re: I'm a YNAB geek.

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This is what I'm looking to do (minus the divorce) on roughly the same salary. Any specific advice? I have been very diligently budgeting for 1 month now and Already brought my credit card debt from about $5,700 to $3,300.

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You're off to a great start! Changing habits is hard, but stick with it. It will be worth it. Once you get your CC debt paid off, get rid of it if you know you cant be responsible with it. Or ask to have a much lower limit, like 500. Also use the envelop method. Or I do something similar because I get paid weekly. Open another checking account. Take all your bills, divide by four. And every pay day take that amount (I add a little extra) and add it to your bill pay account. Works wonders.

Save before spending, dont just spend and save what's left over.