wish: the budget, a step further

[HelloTheWorld]

As I said before, I come from YNAB (You Need A Budget)
and I really, really believe in their approch to give every dollar a job.

No offense, but it's really a point that make me asking myself if I should, finally, go back to them. I think I should (...we could ?) find a workaround.
(with this idea of scene set up : https://www.youtube.com/watch?v=5cc_h5Ghuj4 )

I'll explain myself.

Actually, I build my budget. So I know where I spend my money.
BUT
- I don't know if I overshoot or undershoot my incomes,
- I don't know how to say "reserve this amount of available money for the unexpected event that will ruin your life or at least your account if you didn't save for it".
- More specifically, I saw that my total final balance were, slowly but but deadly, drifting, and have been divided by two in a year. Argh!

So I MUST be able to
A/ control that I don't over spend,
B/ allow some "saved money" in the budget that is not an expense... But a "saving". And as all my account are in Homebank, they are "internal transfert" so I can't catogorise them as "saving A" or "saving for rainy days".

It's more a "do you have any idea/proposition/plan about it ?" question than a wish ':-D

[David Adams (davidadams2)]

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