Figured I would just resurrect this thread rather than starting a new one. Since women here have had good experiences with this software I downloaded it last night and checked it out.

I found, to my surprise, that it isn't all that different from my personal budget spreadsheet I have in Excel. The only real differences between what I have and this $60 program is it provides running sums for categories and individual items. The monthly totals for income is reported differently, but that is more of a style difference.

I've come to the conclusion that my problem is more a combination of a lack of discipline and unforeseen medical expenses than not knowing what I am spending. I am a whiz at Excel and can easily enhance my current spreadsheet to add those features that I like in YNAB - or re-write everything in a custom interface. I see no reason to spend $60...If I didn't have anything similar I would.

Time to make my OCD tendencies start working for me rather than against me and focus on getting out of this rough spot I am in and change how I do things. I had thought that I had succeeded in doing that, but then got bitten, badly, by the cycling addiction. This is my non-cycling New Years Resolution, and I am posting it here as a form of self-accountability. Don't ask me why it helps, but it does.