I started using YNAB in May of this year, and I can say without exaggeration that is has changed my life. Great method, instruction, and support. I have person

I started using YNAB in May of this year, and I can say without exaggeration that is has changed my life. Great method, instruction, and support. I have personally convinced several other people to start using it, and happily evangelize the product whenever the topic of personal finance or budgeting comes up. Also, with all the focus on web apps, it is interesting to see (and use) software that is sold as a proper download.