Almost a year ago my wife and I started using YNAB to budget our finances. Since then we've paid off over $60,000 in debt, taken two family vacations which we've paid for in cash, paid cash for good Christmas and birthday gifts for our kids, cleared out all our remaining credit card debt, sold a house, bought a house, and have a plan for every dollar under our control. We have all April expenses paid and funds set aside for all of May's expenses. As of today we are spending money we made 72 days ago.

Before YNAB our finances were a mess and we were spiraling out of control. It's amazing what a difference a year of financial responsibility makes.