Thanks Aronos!
Quick question, how do you use the rollover for income and how do you make adjustments to it? (Budget vs savings adjustments) I would like to hear how any of you make income adjustments regardless of how you use the savings budget!
I’m trying to do more of a zero-based/envelope system. I don’t want my end of month adjustments to erase my bad spending habits or affect budget history.
I just tried using a new workflow, where I don’t adjust the savings and budget for the current month, but I adjust savings in the following month based off of the savings carried from previous month’s. This makes it so I can see the negative available balances when I look at the previous month. The envelopes start out as zero before adding the current months budgets.
But I’m not settled on what to with income adjustments. I was just subtracting the positive savings values from savings; however, when I have unbuffered income, I realized that I can budget for it in the next month, which reduces the available to zero, and helps fix my budget health.
Does that make sense to any of you? I know I could have explained this further and more clearly.