Envelopes

[Paedagogus]

Personally, I like the envelope metaphor. It's simple and intuitive,
and has been proven by the commercial online application, mVelopes
(mvelopes.com). If you haven't seen it, I recommend checking out the
free trial for some ideas with regard to usability, how spending plans
are associated with envelopes, etc.

[wsny...@gmail.com]

Thanks for the feedback! Yes, I have seen mvelopes. One of my favorite
financial sites (crown.org) endorses it. MoneyWell for OS X also uses
that concept. The envelope metaphor is a good one and CashForward will
implement this with 'labels', much akin to how gmail does it.