Following the advice which YNABers gave me, I now use the notes feature to keep track of how much I should put aside each month for non-monthly expenses, vacation saving etc.
What I would now like to know is... how do you know what the money in your bank account is supposed to be for?
For example, let's say I earn $2,000 per month. $1,500 gets used on monthly expenses and $500 is contributed to a number of non-monthly expenses which I expect to happen. $100 gets set aside for 10 months in preparation for my $1,000 vacation and 5 installments have been made. And $400 gets put aside in preparation for my $4,000 car replacement and 3 installments have been made.
How can I know, by a single glance, that although I have $3,700 in my bank account, $2,000 is for this month's budget, $500 is savings for my vacation and $1,200 is savings for my car replacement?
Is this something I should be doing in Excel? Am I even making sense?