I’ve had a bit of time off from using YNAB - I tend to fall out of good habits and leave it too long to get on it.
But what I did find really helped, was massively massively simplifying all my accounts - I used to have like 3 credit cards, an Amex, a couple of current accounts I would put different things on - and honestly just embracing Monzo as fully as I could (minus one credit card) it really helped.
The other thing, is if you are using Pots - set them up as separate accounts in YNAB - I found that best replicated the reality I was trying to achieve.
There are tools, including IFTTT, that you can sync most transactions in real time. (Some things go a bit funny, but for the most part, it’s OK) - saves a lot of manual entry.
I find that the lack of specificity in Monzo categories always got in the way of my budget - there I some things I want really generic, some things I want to be more specific - and I never found a good way to get Monzo to properly capture my savings goals.
I really really like the YNAB Philosophy of “Give Every Dollar a Job” - that mindset helped me get my head away from spare cash or going out because I’ve just been paid etc.
I get the feeling that Monzo is getting better, with the Sorter and what not, yet still there’s a bit of a conflict [for me] between how categories/pots/tracking spending all interact.
I really like the control that YNAB can give me - and I found the cost of the subscription (£50/y when I signed up) - I saved in making better decisions about my money.
I’ve not use YNAB properly for a few months now, owing in part to better habits having stuck, some of them at least, but at my very very worst financial situation, YNAB helped me see that I could work past it.