I have YNAB on an old laptop that is no longer in use and lives in the closet of our spare (read as JUNK) room. In an effort to meet the New Year with better organization and more conscientious spending, I thought I'd revisit it.

Are there any current YNAB users here who can offer any advice? I was terribly confused the last go around with "supplemental" and "primary".

And here is a new thing. With due diligence, we are starting out the year with all January bills paid. The paychecks in January (6th and 20th) will go toward February's bills, and I will be paying $3,000 towrd the credit card debt, which we hope to reduce significantly this year.