I’ll be honest, I’m having a hard time figuring out how much to put in my Bills envelope every paycheck because I recently opened a Petco Rewards Mastercard and have been using that as my main way to pay for things (I’ve already gotten $30 in Petco rewards in just 3 months of using it, so it’s clearly working well for me) and I’m trying to keep it paid off every month. I know I put a large amount in my AI setup to pay that, but this payday my entire paycheck went to my Bills envelope. Nothing to Cash, Emergency or Vault.
And yes, I know, I can try turning AI mode off and on again, but I really hate doing that because it always takes a ton out of my Emergency envelope and puts way too much into the Cash envelope (even though I’m not spending as much from Cash because of the credit card). That always makes me crazy because I put a bunch of money into the Emergency envelope because I don’t want to spend it and then when I redistribute it, I get the guy on the main screen and I’m like, “No, I’m not running out of money, I just put a bunch in Emergency so I don’t spend it. Stop making me feel bad for trying to be responsible!”
tl;dr; 3 complaints:
- My entire paycheck went to Bills, which is not right (though I do believe more needs to go to Bills than Cash for me, but not the entire paycheck)
- When I try to recalibrate the AI mode, it always takes a bunch of money out of Emergency when I originally put it there on purpose. That’s not what I want it to do.
- If I move money from Cash to a different envelope, I get shamed for “spending” too much money when moving money to a different envelope is a responsible thing to do. Stop shaming me for trying to be responsible!