LOL! copy cats 
For the past couple of weeks I’ve been trying out Weekly and I’ve to say I love it. What Weekly does is making your day to day transactions simple. While Emma focuses on your monthly spend, Weekly breakes it down into weeks.
In Weekly I’ve connected my accounts (Chase, PayPal and AmEx). They load my transactions from the past week and I am able to select which one is recurring and which one is one offs. They also take into consideration my salary and other incoming payments.
They take the ammount you get from your paycheck, divide it on 4.3, subtracts the monthly or yearly payments and tells you how much you’ve left to spend that week. For yearly payments they take the yearly subscription and divide it by 12. I think that automatcily subtracting yearly and monthly subscriptions from your weekly budget is a great way to make sure you don’t overspend and have enough money when the time comes for the subcriptions to be paid off.
Also, looking at my weekly ‘allowance’ rather than my ‘monthly’ allowance is easier for me. That way I won’t get fooled when I receive my paycheck thinking ‘Wow. I’ve a lot of money’ and end up spending it in the first week.
I think weekly budgets is something that would work well in Emma and I will definitely pass on to the team.
Apart from this there don’t seem to be any features that Emma doesn’t have 
I’d love that. Thank you!
You’re wrong. Although Emma lists your subscriptions they don’t automatically get detucted from your budget/monthly allowance, yearly subscriptions does not get divided on 12 and subtracted either. Weekly offers this. It’s a minor feature, but it is a big one in my opinion.
Your subscriptions do get taken away from your total budget, this is called committed spending. You can see this on your main feed and in your analytics page.
At the moment you can let Emma know when a subscription is yearly but it does not get split. How would this work though if you have already paid it?
You’re right. If I go to the main page I can see my Comitted Spends. However, as far as I can see it only shows me the monthly fees and leaves the yearly ones out of the picture. I’d like to have the quartly divided on four, yearly divded on 12 and included there.
I think you might have misunderstood what I ment when I say that I wanted it to be split. If I have a yearly subsptions for lets say Amazon Prime, Emma know what date it is due and how much that will cost me. With that information it should be easy to take that ammount, divide it on 12 and shows it as a monthly cost. Did I explain it better now?
yes that makes sense sorry, it’s quite difficult to understand things on here sometimes. 
At the moment it falls into the committed spending when it goes out of your account but you want to split it and see that split each month.
Got ya!
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What Emma could do is to move the ‘Comitted Spend’ to Analytics and give it its own section at the bottom. It could look something like
Comitted Spend - XX USD. Then when you click on to it, you see all your monthly expenses and what they they gets charged. If you’ve a yearly subscription it says something like ‘Amazon Prime, 1/12’. This way ‘Comitted Spend’ would be section similar to income/expense. Designwise it would look like a category.
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I agree with @BendikHa about the weekly budgets and a more detailed committed spend feature for yearly expenses. Weekly budgets allow for more accountability and a clearer picture of how much you can spend. I would use this feature a lot and I know some others that would too.
I also have a friend that I introduced to Emma who would love the ability to break down yearly committed spending to monthly amounts. She had been previously using Goodbudget and enjoyed having this feature. It’s been her only complaint so far and is loving how much more Emma can do than Goodbudget. I haven’t personally used an app with this feature before, but I could definitely see me getting good use out of it.
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Hey @CJoy
Thanks for your feedback, I can definitely see the benefits of users being able to set weekly budgets.
Quick questions: When you say yearly committed spending to monthly amounts, how does your friend budget for the year? Does she look at her salary and then set herself budgets based on this monthly?
I asked her to explain further to make sure I answered correctly and here is what she said:
“I figure out in each of my categories/bills how much I need for the whole year and divide it by how many paychecks I will get. I then have it set up so that each pay period I put aside that amount for each of my annual bills. For example, I pay $1800 a year on property taxes. I get 26 paychecks a year. So each paycheck I set aside around $68.23 so that when I get the large bill, the money is already there. Goodbudget shows this in their version of the committed spend section so that I know I can’t spend that amount. I spend my money based on what has been set aside in those categories, not how much is in my checking account.”
Hopefully that makes sense. Sorry for it being long winded.
Totally makes sense, yes someone else was asking for this the other day. So you would want Emma to track your yearly spending and work out how much you need to save each month in order to pay at the end of the year.
I like a long winded message, very well explained haha!
Thanks @CJoy
Does anyone here use cleo?
I don’t find the chatbot very useful.
If you use it, how do you use it?
I’ve never tried it because I don’t like chatbot interfaces. I prefer functions & features having fixed positions in lists/menus/tabs.
yeah I found that the chat is pushed as the main feature and because I don’t find it works that well it put me off looking at the rest!
That being said I thought the on boarding was quite good and funny when you first download
That’s the Facebook Messenger bot, right? I don’t use Facebook, so I would defintely not use. this.
I didn’t think it was related to facebook?
You would have to connect the chat bot to your Facebook Messenger account, so I would say it is tied to Facebook.
Lol that just shows how unaware I am about these things. I am sure they must lose users because of this then.