Your future planner allows you to track the cashflow of one or more of your current accounts.
To help you get started, we've supplied a wizard to help you add your first predictions.
If you have more than one account designated as a current account, you will first be asked to choose an account to run the wizard on.
The wizard will then suggest some transactions that you might want to use as the basis of predictions. The 'Add all?' button will toggle all predictions on and off.
The cog icon allows you to adjust the prediction. It's easy to edit and delete predictions later so you don't have to worry too much at this stage.
Once you click proceed you will see either the calendar view or the graph view:
Getting started tips
Once you’ve gone through the wizard, selecting your main account and the recurring transactions you want to add to your plan as ongoing predictions:
Think about what regular stuff might be missing. Were there any recurring transactions we didn’t pick up? You can check, by clicking on ‘Last 30 days transactions,’ which shows you transactions that actually happened on that account recently, giving you an idea of other predictions you may want to add.
Add in some ‘one-offs’. You might want to add in a prediction for a night-out you know you’re going on soon, a special purchase, a holiday etc. You can add new predictions, both recurring and single by clicking in the main area of any day cell in the calendar.
What about stuff like groceries?
Some areas of your financial life might not be so regimented as your direct debits and salary. Perhaps you spend a rough amount on e.g. groceries every month, but the spending doesn’t actually happen on specific days of the month every time.
It’s still worth putting some best-guesses in. Remember, if a prediction doesn’t come to pass when you expected, you can always drag it from the past into the future.
Most people have a 'critical point' in the month / week where their balance will be lowest, usually before their payday. The important thing is not the specific days or amounts of when or how much you spend on groceries, but how much in total you spend on groceries before payday.
Therefore, add a predicted transaction for the full £120 on the day before payday. As the month/week proceeds and you spend money on groceries, you can edit this prediction; reduce the amount each time you make a groceries spend, so that it continually reflects how much you expect to spend on groceries for the rest of the month. (You can refer to the 'Last 30 days' pop to remind you of what you've actually spent.)
Things don’t always turn out how you’d planned; you can easily keep an eye on your actual financial activity versus what you’d planned for: to remind you of your recent actual transactions open the ‘Last 30 days transactions’ pop; you can then quickly compare what actually happened versus your predictions and then make adjustments to your predictions as required.
Getting the wizard back
Want to start again?
Delete all your predicted transactions from all accounts; then refresh the page / navigate away from the future planner and back again. You should get the wizard again.