Hi. So, we've started ynab once before, but our computer crashed and I had to wait for a new one to restart things. Okay, we have a little over $10K in savings. We use a credit card for a lot of our monthly expenses for the rewards points and always pay it off every month. We have no debt other than our house. I'm the type that likes to start at the beginning of the month/week for things (budgeting, healthy eating plans, exercise...ya know) Right now we have a balance on our card, it's not due until the middle of November. We have two savings accounts. One we don't touch, but deposit money we never see every pay period, and one that is with our checking. The one with our checking doesn't have a "month roll-over" yet. We pay all our bills at the beginning of the month. Should I zero out all of our accounts using the savings we don't touch, put the roll-over in our savings account, and then start the budgeting at ground zero? I feel like starting at zero (because we can) will help us see what our spending is really like and make us more aware of where we spend and how we should spend to help maximize our savings for some big purchases. Thoughts? Thanks!
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