Pets can be extremely expensive, but even in the mornings when I am woken up by a furry paw in my face, I always remember that they’re so worth it.

I love YNAB. I started using it in January of this year. I use the spreadsheet version, which is the cheaper version. I’m kind of a geek about spreadsheets, and wanted something that I could very easily use from wherever, rather than risk installing in one place. That’s just me though – I’ve heard rave reviews about the full version as well.

For me, it’s been worth every penny that I paid for it. My finances are in much better control than they were. I am planning ahead, so it means that the month my insurance bill hits, I’m prepared for it. I also am paying much better attention to where my money is going. I am often horrified to see how much money I’ve spent on certain things in a single month.

For me, it’s also created somewhat of a bit of a sense of accomplishment. One thing YNAB does is shows you the percentage you spent out of budget that month. I love the idea of finishing the month as much under budget as well. I’m kind of a geek like that!

I’ve written a bit on YNAB on my blog, and just so there’s full disclosure I do advertise it as well, but I advertise it because I love it, not because I plan to make a fortune from the referral. I want people to try the system, regardless of whether or not they sign up through my referral link.

So that’s my opinion. Congrats on the PF blog! I’m going to check it out as soon as I post this!