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I only wish there was a gradual payment option - for example, I have envelopes for Saving, Investing and Rent, all of which are emptied on the first day of every month - this makes it look like I've overspent when I review the monthly budget, but in fact I haven't. It would be cool if I could either exclude these envelopes from the overall budget, or set up a way to have those payments considered incrementally each day without having to set up 30 separate payments for every envelope.