Back in January, 2019, I decided to try out what I thought would be another online gimmick. Boy, was I mistaken.
YNAB (You Need A Budget) is not your typical budget app or program. It is a game changer. When I first signed up, I planned to take advantage of the 34-day free trial. I really had no idea if I would continue or if I would cancel before the trial finished. Honestly, I was hooked within a few weeks and purchased an annual subscription for $84.
A little about myself. I, like most Americans, have at least one credit card with a large balance on it. The balance has remained high for a number of years. I pay a little more than the minimum due and never miss a payment. I tithe regularly and I give often. When I added YNAB to the mix, something changed about the way I think about money, the way I spend money, and the way I plan to reduce my debt. For the first time in years, I’ve reduced my credit card debt by about $5K.
For the first time in a long time, I feel like I am on the right path to getting rid of this debt and getting back ahead.
Try it for yourself. Please use this link. If you use this link, complete the trial, and subscribe, I receive an additional month.