Hello everyone I've been using YNAB since 2007! I bought the very first YNAB desktop app and fell in love. It helped me to pay off $14000 in debt over the course of about 4 years, at a time when i made less than $20000 per year. YNAB helped me make a massive paradigm shift to achieve that success.
However, lately I find myself shifting back into some old patterns and I now have amassed a little over$6000 in debt (car payment and student loan). It needs to be paid quickly to take me to my goal of $0 debt, and allow me to enter the next phase of life... investing. I plan to pay this $6000 in 1 year, by June 1st of 2015!
I know its absolutely achievable I just have to re-align my spending and saving habits with the goals I'm trying to achieve.
Has anyone else felt the backslide after getting out of debt? How did you handle it, and re-motivate yourself?
