If you haven't noticed yet, then I ask you to pay attention to the fact that the service «4 envelopes», which I recommended as a tool for monitoring and planning your financial happiness, has been updated, and you can take a look at the second version. I myself have paid attention to this service since the appearance of the public beta. I won't say that I immediately abandoned other methods of managing my finances, but after 3-4 months I abandoned double-entry bookkeeping in favor of envelopes. And that's why…
«4 Envelopes» gave me the opportunity to plan my finances and not worry too much about keeping track of turnover. In fact, taking into account the reasons for all expenses is rarely useful, unless there is an overspend, of course. In the latter case, the «spending profile may come in handy. But «4 Envelopes», if you trust them, will allow you not to overdo it.
Working with the service is based on using tabs that carry different loads: you have to define goals and plan them, you have to determine regular expenses and put them in the calendar, and then you can safely spend what you get, but only freedom is limited to the amount in the envelope. In addition, the system gives tips on pressing issues, and the most urgent in our difficult times is the reserve fund. Unaccustomed to the concept of envelopes and the way of entering expenses scared off many women I know. They are not so technical and for them the input system looked illogical. But in the second version, the situation with this has clearly improved.
What do I think is the most important thing about service changes? Naturally, the — tab «Execution », which now allows you to see the week in the palm of your hand and spend and save money in one click. Hints in the form of already prepared expenses will not allow you to confuse the payment day: it is supposed to be postponed to the goal, be kind to postpone or reschedule. Yes, you can transfer spending or replenishment to another date, and the system tracks this and you see where, in fact, another line of expenditure came from.
I like the explicit and clear separation of planning and execution. But I can't say that I am frankly pleased with the interface of the system. In my opinion, it is overloaded, despite the fact that executed payments are shaded in gray. In my opinion, they are a little «noisy ». But the service team, as well as the curator of the project, Max Krainov, follow the reviews and comments, and I think the service will continue to develop successfully.
I recommend.
