One of the most active topics in the Member Community has been the My Budget tool. I would truly like to thank everyone who has posted feedback these past few months. It is because of your diligence about sharing your concerns that we are now able to present this featured interview with Richard Rohrbough, Director, Product Management. The below interview also includes an instructional video and an invitation to a LIVE chat with Richard to ask your questions (check the bottom of the post for date and time)! Keep your comments and feedback coming; they really are making a difference!


Briana: Let’s go back to the beginning. Tell us why My Budget was developed?


Richard: My Budget was developed in response to member feedback to provide a better day-to-day budgeting tool with many new capabilities that the now-retired Spending Plan didn’t have. We added in a requirement for the member to enter their income to help more accurately show what money a member has coming in, in addition to what is going out through transactions. We also added in 11 pre-determined top-level spending categories and complementary advice on how to improve your financial footing. Our thought in this is to help our members with a “starter budget” to then build on.
Briana: What types of technical issues have you worked to fix since the launch?


When we launched My Budget in June 2014, we did run into issues that we had not anticipated. We have addressed many of the technical issues such as not allowing members to save without balancing the budget, credit card payments showing twice, and eliminating duplication of subcategories. We are aware that we have some lingering technical issues and we are working to address those as quickly as we’re able.
Briana: Many of our members have also expressed disappointment in the new design and functionality of My Budget. How are we working to improve the experience of using My Budget?


Our team is looking at all of the feedback and is either in the process or has plans to address many of the suggestions. In the design of My Budget, we realize we also changed how our members use the Money Management tools. We have three short videos that can take you through how to add your non-USAA accounts, track your money and create a budget. Additionally, we created a short video to help with some of the common questions we’ve heard our members ask:




Briana: Tell us more about the LIVE chat you are having on My Budget?


We appreciate all of the feedback we have received from our members regarding the My Budget tool and appreciate hearing how we can help create better experiences and tools for you. For questions we haven’t had the chance to answer, we’d like to invite our members to participate in a live USAA Member Community chat on April 9th at 3pm eastern/2pm central. I’ll be hosting with you and Wendy Poling to help address member questions.
Briana: Thank you for taking the time to answer all the questions and for making the video.


We appreciate our members and we thank them for their loyalty. I hope to talk to as many of you as possible on April 9th.



LIVE Chat Details:


My Budget LIVE Chat with Richard Rohrbough
Date: April 9th, 2015
Time: 3:00 – 3:30 pm eastern / 2:00  – 2:30 pm central




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Would you please advise the connectivity information on how to participate in the live chat event?

Briana Hartzell USAA

Hi Winter Ranger!

The conversation will be here in the community. Just come to starting at 3PM EST we

will be answering questions and comments real time. We look forward to your attendance!


Thank you!

Geoffrey Michael
Frequent Visitor

I have found that ever since the change last year, the new budget has been completely useless to me. Until I can omit transfer transactions from calculating into my budget, this tool no longer assists me in keeping track of my budget.

Briana Hartzell USAA

Hi Geoffery,

One of the enhancement planned for the tool includes improvements to the display of transfers in Track Money and My Budget


Other specific enhancements coming include:

  • The updating of categories in Track Money
  • The integration of pending credits in My Budget
  • Additional accessibility
  • The ability to add non-USAA accounts on mobile
  • The ability to split transactions

Thank you for commenting  and sharing your feedback.

New Member

I would just like to be able to control the categories in the budget.  Why, for example, when I open up Medical is there a subcategory that says Entertainment?  And why create a budget tool where you cannot even customize the categories?

Briana Hartzell USAA

Hi AMMaughan,

The top 11 categories are set and cannot be edited and new categories cannot be added at this level. However, you currently can create your own categories under existing categories.


On From My Budget, select a transaction that allows you to choose a category and select the Category drop-down box. At the top of the box, before all of the category choices, you will see an option to Manage Categories. Select that option and select Add Subcategory wherever you need or select the trash can icon to remove any categories you’ve created. Save.


On our mobile app: From My Budget, select Edit Budget. Scroll to the bottom of the next screen and select Add / Edit Categories. Chose one of the eleven top-level categories where you want to create a sub-category. Then select Add Sub.


This video could also help with the customization:


My Medical does not have a subcategory that says entertainment (which i agree nothing about medical expense is entertiaing :)) Here is a screen shot of mine... woudl you mind providing us a screen shot of what you are seeing on yours?



I hope this helps! Thank you for posting!


New Member

Hello! I am switching from Mint to USAA budgets and have two questions: 1. Is there an option to exclude the category 'Credit Card Payments' from budget considerations? I want to be able to select this item to delinate my credit card payments but I have my credit cards in the system and will categorize each individual transaction there, rather than within the overall payment. 2. Future budgeting. Is there an option to create different budgets for each month ahead of time? For instance, I know I will be spending more on travel during the summer months but more of gifts aound Christmas and I want to plan accordingly. Thank you for your help! Sam

Briana Hartzell USAA

Dear Sam,

I sent your questions to the my budget expert Richard and will post an update when I have the answers to your questions! Thank you!

Briana Hartzell USAA

Here is an update Sam! Here is what the expert Richard has to say:


  1. The member should include their credit card as being tracked in the budget so that every individual purchase is captured in the budget and placed in the correct category. Payments to the card should automatically be categorized as “Credit Card Payments” as seen in the credit card Account Summary page, but the transaction itself should be ignored by the budget.  That ensures that the purchases aren’t double-counted.  (please let me know if this is not working for you as described, so that we can look further into why this is happening for you).

  2. Allowing members to set up budgets for future months is on our enhancement list and we are exploring the option to add it next year.

 I hope this helps!



Frequent Visitor

I have linked my non-USAA accounts and clicked for them to be tracked. However, the transcations are not showing up. Only the transcations for my USAA accounts. Did I miss a step?

Thanks, Sara