I've just started using YNAB, loving it so far. We have an erratic income and weird payment timings, plus some income in cash (accounted for) so none of my other many efforts with paper, excel or apps have ever worked. YouNeedABudget works differently and I can see how it will work with our situation. You only plan using the money you currently have, which means at the moment I can only plan until the next money comes in. After a few months I'll be able to see better the overall picture but even currently I can see that I can afford to take the kids out today as I have allocated my current money to all the important bills and expenses that are due before we next get money and I can see that I've set aside some for days out. I can't predict the future with it, but I can't do that anyway with a variable income.