gah, this teaches me not to do my budget in my head, I majorly stuffed up the numbers and redid them today with a calculator and the difference was off by $100. Bleh!
Slow evolution is the way. Mine has been growing slowly for a few years. Every now and then I add something new, and sometimes I refine what is already there to make it work better. I doubt it would be easily understood by anyone else, but because I know what everything does it has some pretty powerful features these days, especially in future predictions.