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Ok, I bought YNAB last night. So far, setting it up has been as easy as promised. I had created Daily spending Plan (basically a cash flow spreadsheet) for us, which we've used for several years. It's kept us honest, and since each month gets it's own sheet in the workbook, it lets us see what a major purchase NOW will do to us several months from now.

Keeping us on budget is a good thing, but we're not building much for the future. THe Daily Spending Plan has been good, but has it's limits.

So, YNAB. Hopefully, it'll keep us on track even better - with the DSP, there was a line item for savings, but if we overspent somewhere else, it was just too easy to zero out the savings to make up for it. With YNAB, it seems like that will be a much more conscious decision, and maybe will keep us from deciding to overspend.

Wish me luck!
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