YNAB You Need A Budget

[wnab]

I would like to see two budget types; mandatory & flexible.

My thought is that there are certain bills that have to be paid every month like the mortgage. I can't change that or I'm on the street. There are also bills that must be paid at less frequent intervals that I have to put the money away so I have it, like auto insurance.

There are the inbetweens like the utility bills that vary and I have set monthly based on the yearly cost. It is too tempting to take the extra out in the less expensive months. I would put these in the mandatory.

Then there is the rest, gift accounts, spending, entertainment dining. These are the accounts that get reduced when the income is less.

I could group them into separate category groups which would help me remember which I can fool with but I would really like the quick budgeting to handle the two types differently. I would like to quickfill the mandatory and then zero base budget the rest based on the amount available.