I'm looking for a tool that will let me setup money workflows for various budgets. The basic idea is to have all of our money flow to one account and then pipeline the rest of the money into predefined several buckets. The goal is twofold: first to be able to accurately forecast our financial goals and second to limit spending in various categories (the stricter the better)
So far I've tried a couple of things. I've used Mint for a long time and like it for retroactive reports of our spending, but I find it flaky and wish it could influence our spending proactively (e.g. limit spending in categories)
I also tried using Simple which I liked for the fact that it let you split up your goals making the long-term planning much easier and more tangible (e.g. we could setup complex scenarios and say things like "we'll have enough for a trip to Japan in 8 months"). I found it unintuitive to use though and found it limiting when it came to making deposits and transfers
Are there any other tools I should check out? I'm about to just open up a few additional bank accounts using recurring transfers to setup a workflow then split up our credit cards amongst them using some macro-level tool (like Mint) to monitor everything, but if there's a less crazy way to do this then I'd love to look into it
Submitted April 29, 2019 at 09:27AM by jb3689 http://bit.ly/2V13Pue
