Update on EveryDollar: so far, it's not SO bad putting in all my transactions, since they're all on credit cards and there's always a record. One of my budget items is "cash for secret spending" because I am refusing to keep track of anything I spend cash on. I'm also not spending cash on anything right now; usually my cash ends up being secreted away in a stash I have for extremely emergent emergencies, or I hand some to my mom and say, "Can you please pick up my prescriptions," or, most often, I pay the person who cuts my hair in cash. Obviously I haven't had a haircut since March. Anyway. It's still an item and I like to withdraw the cash to have/for emergencies/for my stash, and it doesn't get counted in EveryDollar outside of that!
I have come in under budget this month, so I think I'll take the remainder, according to EveryDollar's numbers, and sock it away in savings. The great thing is that it starts over every month and DOESN'T link to my accounts, so on May 29, I can say, looks like I have X amount of money left this month, I'll just move it over, and I can do that without telling EveryDollar or painstakingly inching down amounts in every category and increasing the budgeted amount in savings, and EveryDollar doesn't care in June. In June, EveryDollar only cares about how much I bring in and how much goes out.
I wonder what going over looks like in EveryDollar. Obviously if I had an emergency, I could move money from my emergency fund, count it as some form of income, and keep everything balanced. But I just have extra money floating in my checking account right now that's not committed to anything. I could buy a bunch of extra things right now and not TECHNICALLY take a hit.
(One of my secret dreams is to get enough money in my checking account to cover the low monthly fee with the interest I receive. No idea how much that is. I can do the math. I'll figure it out one day. It's not an unattainable dream; I bank with a credit union.)
