About
YNAB is different because it’s budgeting the money you have right now in your bank account, and not the money coming in (like your next paycheque).
Setup
Create an account on YNAB Link the bank account, most people uses Linked Budget Accounts, money you’re using right now and short-term savings, these are money that will be categorized out to do different things in YNAB Mortgage and Loans, debt you’re trying to pay down Tracking account, other assets or liabilities to track as part of big picture, not part of the budget Liability (e.g. mortgage)