Over the last year I’ve been using YNAB to help manage my finances. It wasn’t all plain sailing, I had to start fresh on it a couple of times, but it certainly helped me steward my money more wisely. Going into 2018 I had one big goal: get rid of my credit card debt. On 31st December I made the final payment and for the first time in a long time I head in to a new year debt free. As I setup some new categories in YNAB this afternoon, it was incredible how freeing it is not having something there nagging at you.