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The thing that really kills me with actual budget instead of firefly philosophy differences is that a "budget per month" app needs to have some flexibility with dates and categorization which I don't find in actual budget. At the very least, setting a different "beginning of the month".
I get paid on the 27th-30th of the month, that is my budget for the following month but according to actual budget, that is my budget for the month of money I have already spent. Likewise with bills, I transfer money to an account where all the bills automatically come out of after I get my paycheck, but those are bills coming out of the budget for the following month.
You can't budget with money you don't have yet... Especially for people with variable salaries (Belgium pays money for the days you bike to work, getting expenses paid back, etc...)
If I transfer my bills money on the 1st of the month (last possible day) and then before the 1st of the month the next month, then all metrics and budgeting for 2 months are fucked up and inaccurate with no way to fix it.
I also get paid near the end of the month, the way I handle it in Actual is I budget at the beginning of the month with the money I have at that point. When the salary comes in, I click on the now non-zero unbudgeted amount and select "Hold for next month", which moves the amount to the next month for budgeting purposes (the transaction keeps the correct date). It is an extra step, but I have two jobs, both of which pay on different dates, which also vary with weekends and holidays, so I don't think there is a better way in my case.
Actually, I just had a look at the docs and it seems the holding for next month can be toggled to be automatic. Will have to try that https://actualbudget.org/docs/budgeting/#automatic-holding-of-funds
I switched the setting from “envelope budgeting” to “tracking budgeting” to address this. Budgeting based off what I anticipate making the following month. The Actual peeps will tell you that in envelope budgeting you should have enough money for the next month ahead of time so it’s working as designed. I get that, kinda, but tracking budgeting has just made more sense for me.