Ok, so to all the folks that show up and participate in these
conversations, I thank you.  I've been using the app since about
October, and I think I'm finally where I need to be to use it
wisely.

I am seeing the light at the end of the tunnel...the tunnel that is a
doctorate program where I paid oodles of money for my education/
training (clinical psychology), made zero dollars for many years, my
wife's profession doesn't exactly heap money on her, and debt reared
it's ugly
head.  Now I'm on my pre-doc internship making a bit of money (still
doesn't cover daycare for 2 lovely boys...and it will just cover it
next year on post-doc) and we're getting close to not being in the red
on a monthly basis.  But we will be unfortunately.  We've cut as much
as we can, and
this too shall pass.

I do get student loan money, and I just received my last check.  This
is what we fall back on monthly to even things out - regular expenses,
credit card debt, etc.

So, now that we've moved for my Internship, gotten settled in, and our
expenses are evening out a bit, I'd like to "start over" in terms of
my expense buckets.  There's lots of red, and now we know where our
"fill" lines really need to be in this [expensive] part of the
country, we need to keep within these limits, but it would feel much
better to not see past red.  How do I do this?

I've looked at Change Cash Flow Start Date a bit, but the income
buckets got all wacky.  I saw a post that might have addressed this,
but I wasn't sure it applied to my situation.  I have my real-time
balance for my checking account, credit cards, and savings account
right now.  I also haven't yet allocated all of the student loan money
yet, so that should be alive in that income bucket (Student Loan).
I'd rather not allocate it now as it's more of a fallback even though
I know I'll need to use it monthly.

Thanks so much!
Jason

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