So I want to get better at managing my money. I have some minor debt I'd like to knock out, but I'm more or less confident my income is sufficient to my expenses for that. Problem is that I'm always assuming, and I'd like to have things more concrete and organized.
When starting out with YNAB, should I just accept that the first month or so is going to be a shit show in terms of what it's telling me?
When I set up my budget, I then look at October and everything is at $0 and it carries over all my "unused money" from September. Obviously, when I said $x for property tax, and that already came out, I don't want that money carried over.
Also, can it not just carry over my Sept budget to Oct, then I'd modify/take away items I won't use in October?
I'm obviously still very confused. I didn't find their 5-step quick start guide helpful at all.