To effectively manage a budget, i have to be able to look at the budget DAILY and see that I am on track. This is not feasible now because major purchases unnecessarily throw me off budget. For example, if I buy today a $5,000 family getaway including airline tickets and hotels, and the trip is scheduled to occur next year, I’d like to be able to spread the $5,000 across the specific days of the trip. Similarly, if I buy a sofa or a new iPhone, or a car(!). I now have this major purchase that unnecessarily throws me off my monthly, and possibly annual budget. If I could spread the expense across its lifetime, that problem goes away. This would enable me to look at the budget daily, and see how I’m doing. Specifically, what I need is: in the budget view the ability to set an accrual schedule for a transaction - when does it start, and across what period to spread it. This feature already exists for Cash transactions. All Spendee needs to do is enable this logic in the Budget view. So I spread the iPhone across, say, 4 years. And I spread the getaway package across 2 weeks, starting on the first day of my getaway.
Thank you for your detailed feedback. We understand how important it is to manage budgets effectively, especially with large purchases. Your suggestion for an accrual schedule is valuable, and we'll share it with our development team for consideration. If you have more ideas, feel free to reach out at hello@spendee.com.