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almost 9 years ago from Ari Sawyers
I am fully aware of that, I was specifically talking about the ones I have a rollover budget for. Have you ever overspent one month and for the next 5 months it tells you you're still over budget because it rolls over? Sometimes I want to know how did THAT MONTH underspending and staying within my budget. I could set it to not roll over, but I want to be aware of how past months should affect current spending... I just also want to see how I did that month.
Also, if you notice, I started out by saying Mint was too passive. So yes, a spreadsheet is necessary for me to engage more with my finances.
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In Mint you can set goals - e.g. a maximum budget for lunch per month. You'll get notified when you're exceeding that budget and you can see nice progress bars on the app and on the web. So, you don't need a spreadsheet for that.