I won't go so far as to say it changed my life but establishing an amount of money to spend each month for a category and then watching that allocation get adjusted multiple times per month has really helped me. I really don't like seeing when I spend over my allocation (because I manually enter all my transactions) and the YNAB method puts it squarely in your face so you can be really aware that you went over.
Couple this with Loyal3 where I get to send any money for the month I didn't use there to buy more stock == double win. This year I've been able to see and track my net worth grow and even though everyone's portfolios took massive hits this month, my net worth increased. It's really a good feeling.
|Net worth tracking since May 14 via YNAB|