Best Of

I created an Excel reconciliation. It is simple, but helps me to make sure all money is accounted for. On one side I have the assets and liabilities from Simplifi. On another I have the bank balances. I also have a section for savings goals. I then reconcile all savings goals, rollover spending, and current liabilities and compare to assets. It doesn't exactly account for it in Simplifi, but I then know that that money in my checking is for rollover spending and it works itself out.

I hope this helps. Maybe someday I will be able to do everything in Simplifi. They do keep improving.

@DannyB

I think the main difference between us is that I often refer to past Spending Plans to see how I did and to help reset my expectations for future Spending Plans. I know I could get similar information from Reports, but I do most of my financial work in Spending Plan so it's easier for me to compare apples to apples.

This works for me because I don't actually "do" anything with the "Left at end of month" funds — meaning I don't put it in a different account or contribute it to a SG or anything like that. Instead, I just look back over the months in Spending Plan to see how much excess (or occassional loss) I had.