Like all things good in life my man, it doesn’t come free!
I don’t care if I’m paying or not. I simply could not live without it
(also, I pay yearly and have a lifetime 25% discount because I’ve used it for so long)
YNAB defeats the need for Chip, Yolt, Emma, Pots, 1p saving challenge. Anything you can think of regarding managing your finances. YNAB has it