I’m not giving up on you guys. Cheers.

Really, to make this feature usable, we must be able to edit the “current balance” at the same time that we set the “monthly allowance” for each envelope (and the term “limit” shouldn’t be used).

I’m just about ready to disable roll-over; it seems like a really neat idea, but the lack of control over balance makes it worthless. With the loss of rollover, it’s looking more and more like new-style “envelope” budgets are an almost total loss (there’s absolutely no meaning to “envelopes” that don’t have a “current balance”).

SO darn close. I really like the “today line”. I like every single part of it, except for the seemingly minor lack of “current balance”.

One thing that helps: try just setting up envelopes for the categories you NEED to control, and use the “Projections” report to control the rest. Just set up “Bill Reminders” for your paycheck (as Income, of course), and for all your yearly and monthly bills; then run a Projections report, starting tomorrow and running for 3-12 months (warning: never set the start date to earlier than tomorrow, the report produces complete gibberish). I then computed my average daily spending for everything EXCEPT my yearly and monthly bills and entered a “Bill Reminder” for that (occurring every day, you’ll probably want to turn off email reminders).

And bingo, the Projections report became useful. Later on I broke things down on an account-by-account basis so that I can use the Projections report to see when any specific account will be in danger.

There are tons of things to watch out for with the Projections… It can’t tell when a Bill Warning hasn’t actually been paid, so it’ll look like you have more money than you actually do. It won’t include “Pending” transactions in the past (like checks that haven’t been cashed yet). And as I mentioned, if you put its start date earlier than tomorrow it’ll be nonsense, and if you set it too far in the future it doesn’t have enough data to be reliable (both could be fixed, but I’ve no doubt there are more urgent things). But in general, it works very well.

Please may we be allowed to edit the current balance as well as the monthly “limit”? I think this would do the most toward making the envelopes immediately useful.

Bye bye, Mint!

Let’s say I put aside 75 aside for clothing each month, starting in August. In November I have put aside a total of 300. In August and October I spent 50 and 90 respectively, so at the end of November there should be 160 my clothing budget. How do I make the budget display this left-over amount in my budget/envelope?

I understand that the roll-over will only take effect from today. That’s no problem, but a starting budget would give the app an amount to roll over *from*, rather than just zero. Any chance of this feature, or perhaps a workaround?

Cheers!