Mooch: Budget, Shop, Save 4+

Update to previous review: I want to love this app but the bugs and failed transfers are making it very difficult to continue to recommend it to people. Why can’t it just work? Knocking one star off my review for now. I’d love to add it back if the bugs get worked out.

This app has changed my financial life. I’ve never been able to budget and I also tend to spend more when there is any amount of excess money sitting in my bank account. Mooch has given me the tools to properly budget and it keeps my spending in check. For the first time in my life, I have savings goals set up that I am working toward every month. It was brilliant of them to not charge a subscription for this service, instead flipping that on its head and paying users bonuses. It makes sense and seems very fair, seeing as they will earn a little interest on money sitting in envelopes. I have recommended this app to several friends and here I am writing a review. You can say I’m a big fan.

Hello! Thank you for the kind words, we're glad Mooch is helping you out with your savings journey. The bonuses are a little extra incentive to keep going and build up your savings towards your goals. Stay tuned for more updates to come this year! :)

With each paycheck I have mooch automatically take the money out an allocate it to a certain expense or savings goal and then I know that whatever I have left in my checkings is left for me to spend. When a certain bill comes up I’m confident that mooch will have that money back in my account in time for me to make my payment. It makes it easy to budget and make sure that every dollar I own is being allocated and keeping up with savings goals. For me it works because the money is out of site and out of mind. I joined mooch almost immediately after app release and have seen it come a long way. I used to be frustrated by some of the limitations but I see that the app developers are actively listening to their users and am confident they will only make the app better with time. Some functionality I hope to see added with time is recurring expenses that are not on a standard monthly basis. (I have my dogs food autoshipped every 10 weeks and would like mooch to manage that money). I would also like to see more flexibility with savings goals by having the ability to add a lump sum of money when the folder is created and throughout its savings period. Sometimes people have cash already allocated to a savings goal that isn’t in mooch’s system yet and sometimes people get bonuses and other surprise money they would like to allocate. Nonetheless, I am optimistic these features may be added with time and I can work around this in the mean time.

Hi there, thanks for the feedback and sticking it out with us since the early days! We do read and listen to every feedback and have implemented many of the suggestions. The lump sum for savings goals is something we're working on. So hope to have it out soon. More improvements to come this year :)

I love this app! Being able to set budget goals for bills and future needs is very convenient. I used to use a different budgeting app, but they were lacking greatly. But as soon as Mooch was available, I signed up immediately. I like being able to access/view my envelopes no matter where I am. I also like that I can put money away and it be out of sight out of mind. Although there are a few issues, they seem to be resolved fairly quickly. I would love to be able to manipulate envelopes. Because sometimes you may want to save more aggressively towards one envelope vs another. I also wish that you could skip a payment and move it to another day whenever life throws you a curveball. Sometimes you are put in a position where you have to cancel your whole envelope, and now you have lost that interest that you have gained. But as I mentioned before, I know that mooch is constantly evolving, so I am patiently waiting for all the improvements! And highly suggest this app for your budgeting needs!

Hello! Thank you for providing such detailed feedback, this is super helpful for app improvements. We're working on more envelope flexibility as for the skip payment you can tap into an envelope -> click the pencil -> view options -> click Skip. I believe this is what you mean but if not we are working on more updates this year! :)