ADAPTIVE DYNAMIC BUDGETING

摘要

According to one embodiment of the present invention, a system for adaptively, dynamically managing a budget adjusts budget categories in response to a potential purchase exceeding the target amount of one budget category and creating an overage. Certain budget categories may have an adjustable target amount while other budget categories may have fixed target amounts and, thus, the budget categories with adjustable target amounts may be adjusted or modified in order to accommodate an overage in another budget category. The budget categories to be modified may be selected based on various priorities and may be suggested to the user for modification upon selection.

主权项

1. A computer-implemented method of managing a budget comprising:
determining an overage for a budget category of the budget relative to an associated target amount for expenses, wherein the budget includes a plurality of budget categories with at least one budget category associated with an adjustable target amount; identifying one or more other budget categories associated with adjustable target amounts and including total expenses less than the associated target amounts; and modifying the adjustable target amounts of one or more of the identified other budget categories to compensate for the overage.