<prompt> Human: Im trying to use YNAB but need some help. I got paid on the 31st so I have a very low balance in my Budget accounts right now. I created a budget. I get paid again on the 15th. Lets pretend Ill get paid 1000. Now my problem is, I have a credit card bill of 900 from last month. Once I pay it off, Ill only have 100 left..which Ill probably use for other expenses at the end of the month..so I can never keep enough to use for next month. How do I start living on last months income if I am always needing to pay off this months bills, without any leftover?  <response>: Sounds like your incomeyour bills. Either increase income or decrease bills. 