I’ve used mint for years now…and it’s been great as a way to track my spending. But it’s struggling in my efforts to really pin-down and categorize my habits.

Monthly spending is a no-brainer. It’s so easy to set aside a certain amount each month for rent, groceries, gas, internet/cell, etc.

But, incorporating spending that happens on less frequent bases obscures things. I have auto insurance that bills bi-annually…streaming costs that tend to fall annually (prime year-long promotions)…car maintenance, gift giving, clothing needs…which kind of just come at their own speed.

And then I have long-term goals like saving for a house or setting aside x-amount every month for a car replacement, should I need it…or for travel.

I’m just not sure how to properly visualize everything. I’ve recently taken my discretionary savings categories…and grouped them into a “discretionary savings” category for mint…while simultaneously splitting it all into buckets for ally (car savings, travel, gifts, home savings). But I’m not sure if it will pan out.

I’m a little overwhelmed with how to accurately take the next step in my saving/budgeting.