[DLarsen]

Good point. This is absolutely essential.

In some circles I've described it as "a money tracking tool built for couples" and that's true. This all emerged from a chart my wife and I had been using on our fridge. We wanted to address the decision making progress as a couple and not beat ourselves up over specific failures (impulsive spending, false bargains, etc), but try to improve our process for budgeting and spending money.