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About the application:

View our site for full tool info, Demo Videos, Testimonials, Card Fees, etc. "A budget is not just a collection of numbers, but an expression of our values and aspirations." - Jacob Lew We at ProActive Budget are passionate about life and wish to receive the most out of it! Cash is important to achieving certain aspirations, but it shouldn't necessarily prevent us from reaching those goals either. We trust that one key to a healthy and prosperous financial life (and really just a healthy life in general) is a awesome budget. ProActive Budget is an ever-growing set of budgeting programs. ProActive is founded on the principles of Money Envelope Budgeting—one of the most successful and proven systems for centuries. But in today's globe, carrying around envelopes of money is not only impractical, but it's unsafe! And it doesn't work well for online shopping. ————————————————— So how does ProActive Budget work? ————————————————— 1. When you make an acc with us, we make a bank acc for you behind the scenes 2. We send you a Visa debit card that is controlled through the app 3. Connect an external acc and deposit funds into your ProActive acc from that account 4. Distribute your funds into your categories 5. Tap a category to spend 6. Cash is instantly transferred from that category onto your card (If you didn't tap "Spend" on a category and swiped your card, it would decline, forcing you to look at your budget and decide where the cash comes from.) 7. Swipe your card to spend from the active category 8. The remainder makes its method back into your category and the card returns to a zero balance ———————————————— ProActive VS something like Mint? ———————————————— • The best time to budget is before you spend, not after a weekly report comes. ProActive forces you to look at your budget every time you spend. • Fully-automated budgeting systems give you a false sense of safety. Budgeting is a disciplinary skill—you wouldn't send a mate to the gym to workout for you, would you? • ProActive acts as a bank and a budget, not just a ledger. If you can't afford a purchase from an active category, the "bank" portion of ProActive will decline the purchase. (No overdrafts!) Of course, you can transfer cash between categories, but at that point, you're deliberately altering your plans. ———————————————— FAQs ———————————————— Q: "What happens if I don't activate a category before I swipe my card?" A: Nothing! The transaction will decline and you won't be charged an overdraft. It might sound odd at first, but that's the real power of ProActive. Q: "What if I don't have my smartphone with me?" A: Well you can activate a category ahead of time (if going phoneless was planned) and it will stay active for 30 mins. Or! We suggest bringing a backup card with you, like a credit card or other debit card. Q: "Speaking of credit cards, what if I wish to hold using mine for the rewards?" A: Go right ahead! At some point, we're planning on adding an aggregation program to ProActive so you can use whichever card you prefer and see those transactions in your acc feed, too. Q: "What about shared accounts?" A: Glad you asked! You'll have to share a single login for now. We're working on a full shared acc system and hope to have that ready soon. For now, check out this page to order a partner card https://proactivebudget.typeform.com/to/QwTtJj Q: "So I need to deposit cash into a ProActive bank account?" A: That's right. You can connect your existing bank acc and transfer cash between it and ProActive. William Feather once said, "A budget tells us what we can't afford, but it doesn't hold us from buying it." That was real until we came around. It pays to be ProActive!