I had heard good things about YNAB, so I purchased it a few months ago. I can see how it could work really well for some people, but reconciling it with my finances was a little too much ongoing work for me (also the UI was somewhat sluggish for me).

Good article though, I definitely agree with your points on how freelance budgeting makes a big difference. Transitioning from a salaried job can be tough, but you really do need to change your strategies/mentality for managing finances.