When I go out to the farmers market, I put the maximum budget I'm willing to spend in my wallet, in cash.

It's a left side of the bell curve solution to not having to worry about every payment.

That's the UX I need for a micro-payment world too.

If we want simple folk to be transacting serious amounts of money, we need simple tools that take spending seriously.

I need to be able to see in a glance:

- what I've got left to spend for the month

- what I already spent

- what I earned (relative to an earnings goal)

Baby UX steps in that direction: