This is what I enjoy most about being CF, everything in life is much more flexible. Both my partner and myself are working shifts and our planning doesn’t depend on weekend and school holidays. Going out for a nice dinner on a Tuesday is much more enjoyable when the restaurants aren’t full. Also, traveling after the summer rush is what we prefer. Things are somewhat cheaper, popular areas are emptier, and the weather is cooler.

I’ve been using YNAB since 2013 and I really enjoy the method, it fits with my lifestyle.

However, I went back to using the old YNAB4 when they announced the big price hike. I manually import the transaction files from my bank. It’s easy and doesn’t take a lot of time. I couldn’t justify the new price, especially when taking exchange rates into account.