I couldn&#x27;t agree more - I tried mint for a while and I basically did nothing with it besides checking my transactions.<p>YNAB completely changed how I view my money. Now when I go to buy something, I don&#x27;t just go spend. I see how much I have in that category, and if it&#x27;s not enough, I either move money to it from another category, or not buy it.<p>It&#x27;s been very helpful for me in my goal of saving more than 50% of my take home pay.