Cash flow
Follow the money.
All the way through.
Income on the left. Spending on the right. Pick a category and see what made up the total.
One month, start to finish.
In at the left, out at the right. Every salary meets in the household, then leaves for what it paid. What is left over is kept.
Example: in the month to 19 September, Alex earned €3,143.90 and Sam €2,363.20, €5,507.10 in all. It went out as Groceries €1,307.99, Apparel €482.63, Household €388.05, Other spending €1,339.58, Autopilot €1,555.15, €5,073.40 in all, and €433.70 was kept. Groceries was 33 payments at 6 shops: Coop €396.80, Lidl €256.31, Tesco €229.55, Carrefour €188.40, Aldi €121.24, Spar €115.69. September so far: €3,143.90 in, €2,012.75 out and €1,131.15 kept.
- Money comes in. Alex’s and Sam’s salaries, €5,507.10 in all, meet in the household.
- Out it goes. The rest is kept. Each band is as wide as its share, and €433.70 stays with you.
- Open any category. Groceries: 33 payments at 6 shops, €1,307.99 in all.
- Month after month. September so far: €3,143.90 in, €1,131.15 kept. Every band moves to fit.
The spending you chose, on its own.
Cash flow opens on the money you decided to spend. The loan, bills and subscriptions Autopilot pays have a view of their own.
Example: in the month to 19 September, €5,073.40 went out. Autopilot paid €1,555.15 of it on its own: the home loan €1,040.12, utilities €174.76 and €340.27 of other plans. The other €3,518.25 is the spending the household chose: Groceries €1,307.99, Apparel €482.63, Household €388.05 and €1,339.58 more.
- Everything that went out. €5,073.40 in the month to 19 September.
- Autopilot’s payments step aside. The loan, bills and subscriptions, €1,555.15, paid on their own.
- What’s left is yours. €3,518.25 of spending you chose, Groceries first.
Next: Autopilot
See what’s already spoken for.