I think a lot of people are missing the core of Simple. It's the "Safe to Spend" Idea. I've used simple for the past 8 months and it's helped me get into an even better mindset about saving/allotting money. I used to bank with PNC and use their budgeting tools but the safe to spend idea is just that; money you are free to use.
EDIT: For added perspective I'm an early twenties recent college grad.
Just the other day I realized that I had a credit card payment due and it was slightly higher than I expected (Holiday Spending) and I went into a minor panic as I was a little frazzled in paying it. I logged into simple and that's when I realized that I created a goal that was my credit card limit. This meant over the past month I had already slowly been paying down the bill without even realizing it. Everyday a small portion of my safe to spend was put into that goal. I made the payment without even "rebudgeting". That was a great feeling. I'm living well within my means but I feel like I have more money than ever. Simple makes it easy to keep yourself in check. I have a few items I plan on purchasing in the near future and I just created a few goals so that when the time comes I'll already have paid for it.
Lastly, the at a glance view of your finances without much ado is GREAT. I have an automatically generated daily average income/spending for the day/week/month/year averaged over various periods. I have graphs that show me how my funds have fluctuated and I'm starting to see some patterns in my spending habits. I've haven't banked like this before and I'm excited to see where else they can help.
EDIT: For added perspective I'm an early twenties recent college grad.
Just the other day I realized that I had a credit card payment due and it was slightly higher than I expected (Holiday Spending) and I went into a minor panic as I was a little frazzled in paying it. I logged into simple and that's when I realized that I created a goal that was my credit card limit. This meant over the past month I had already slowly been paying down the bill without even realizing it. Everyday a small portion of my safe to spend was put into that goal. I made the payment without even "rebudgeting". That was a great feeling. I'm living well within my means but I feel like I have more money than ever. Simple makes it easy to keep yourself in check. I have a few items I plan on purchasing in the near future and I just created a few goals so that when the time comes I'll already have paid for it.
Lastly, the at a glance view of your finances without much ado is GREAT. I have an automatically generated daily average income/spending for the day/week/month/year averaged over various periods. I have graphs that show me how my funds have fluctuated and I'm starting to see some patterns in my spending habits. I've haven't banked like this before and I'm excited to see where else they can help.