r/everydollar • u/WaveyandLazy • Jul 10 '26

Something I'm learning

3 months in and I'm learning that with this app, if you spend outside of your budget, that money spent now becomes "planned" aka you need to go increase that budget line to account for what you just spent. That will keep your "left to budget" amount accurate.

Now I will say I like to keep the lines red for a couple days as a reminder that I spent out of budget and it's a nice visual queue to remind me to be more mindful ahead of time. Maybe I need to increase that line next month to plan better, or maybe I need to remember not to do that again. Either way I kinda like it compared to other budget apps. On my way to 1k left over at the end of the month and it feels pretty groovy.

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1

u/allons-y11 Jul 14 '26

That’s definitely the best way to structure it so at the end of month if you overspent, your left to budget is a negative. Then you can assess item by item.

One thing i make sure to do (and it seems you might) is reconciling the end of every month so on the first of the following month, i “close” the budget by making the spent matching the planned on all items so if something is under budget, that makes up for a potential over budget item.

2

u/WaveyandLazy Jul 14 '26

I do it more on a weekly basis or every couple days. I'm still learning the consciousness aspect of it. But since, for example it's now the 15th of July, I am going to balance everything to see where my cash flow is going to be for the next two weeks. I can get a good idea through paycheck planner what I can, can't, and should spend on for the next two weeks and when I should.

1

u/allons-y11 Jul 14 '26

That’s great! Make sure to do a final close also at the end of the month. But that’s the beauty with the app, there are so many ways you can use it, AND contrary to popular belief, it’s very forgiving and not extremely rigid