Envelope structure
Category (and channel) × period; envelope list and envelope detail.
CollMind TPM · Budget
Budget and fund control: an approved plan really reduces the budget
Trade budget is split into category (and channel) × period envelopes. When a plan is approved, its amount is committed from the envelope and the available balance updates instantly. Every movement goes to an append-only ledger; nothing is deleted and corrections are made with reversing entries.
The challenge
Two people can plan the same budget
When budgets live in spreadsheets, approving a plan takes nothing out of the budget. Two teams can plan the same money independently, and overspend is usually noticed only after the money is gone.
- Allocated, committed and spent amounts are not tracked separately.
- There is no immutable trail of budget movements.
- Planning does not stop when the budget is used up.
How it works
- Step 1
Define envelopes
Finance enters envelopes and allocations by category (and channel) × period.
- Step 2
Plans are checked
When a plan is submitted, the available balance in its envelope is checked.
- Step 3
Commit on approval
The approved plan’s amount is committed from the envelope and moves to consumption as actuals arrive.
- Step 4
Follow the ledger
Every movement is recorded with date, type, source and amount; corrections use reversing entries.
Key capabilities
Allocated · committed · consumed
Three buckets tracked separately; available balance and usage rate update instantly.
Immutable ledger
Append-only, nothing is deleted; protected against concurrent approvals.
80% warning
Envelope usage is shown with colour and a warning.
100% block
A plan that would exceed the envelope is blocked on the planning side.
On- / off-invoice split
Budget checks and consumption are kept separately for on- and off-invoice legs.
Screens
Who it is for
Finance
Defines the budget and follows usage and movements.
Category managers
See how much budget is left in their category before they plan.
Commercial directors
Follow budget usage by category and period on one screen.
Screenshots use demo data; brand, customer and user names are illustrative. The product UI is shown in Turkish.
Roadmap
Coming next
The items below are not yet available; they are in development or planned.
- In development
Finance notification at the 90% threshold
- In development
Configurable block threshold
- In development
Flagging and reporting overruns on realised claims
- Planned
Envelope top-ups and transfers between envelopes
- Planned
Periodic accrual report for long-term agreements
Let’s map your budget into envelopes
We will show how your category and period budget is tracked with commitments and a ledger in CollMind TPM.