Welcome @kfelicidario. Great questions!
A few quick notes:
- If you’re looking for help from templates rather than building on your own, I’d recommend moving over to Google Sheets. The functionality will be familiar if you are an Excel user and there are a lot more workflows and templates on that side of our product offering.
- In Sheets, install the Tiller Community Solutions Add-on. You will find tons of templates and even a YNAB import workflow.
- In Sheets there is a Bill Payment Tracker template that may help with your bill tracking workflow.
- If you like envelope style budgeting, you can try the Savings Budget template.
Good luck!