How do I move money between budgets?
I need to move money between budgets (like moving money between"envelopes" in the old fashioned "envelope method" of budgeting).
Heres one scenario: Lets say I set aside $100 a month for car maintenance and repair. Unexpectedly, I have a car repair that costs $1,500. As mint is set up now, assuming I have a rolling balance, the only solution would be not to spend a cent on car maintenance and repair for 15 months. But of course, thats unreasonable. So that money has to come out of other budgets. How does that happen? Do I split the transaction into every budget where I have some wiggle room until all my budgets are green? Obviously, that will really screw up my spending history. If I could simply move the extra money in other budgets to the repair budget (for that month only, or maybe just a couple of months) the problem would be solved.
Another scenario: I set aside $50/month for Christmas shopping. I also have a budget of $200/month for dinning out. But, over the course of the year I go over budget for dinning out by a total of $200. So when It comes time to spend my Christmas money, mint says my budget is $600 (because I haven't spent any money in that category). So I do. But that money wasn't there - I had spent $200 of it on dinning out. So in January when I got to register my cars, I don't have the cash. I have to dip into savings (or maybe even credit) because I unknowingly spent $200 of my registration money on Christmas presents. If I could have just moved money from the Christmas budget to the dinning out budget on the months I went over, the whole problem would have been avoided.
This problem is maddening for me. I honestly don't know how to make Mint budgets work when there is an unexpected expense. I must be a dunce, or else everyone else that uses Mint budgets never has unexpected expenses or goes over budget.