Hellobee Boards

@Eko: We've been using YNAB for over a year and love it. Their website has a lot of good intro videos - http://www.youneedabudget.com.

It's zero-based budgeting, which means you budget the money you actually have. We budget based on the last month's income, which is one of the goals of YNAB. We like it because we can see exactly where all our money is going. It's also designed so if you end up overspending in one category, you have to subtract the money from another category to reflect your actual spending.

You'll find some die-hard YNAB fans here. I know a few threads have been started. Check them out!

http://boards.hellobee.com/topic/ynab-2015-chat-thread

http://boards.hellobee.com/topic/ynab-yay-or-nay#post-1400303

http://boards.hellobee.com/topic/ynab#post-1375502

You don't really do any forecasting with YNAB, you take a look at the money you have and ask yourself the question "What does this money have to do until I get paid again". Then you break up the money into different pots of money.
When you are about to spend money, you look only at the pot of money you set aside for that task/thing. If you don't have enough money in the pot, you have to decide to either a) not make the purchase, or b) take money from a different pot.
It really changes your way of thinking. There is no, "Well I can buy this now because I get paid on Friday." It really wants you to focus on the money you have so you don't fall into a debt circle.

I'm happy to answer any other questions you have!

@Eko: Did you get Ynab set up or did you decide to use something else?