I’ve recently started using Emma with my partner to try and manage our budget. We buy a lot of things together, for which groups could be ideal, but the way they seem to work is frustrating for this use case right now. At least for us, we don’t use budgeting apps everyday, it’s more of a once a week reconciliation activity, which makes the app so hard to use.
When adding from the transaction view, why does the amount and reference get dropped when adding it to a group? I’d love for the amount to default to a percentage or slider of the original value (or at least autofill the original value). Similarly, if the transaction reference could be copied across, it would be a big time save.
Further, there doesn’t seem a way to actually settle up? It shows how much is owed on the app, but doesn’t provide a way to actually pay the person as far as I can tell.
Added to this, the payment method should allow you to add the bills added to the group to your budget areas, so that they also reflect there.
Right now, the guides I can find suggest using the ‘Share Payment’ feature, then sending that request, and then reclassifying the payment when I receive it to the correct (original) category. But, that seems entirely useless too, because the payment request my partner receives doesn’t have any information beyond I request x amount (no transaction reference information appears to be present). That makes it difficult for them to know what they’re paying for, and which budget area to assign it too. Combine that with the payment then comes through with no information on my side too, and budgeting becomes a mess of which payment is which budget on both sides.
This all makes Emma really hard to justify for us currently, as we split almost every expense, and have separate accounts - so any budgeting app we would use would have to be able to accommodate that. Unfortunately, I didn’t realise I’d previously used the trial, so it seems I’ve lost more money trying to save some paying for a years subscription. A real shame this functionality isn’t all that was promised on the marketing materials.