When I open the Envel app the screen says I have $65 guilt-free cash today.
If I click on the $65 it goes to a screen this says I have zero dollars today.
If I go to the my envelopes screen it shows that I have $6.31 in my cash envelope.
Now if I were to stop on the way home to buy a bag of dog food thinking I have $65 to spend it’s going to decline because there’s only $6.31 in cash.
Simple put the “safe to spend” balance front and center when you opened the app making it easy to check.
It’s embarrassing when you’re at a busy supermarket and your card declines on an inexpensive purchase. The Envel app is confusing at best with regard to how much money I can actually safely spend.
The sub envelopes that behave like unprotected goals on Simple cannot come soon enough.
I’ve had my card decline twice now in stores and multiple times from the toll road authority. When I’ve used all the money in my toll road account it goes and gets another $40. I have no idea which toll booth is going to hit the jackpot nor would I have time to reassign the debit card at 75 or 80 miles an hour. It’s the perfect example of an unplanned expense.
I was a Simple customer from the very beginning and I never had a payment decline because I always had money in my savings goals. It was great and I’m confident that Envel can be as good or even better.