<prompt> Human: Im really trying to get my finances together and decided to give YNAB a shot but Im having difficulty getting the hang of it. Does anyone know of a guide that I can follow?One of my biggest issues is that I dont know how Im supposed to have a Zero budget if I already have charges on my credit cards? Also how do I categorize payments that I make in my credit card?  <response>: You may find these links helpful:- rynab: all about YNAB- BudgetingI am a bot, and this action was performed automatically. Please contact the moderators of this subredditmessagecompose?torpersonalfinance if you have any questions or concerns. 