Methods
Pay yourself first (manual tracker)
Fund savings goals before discretionary spend.
Fund savings goals before discretionary spend.
Not financial advice
This explains a popular framework and how to approximate it with manual categories, wallets, and budgets in Expense Trail—not personalized advice.
The method (brief)
Move money to savings (goal or wallet) first, then live on the remainder.
Map to Expense Trail
Create a savings goal and/or transfer to Savings wallet on payday via scheduled income + transfer.
Scheduled income on payday.
Immediate transfer to Savings wallet or goal contribution.
Budget remaining categories on what is left.
Track in Reports monthly.