Budget: Reconcile without changing Plan Amounts
I hate having to update the planned amount if I spent less or more. The system know if I am over budget or under budget. Let's say at the end of the month I spent $200 less overall than planned, I want to be able to see that at the top like it currently does and then I can decide if I want to pay more towards debt or savings, whatever and then when that is allocated the budget balances out.
I do not want to have to update the planned section, I love to see the areas where I spent less than planned. I also think seeing the red negative in categories I spent more than planned is encouraging to do better next month and recognizing patterns of over spending and not budgeting appropriately. If everything is green and balancing out, you can not quickly review the budget and see where improvements are needed.
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Automate the reconciliation. Have the user designate the budget item to adjust (like a “Payoff Debt” or “Additional Mortgage Principal” budget item), them automatically update that item by adding in positive remaining balances and subtracting negative remaining balances. Somehow indicate the designated budget item for the reconciliation has been changed, like make it purple or highlight it yellow.
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