My rollover budget for travel is now $3000. I would like to take a trip. Do I have $3000 some place I'm not aware of. I know I haven't been able to save it.

I have been using Mint for 8 months and am still so frustrated by rollover accounts. They truly are meaningless. When I first learned of them, I thought, "Great, I can set a clothing budget for $200. If I want something that costs $500, i'll have to wait a couple of months and I can buy what I want."

But that's not true. Just because the rollover is $500, it doesn't mean I have $500.

Since the beginning, I've built semi-automated processes to track my performance, I create spreadsheets 6 times a month. They tell me how much i've spent versus how much I should have given the date. They also indicate how much I'll spend by the end of the month it I keep spending at this rate.

There tell me a whole lot more, as well. They also teach the rollover that's built up over the last 8 months. I did not save nearly this amount so I cannot stand it. I have not even saved enough for a trip for my wife and  I but we did pay off our credit card bills.

Rollover sounds great. But Mint can't force you to put aside the rollover, And you can't put aside the rollover if you don't have it.

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