Yeah it's amazing how much you can accomplish just by minor things like not using DoorDash constantly and having caps on spending on electronics on Amazon. YNA

Yeah it's amazing how much you can accomplish just by minor things like not using DoorDash constantly and having caps on spending on electronics on Amazon. YNAB is much nicer than Mint IMO. Mint feels more like a toy. With YNAB you do something called "envelope budgeting" (just a digital version) https://www.thebalance.com/what-is-envelope-budgeting-1293682 https://www.thebalance.com/what-is-envelope-budgeting-129368... I've found being obsessive with tracking expenses is a good way to lose motivation (like going to the gym) so it's good to have a simple pattern to get used to.