Fund an Envelope
How to allocate money from "To Be Budgeted" into an envelope.
Fund an Envelope
Funding (also called allocating) is how you assign money to an envelope. It’s a planning step: it moves money from your budget’s To Be Budgeted pool into a specific category, without anything actually being spent yet.
How Funding Works
Every budget has a To Be Budgeted balance made up of income you haven’t assigned anywhere yet. Funding an envelope reduces To Be Budgeted and increases that envelope’s allocated amount by the same figure. You can fund an envelope as often as you like: once a month, once a paycheck, or whenever you have new money to assign.
Steps
- Open the Envelopes page and find the envelope you want to fund.
- Select Modify on that envelope.
- Update the allocated amount to the new total you want it to hold (not the amount you’re adding; the field is the envelope’s full allocated balance).
- Select Save.
The envelope’s remaining balance updates immediately based on the new allocated amount and whatever has already been spent against it.
Notes
- Moniqo won’t let you drop an envelope’s allocated amount below what’s already been spent against it. You’ll need to reduce spending (or move the envelope’s transactions elsewhere) before you can lower its allocation past that point.
- There’s no separate “add funds” button distinct from Modify. Funding and adjusting an envelope’s allocation are the same action, just applied at different times.
Tips
- Fund envelopes right after you get paid, so every dollar has a home before you’re tempted to spend it without a plan.
- For irregular or annual costs (insurance, gifts, vehicle maintenance), set up a sinking fund: allocate a small amount to a dedicated envelope every time you fund your budget, so the lump sum doesn’t blow up your plan when it arrives. Because envelope balances persist rather than reset monthly (see Understanding Envelope Budgeting), this works naturally: the envelope just keeps growing until you need it.
- If you consistently over-fund an envelope, moving that surplus into an underfunded one is often better than leaving it idle. See Move Money Between Envelopes.
Related Pages
Next Steps
Once your envelopes are funded, see Spend from an Envelope to understand how recording transactions reduces their balances.