I found three other posts requesting this, but they were from back in 2019; so I thought it was worth raising again.
I want to be able to to tick a box next to a budget item to say whether that budget should roll unused spending from it into next month’s budget for that item, or not. So, if I have a £30 budget for something and I only spend £20 on it, then next month the budget for that will be £40. Simples.
I’d want this behaviour for some things and not others, so it needs some kind of toggle to turn it on and off. It should probably be off by default.
The main reason that I want this is because we have a proliferation of pots for things that are not really pot things at the moment. For example, household maintenance purchases. So, say I spend £50 per month on maintenance on average throughout the year. This is not a constant monthly amount. Some months I might only replace a light-bulb, other months I might redecorate a whole room. The current budget mechanism doesn’t allow for that.
I could (and do) make a pot for it. However, there’s no defined savings goal here. This isn’t some item or project that I’m saving for; it’s an ongoing bill, just not a consistent one. So, if I make a pot, now I have to start moving money about every time I buy a paint brush or something. This is a pain. I just want something to make sure I’m roughly on target across the year. Rolling budgets over from one month to the next would do this.
Now, there’s a problem with this because now money might start piling up in my account and I don’t want that. So that brings me to the second part: linking budgets to a pot.
There’s some kind of button, or option, or something, next to the budget item that allows me to create a pot for, or link a pot to that item. Now, when I transfer money to that pot it comes off the respective budget.
To simplify things further, I’d also like a “skim” option on the budget. This would take the budget back down to the initial value by transferring the money to the relevant, linked pot.
With these two features (budget rollover & budget-pot linkage) I wouldn’t have to do most of the moving to and from pots all the time.
Also, if I could create my own budget categories, then that would be just super as well…