• 4 Posts
  • 25 Comments
Joined 1 year ago
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Cake day: June 13th, 2023

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  • I don’t think one takes into account investment accounts with envelope budgeting, if I’m not wrong. All the accounts in this kind of budgeting should be involved in the budget, to be money that is to be assigned. “Give every dollar a job” kind of style. Money in investment accounts is for the most part saving for savings sake. But I guess people can assign that kind of money as well, e.g. “this is money that I’m investing to be able to buy a house in 5 years”. I’m not an expert on this so you could look up how YNAB does it, or if Actual has any docs on this.




















  • Absolutely. I constantly revisit the services I subscribe to, but to be honest, I still keep some streaming services on a constant subscription even though my viewing patterns differ from month to month. In that case I’m just too lazy, and it’s not a huge hit to my disposable income. I pay for it to be available when I want to use them. I think this might be the case for many others, and coupled with not having a budget and/or financial sense, this can definitely add up for many. I also think many people just forget what services they are subscribed too, and barely even watch their bank account/credit card slip and what’s being withdrawn.