<prompt> Human: New members, please check the PF Wiki to see if your question might be answered there.Please use this thread for personal finance discussions and questions which might not warrant a separate post. Please note that the subreddit rules still apply here.Make a top-level comment if you want to ask a question or start a discussion! Please dont downvote moronic questions!A big thank you to the many PFers who take time to answer other peoples questions!For past Weekend Discussion threads, please search the Weekly Archive  <response>: Ive tried in the past to budget and it always turned into just a list of bills and me being able to say yea I got enough then still living paycheck to paycheck and never really focusing on where my money was going to. Wife and I sat down and used one of the excel budgets from the wiki and laid out our bills. Still felt like that wasnt enough so looked into YNAB. Wish Id have done that way sooner, loving seeing where my money is going and having a goals in mind other than just pay the bills and live paycheck to paycheck. So if anyone is on the fence about YNAB, make the leap you wont regret it 