问HN：你们在业务中使用什么工具进行预算管理？
我和我的妻子使用一个应用程序来管理个人财务，她现在也用它来做生意。我正在孵化一个新业务，目前使用这个个人预算应用程序已经足够了，从家庭的角度来看，这基本上只是一个爱好。
但是我们打算开发一些应用商店的应用程序，这些应用在用户首次使用之前需要具备出色的用户界面和用户体验。因此，我们将进行融资，我猜测个人预算应用程序无法提供我所需的支付平台交易洞察，无法与薪资平台、人力资源、福利等进行整合，这些信息将帮助我获得回顾性的洞察，以便在业务发展过程中能够掌舵。我预计会有一些企业客户和个别订阅用户，前几个季度主要是研发支出。但我想要做好复杂情况的准备。
显然，如果我有净正现金流和200%的年增长率，那么预算就会容易得多。但我希望假设情况并非如此。
你们都在使用什么？
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My wife and I use one app for personal and she now uses it for her business. I'm incubating a business and using that personal budgeting app is plenty for now, from the family perspective, it's basically a hobby.<p>But we're going to build some app store apps that need excellent UI/UX before user #1 sees them. So we're going to do a raise and I'm guessing a personal budeting app isn't going to give the me insights I need into the transactions of a payment platform, integrate with a payroll platform, HR, benefits, etc, the information I will need to give me retrospective insights so I can steer the ship as we go. I anticipate having some enterprise customers and some individual subscribers, with mostly R&D spend for the first several quarters. But I want to plan on the assumption it will get complicated.<p>Obviously, if I have net positive cash flow, and 200% annual growth, then budgets are a lot easier. But I want to assume that's not the case.<p>What do y'all use?