And I’ve not yet come across a program like YNAB to do just that: Create and maintain a budget. YNAB is totally unique in that sense. I have learned to save for upcoming bills, vet care, insurance, car repairs, and all of life’s other little surprises. I am no longer living paycheck to paycheck. We recently had our laptop break down and didn’t replace it for two months, during which time we went without YNAB. It was insane to see how much we needed the program! Keep up the good work! I look forward to seeing what’s in the works next. By the fifteenth, I am putting money in for the next month. I really love YNAB.