As a result, my wife and I refinanced our home, we reduced our utility bills by cutting electricity and water usage, and we switched cell phone carriers. I really want to make this work like we are using Mvelopes and I hope it can, I just may not be understanding how exactly to do  it. Instead of using cash and paper envelopes, users are able to use digital envelopes and their debit card. I’ve been using Mvelopes.com off-and-on for the last two years, but I’ll confess that I haven’t been so good about it for the last twelve months or so. You Need a Budget (YNAB) $84 per year: Helps you to build or grow emergency savings: Mint: Free: Provides investment tracking and debt payoff plans: Trim: Free: Provides for automated savings with a 1.5% annual reward on your balance: Mvelopes: $60 to $590 per year, depending on the plan selected: Offers a personal financial trainer on premium plans https://www.youneedabudget.com/the-four-rules/. 14 videos Play all Mvelopes Tutorials Mvelopes YNAB vs EveryDollar 2019: The Primary Difference (14 Little Differences Too) - Duration: 11:42. Do I have to manually adjust those amounts to equal my goals? So at the beginning of March, will my available balances roll over? For example, if you have a category with a monthly goal of $100, and you spent $75 in October, when you use the underfunded option to fund your categories in November, YNAB will fund the difference of $25. Goodbudget, which started out as Easy Envelope Budget Aid (EEBA), is a digital envelope budget system app that was started by Dayspring Technologies back in 2009.This was the first app that we used to track our budget throughout the month (we’re still using it now), and we even wrote a review about it.Goodbudget has a web portal and apps for Android & Apple devices. The equivalent to this in YNAB is setting a monthly goal for each category. When you sign in, your new transactions will automatically appear to be ready to drop into the correct category. But there are other old-school style tools, too, including YNAB (which stands for You Need a Budget) that are better. when it's actually March 1), any available balance in any category will rollover. In YNAB, I still assign it to a category for reimbursable expenses, but I fund the overspending with money from savings (again, the money has to come from somewhere until you get reimbursed). Mainly because at first it said I had a much larger number than I thought I had and no idea why. Comparing YNAB vs EveryDollar (2019) is certainly confusing esp. The app has developed a strong following thanks to its innovative method to budgeting your finances. The trick to this is that you must wait until the next month starts so YNAB can finalize the amount of money spent in the previous month. Sorry, this is less about keeping the old model from Mvelopes and more about being able to manage the budget from the phone. Sure, which is precisely the point -- to replace the cash so it's available to handle the next reimbursement. Thanks for the input! I hope that others who are looking to switch from Mvelopes to YNAB finds this information helpful. The menu at the top of that page also gives you options to do things like take video courses, sign up for a live webinar, or view 5-20 minute quick start videos to get you going. 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