Adding myself to the list of folks who say this. I’m good with finances, but only looked backward at what I was spending, then made reasonable, gut-based decisions about what we could afford. We had a byzantine suite of accounts with which I wrestled monthly, transfer if from one account to another, writing everything out in tiny writing in a notebook then doing quarterly reports for myself. That’s to say, I put in a lot of work. But we didn’t get to the point of having extra money on hand, ever, and carried a fluctuating debt balance, always. I’m doing this app in a dedicated fashion, now, and I spend an hour or two a week keeping it up, revising my categories, and reviewing our expenses. I am failing at reconciling, but it’s a learning curve, and parenting two little people gobbles some goals.
We’ve been able to save up for a new fence, a new dish washer, and are saving to replacing our water heater. The dish washer and water heater were simple bad timing, not discretionary decisions. The fence we saved up for! We’re able to do all this without paying any financing. It’d be killing us, a year ago, to have that all happen in 3 months time. And I’m really happy to have simplified how we manage our money. What a relief. Thank you, this app!!!!