I have used YNAB and one thing I really liked about them is their budgeting method. Where every single penny I receive, allocated to budgeting category when I receive that money rather than weekly, monthly etc. after using it for few years I realized that it help a lot in exactly knowing where I stands. If one pool of money doesn’t have balance, I can’t spend from that category and I need to get some from other category or wait until next pay cheque. It gives me immense confident on what I can spend and save.
Obviously using two separate App is pain if I want to use Emma as my only app how can I make using of that budgeting style in Emma. Like I have categories with its pool of money I saved for those. If I enter them as budget for current month it’s changing the budget amount of every month to that amount and if I change back to regular budget amount next month it might remove previous balance I saved for that category so what’s the best way to handle this.
Example: I have 5000 saved for travel upto now if I change the travel budgeting category amount to 5000 in Emma. With rolling over I might see 5000 balance next month but it will try to allocate another 5000 next month from my income which is not the intention so I have to change the budget again to let’s say 500, this will make all my all rolling over to 0 if I am not wrong which should not be the case.
From that I feel that apart from having weekly, monthly etc budging method Emma should also have ad hoc method where on top of monthly I can also add balance to that category whenever I want.