This is from an old article on the BBC news website, but I still think this rings true today.

When Mr Mint and I were learning to budget in YNAB and follow Dave Ramsey baby steps, I stuck on our fridge.  I still think

The one part I really don’t agree with is “I can pay it off in three months”, because it encourages borrowing money instead of saving (I crossed it of the copy on our fridge).