Beautiful! One small thing on the iPhone using Safari; it would be nice to have the clock vertically centered. Now it’s near the bottom half of the screen. Looking great otherwise!
Yes. If my running balance doesn’t match actual cash in my bank account, I just enter a correction and an in-line comment describing the cause of the discrepancy. However often I find I’m usually in the right ball park (my recurring expense patterns are very regular) so I rarely use that field.
Also I’m rarely off budget by a lot, partly because of the visibility this tool provides. My feedback loops are tighter due to monitoring.
You can also do what-if scenarios pretty easily, e.g. can I afford a vacation in Spain in a particular month without dipping under, how much of a raise do I need to ask for to hit a target, etc. You can play around with timing and amount.
A spreadsheet provides you with all the metaphors you need to do planning and budgeting efficiently. It’s a solved problem. It’s really hard to beat.
