Thanks for the feedback! It is definitely a different way of budgeting. My target audience is more first-time budgeters. I know it would be an uphill battle to convert YNAB'ers since they are loyal to envelope-based method.
With lunch money it looks like you set up an ideal spending amount per category based on your history. But whether you stay within those limits is completely up to you. It might warn you if you go over in a category but that is about it.
In an envelope based system you can only budget dollars you have (that's where the name comes from, you'd literally stuff cash in envelopes). If you overspend from one envelope/category then you have to take from another envelope. It's perfectly fine to do this, but it just makes the sacrifice that much clearer. For example, let's say I splurge on restaurants this month - then I might have to steal from that vacation budget a bit in order to cover it.
The second aspect is building up money for future expenses. I can set up an envelope/category for a vacation in 12 months and throw 30 bucks a month at it. That money accrues each month and unless I steal from that envelope it's assigned to the vacation so I'll have the expense covered when it comes.
That's the gist of it. There is a ton more information online.
Hm I think saving would work for me if I increase a budget every month without spending it. And if you can set your current balance somehow in Lunch Money (I don't know at this moment) then you would see if you overspend (hopefully). These are of course very valid and important aspects.
