Why don budgeting, cash flow projection and debt reduction planner produce sane results?
A18): There could be a number of factors here: 1) Budget picks up some value from DRP and declares it in your budget. The value from DRP is calculated who knows how, but it can be off-the-wall sometimes. 2) Budget says that all scheduled income and expense are, by definition, budgeted income and expense. So, if you have an unplanned income or expense scheduled, it will distort your entire budget. 3) Budget ignores the first due date of a future expense that is a scheduled income or expense. (E.g., if you have scheduled next year’s IRA contribution separately from this year’s, Money will put both contributions in your monthly budget now.) 4) DRP assumes that any account in plan will never be used once paid off. For this reason, if you are a “convenience user” of your credit cards, it is almost worthless. (I.e., if you continue to charge new expenses and pay the bill off every month and do not incur interest charges.) 5) Money makes some assumptions about which account will be used for b
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