Goodbudget

Both partners install the app.

Log in to the same Plus account.

Enter transactions as they happen.

Check envelope balance before making a purchase.

Sync occurs automatically to update the other partner.

Create Debt Accounts for each liability.

Assign a monthly payment envelope.

Use the Debt Payoff report to visualize progress.

Apply 'extra' envelope funds to the smallest balance.

Repeat until debt-free.

Download monthly CSV from bank.

Upload to Goodbudget Web.

Use the 'Import' tool to match transactions.

Verify balances manually.

Log out knowing credentials were never shared.

Create an 'Unallocated' envelope.

Deposit all income there.

Fill necessary envelopes (Rent, Food) first.

Keep the surplus for low-income months.

Monitor 'Income vs Spending' report.

Calculate total annual cost.

Divide by 12.

Create a 'More Envelope' with that monthly goal.

Automate a transfer to that envelope each month.

Spend from that envelope when the event occurs.

Set up a student account.

Assign a set number of envelopes for 'Food', 'Fun', and 'Books'.

Monitor spending via the shared account.

Discuss overspending based on real-time data.

Create a separate 'Business' account in Goodbudget.

Create business-specific envelopes (Supplies, Marketing).

Enter business expenses as they occur.

Export the 'Business' envelope report for tax season.