To be able to plan ahead. I have a tendency of forgetting things I have to buy and then spending my money on something different. For example, I n know I want to buy winter boots and a warm jacket for my son when the weather gets colder, and I would like a reminder of that close to my variable envelopes so that I think twice before I go and buy something else. I don’t see that as a savings envelope because it’s not a fixed goal but an everyday necessity. Hope this makes sense