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Maybe I am just wired differently, but every budgeting program is just annoying at best. I get "scolded" because I went over my $40 clothing budget budget becau

Maybe I am just wired differently, but every budgeting program is just annoying at best. I get "scolded" because I went over my $40 clothing budget budget because I bought a coat or a suit, or took advantage of a sale. I don't buy clothes one pair of socks at a time per month, I take advantage of good sales and every few years I need a suit. One way to potentially solve this is to "roll over" any excess from month to month. Even worse is these auto-budgets that try to take your previous 12 months of spending and use that as your future budget guideline. Thanks for telling me I have a $5/month starbucks budget, since on average I take out a coworker for coffee about that much (and again, one month I might take out 2 coworkers, and now I get an alert that I am over budget!). I guess in general I am quite cheap, I don't need the "discipline" of being told how much I should spend in a month on things. If you don't have the self control to not spend too much on discretionary things like clothing or entertainment, I am not sure setting a budget is really going to help.

tusharsoni 7y ago
Trust me, it's not just you. That is exactly why I couldn't use any of the budgeting apps. I'm an adult and I don't want to be told by an app where I can spend my money. Funded takes an "anti-budgeting" approach. You only set up your obligations and savings. You're left with discretionary spending that rolls over every paycheck and you can spend it on whatever you want. Not tracked and not budgeted. Lmk what you think!
sct202 7y ago
I condensed most of my budget categories just to check if my total monthly spending is normal bounds and nothing unusual is happening.
pfranz 7y ago
It sounds like you aren't looking for budgeting and just want to see categories over time (which is mostly what I want and seems like a lot of people here). However, if you are interested in budgeting, one solution is what YNAB does. You can have an expense and carry it over between months. For example, if you have a utility that's due by-monthly you can budget half every month. Or if property taxes are due twice a year, do the same. For some reason a lot of budgeting tools fail miserably at this.

tusharsoni 7y ago

Trust me, it's not just you. That is exactly why I couldn't use any of the budgeting apps. I'm an adult and I don't want to be told by an app where I can spend my money. Funded takes an "anti-budgeting" approach. You only set up your obligations and savings. You're left with discretionary spending that rolls over every paycheck and you can spend it on whatever you want. Not tracked and not budgeted. Lmk what you think!

sct202 7y ago

I condensed most of my budget categories just to check if my total monthly spending is normal bounds and nothing unusual is happening.

pfranz 7y ago

It sounds like you aren't looking for budgeting and just want to see categories over time (which is mostly what I want and seems like a lot of people here). However, if you are interested in budgeting, one solution is what YNAB does. You can have an expense and carry it over between months. For example, if you have a utility that's due by-monthly you can budget half every month. Or if property taxes are due twice a year, do the same. For some reason a lot of budgeting tools fail miserably at this.