<prompt> Human: TL;DR below if you scroll.Just stick to it, you said. It will make perfect sense at some point, you said. Try not to overspend your budget categories, you said. Its okay to make mistakes, you said. I started the new year on a mission to fix my budget once and for all. Ive tried so many things over the last 20 years or so. Extensive spreadsheets, envelopes, others I cant remember at the moment. I was gifted a key for YNAB by a generous redditor and began. It was very difficult to see every dollar spent. It made me nervous and skeptical. Sure, each dollar was assigned to a noble task, but was it the right task for the week or month? Dont worry, you said. Just stick to it as close as possible, you said.I woke up Sunday morning at the beginning of the second month of my journey and opened YNAB. Whats this? Im a week from payday, New bills are on their way, and I have money for them? What about January? Nevermind, thats the past. My credit balances have stayed where I paid them down to? I had actually forgotten about my credit balances and their spending availability. Twenty. One. YEARS. That has never happened since Ive had credit balances of any kind.It hit me all at once. If the click was audible, it would have woken the entire neighborhood. It works. Ill take another glass of koolaid please. I still have debt, but this is only the beginning. And today I possess confidence and shed worry.Thank you all. Without even knowing, every one of you have helped with your comments and posts in this sub. Im not active in this sub, but I pay attention. Thanks again.TL;DR - I committed to YNAB with your help, and it worked. When it clicked it was deafening, silencing my fears and anxieties. I have a long journey, but for the first time in over a decade I can see the destination on my map.Edit: Well, this got pretty sizeable with great info to and from everyone. Nearly every question someone asked is being responded to with what I probably would have said if you hadnt beaten me to it. You guys are simply chock full of badassery. Nicely done. Im a fan.Edit 2: Link  <response>: This is a friendly reminder to check out rynab! You may also be interested in our our FAQ entry on Budgeting and our section on SpreadsheetsI am a botrAutoModeratorcommentsq11puwhat_is_automoderator, and this action was performed automatically. Please contact the moderators of this subredditmessagecompose?to2Fr2Fpersonalfinance if you have any questions or concerns. 