YNAB is a software that will help you. As long as you help it help you. Like a pet, you have to take care of it daily. Keep it fed and watered. Does that sounds like work? Well, it is, a little bit. This is adulting after all.
Here’s everything I’ve learned about using YNAB so far:
Go to your account, click Import
Categorize all purchases
Make sure your To Be Budgeted is green.
Categorize the money you get as To Be Budgeted
Ask yourself what that money most needs to do
Look at the age of money. You’re trying to get that number to 30.
Ask yourself if there are things you need to save for, and set goals
Your Cleared Balance should match your bank balance
Any grey “C” symbols should be cleared. You can go to select all, edit, then mark as cleared.