we celebrate our independence day

4yr ⋅

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Anyone else feel like its Christmas morning all over again today, crunching those end of year numbers? Paying off all those student loans finally feels good after looking at this chart.

3yr ⋅

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Oh, received yesterday...the sweet irony

2yr ⋅

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It’s beautiful 🤩

2yr ⋅

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Got the Last of my students loans forgiven and we are officially DEBT FREE!

4yr ⋅

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When you turn budgeting into a game 😂

1yr ⋅

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Savings not included

3yr ⋅

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Nice.

3yr ⋅

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Mirror Day. After 38 months of budgeting, my savings have finally surpassed my initial debt.

4yr ⋅

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It's Halloween, here's something scary

2yr ⋅

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WE'RE DEBT FREE!!!

4yr ⋅

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1 Year Buffer... Awwwwww Yeah

3yr ⋅

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I saw this on twitter. I thought the goal was to pay off debt as fast as possible and forgo saving. Wouldn’t slowly paying off debt in order to save still cost you in the long run?

1yr ⋅

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Fun fact: we discussed using the same budgeting software on our second date

2yr ⋅

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Finally have triple digit AOM! Not to mention an almost 300% increase in net worth since I started YNABing!

3yr ⋅

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We’re Debt Free (other than the mortgage)! So much credit to YNAB - we’d never be here without it.

2yr ⋅

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I’m finally getting serious about paying off my debt. The first snowflake fell today, and I know I can afford it thanks to YNAB.

4yr ⋅

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A year ago, I only had $31.55 in my bank account and the remains of a $52k tuition loan that never seemed to get any lower. I am now debt free, and even have some savings. Thank you, YNAB. This app changed my life and relationship with money.

4yr ⋅

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Say no to 100% price increase. Who’s with me?

2yr ⋅

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Completely debt free thanks to YNAB

2yr ⋅

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Last year I consolidated some legacy debt onto a 0% interest card and set a goal in YNAB to pay it off at the end of the promo, which was today. Despite all the turmoil going on right now, we were able to get rid of this debt, without paying a cent in interest or fees!

4yr ⋅

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Triple YNAB victory: DEBT-FREE for the first time in 9 years, AND funded our entire wedding ourselves, AND did it all on one income while my partner is in school full-time. AHHH I LOVE YOU ALL (Detail in comments!)

1yr ⋅

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When the date is going well then you glance over and see her categorizing transactions

2yr ⋅

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6 years of YNAB plus selling and buying a house

4yr ⋅

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When did I sign up for YNAB? I’ll give you two guesses

2yr ⋅

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I'm obsessed with YNAB's Release Notes

4yr ⋅

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YNAB ads at the Austin airport

1yr ⋅

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Still a long way but the tides have turned

3yr ⋅

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Guys...we're soo close

4yr ⋅

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Reached 90 days age of money

1yr ⋅

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Being able to tick the Current Balance button at the end of the month for my CC payment is a TOTAL YNAB WIN!

4yr ⋅

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By the love of God I've done it! Over 800 credit score. YNAB led the way.

2yr ⋅

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Dark mode is out!

4yr ⋅

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Finally my turn!!! We are DEBT FREE!!!

2yr ⋅

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RIP budget, I will miss you

2yr ⋅

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I can't be the only one who enjoys that rush from the YNAB web app

3yr ⋅

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Swag has arrived!

2yr ⋅

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Two years of ynab and now debt free

4yr ⋅

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Annnnd it's gone

5yr ⋅

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Debt is finally gone! This is where things start to get interesting.

3yr ⋅

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I'm so close to being rid of my highest-interest debt, and it's driving me wild... so I'm sharing my excitement/distress here with y'all. I've been super aggressive with debt paydown, but I still have some months to go.

4yr ⋅

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Am I the only one who takes the first 3 Rules far more seriously than the Age Your Money one?

1yr ⋅

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Someday I’ll buy you full price...

2yr ⋅

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