[andrewmunsell]

I don't really use YNAB to strictly budget either, but more for tracking as well. Essentially, I budget the fixed categories (mortgage, property taxes, insurance, etc.), move some fixed amount to a savings category, and then leave the rest as "To Be Budgeted".

Then, as the month goes on and some of the categories that didn't have a fixed budget are "over budget", I just move the required money to the individual category to zero it out. Anything that caries over to the next month goes to the savings category.