I'm sure this has been covered already but I have to ask anyway.
Is there a way to carry budgets over the entire year instead of just over a single month? Examples are HOA Dues that are paid bi-yearly or storage garages that are paid yearly.
I understand it's simple enough to divide by 12 but that budget item goes unused for 5 or 11 months then we go overbudget for that 1 month.
For personal budgeting I'm a big fan of the envelope system and am trying to replicate it in quicken online.
I love the existing features in quicken and feel that's the only thing missing is accurate budgeting.
You should seriously investigate using an ING checking account if you havent already. As I understand it, they have sub-accounts you can create for your checking/savings that are meant for line items EXACTLY like this.
I have used several budgeting programs. It doesn't matter which account the money physically resides in, plus ING direct is a pain sometimes to update in Quicken Online.
There isn't a way to carry over unused monies in Quicken Online. That's how a true budgeting program works.. any unused monies rollover - and you can save it or add it to debt repayment.
