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.
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.