Definitely look forward to having an account with Simple soon.
'Safe to spend' balance is brilliant and is something I have to do manually in Excel by playing with numbers.
However, if I keep a zero-sum budget it would be nice to have multiple safe-to-spend balances. If I understand correctly[1], with Simple I can presumably just set non-bill budgets (eg. fuel, clothing, mini-savings, misc/blow) as bills or even goals to fake it. That way, 'safe to spend' will always be $0 (give or take) — in essence managing a virtual envelope system, making my personal finances much easier to handle than the current grunt work one has to endure.
'Safe to spend' balance is brilliant and is something I have to do manually in Excel by playing with numbers.
However, if I keep a zero-sum budget it would be nice to have multiple safe-to-spend balances. If I understand correctly[1], with Simple I can presumably just set non-bill budgets (eg. fuel, clothing, mini-savings, misc/blow) as bills or even goals to fake it. That way, 'safe to spend' will always be $0 (give or take) — in essence managing a virtual envelope system, making my personal finances much easier to handle than the current grunt work one has to endure.
[1] "Safe to Spend is your account balance minus what you've saved toward goals, minus pending contributions toward goals, minus pending bills in the current pay cycle." https://www.simple.com/blog/Saving/simple-budgeting-and-rain...