SUCCESS: Started YNAB in early January; finally reached the point where we are officially living on last month's income! It's March, and we are only spending February income! We achieved this after less than 2 months of using YNAB. Going forward, all of March's income will go toward April first and then the rest will go directly into our emergency and down payment for first house categories. YNAB has drastically changed how we spend and has really enabled us to save more and to get ahead. I wish I knew about it years ago! I wasted way too many years "tracking" my spending on Mint. 