💙 Michael's Money

Simple budget • payday • real envelope balances

Weekly budget including savings
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Your actual take-home income
Income per week
Difference vs budget
Surplus goes to savings; shortfalls reduce flexible envelopes

Transfer this week

🏠 Nina's account—Rent and bill money
🛒 Everyday—Food, petrol, spending
🪙 Future expenses—Irregular bills and reserves
🐷 Savings—Base savings + surplus
Total planned transfers
Unfunded essentials, if any

These are suggested amounts to transfer manually, not bank transfers. If the income is too low to cover essential spending, the app shows the gap instead of hiding it.

Payday checklist

🛍️ Before you buy

These are recorded envelope balances, not bank balances. Record payday allocations and purchases to keep them accurate.

PAYDAY · TRANSFER GUIDE
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Available income for this pay period

Do these transfers in order

Six-destination agreed plan: These are the agreed weekly transfer targets, not live bank balances. Tick only after making each real transfer. Your editable itemised budget and ledger remain separate; check the income comparison before using this plan.

Unfunded essential expenses

Tick each transfer after completing it in your banking app. These checkmarks do not move money. If income is insufficient, review the warning before transferring.

✉️ Weekly envelope transfers

Amounts below reflect actual income. When income is short, flexible categories reduce first. Long-term amounts are weekly provisions for future expenses, not necessarily weekly purchases.

🏠 Nina's rent & bills account

🛒 Weekly / monthly spending

🪙 Long-term savings envelopes

🐷 Personal savings

Transfer to savings account

Includes the regular $50/week target (editable in Budget) plus any remaining income surplus. If income is short, savings may be reduced after flexible spending.

For safety, no bank account number is stored. Only the destination nickname appears in the checklist.

ACTUAL RECORDED MONEY
$0.00
Total of recorded envelope balances, including locked savings. Not linked to a bank.
🔒 Locked savings$0Set aside from spending
✉️ Envelope balances$0Includes money reserved for future expenses

1. Record a payday

Only tap after you've actually moved or set aside the money. This records the planned envelope allocations once; it doesn't make bank transfers.

Amount to record
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2. Record a purchase or transfer

3. Check before you spend

Green means funds are available. Red means the envelope has a deficit that needs funding. Balances roll over until spent or moved.

4. Handle overspending

Choose how to recover a deficit. Neither option silently changes the original annual budget.

Recent activity

Back up your data in Edit Budget. All records stay on this device unless you export and import them elsewhere.

✏️ Edit the full budget

Tap a coloured category to expand it. Change an amount or frequency and all envelopes, totals and income adjustments update immediately. Monthly values are emphasised in the summary. The original tyres/brakes $350 allowance is spread over three years.

Living expenses / month
Savings / month
TOTAL / MONTH
Total / year

Keep a backup

Changes are saved on this device in this browser. They do not sync automatically across devices. Export a backup before clearing browser data or changing phones.

DREAM GOALS

Make Room for Your Dreams 🎸

Choose what matters, decide what to give up, and save a little each payday. Your essential expenses and existing savings stay protected.

Create a goal

Pick weekly funding sources. These are proposed changes until you confirm.

This does not transfer money. The app checks your budget capacity; you must confirm extra income and any bank transfers yourself.

Payday goal allocations

Goal money is a suggested split of your existing savings allocation, not extra spending or a bank transfer. Record actual transfers separately.

My active goals

SIX PAYDAY DESTINATIONS

Actual money tracker

All six balances begin at $0. Only confirmed deposits add money. Transfers between destinations move money without creating it. This tracker is separate from the older itemised envelope ledger; do not record the same spending in both as two expenses.

Total recorded across six destinations$0.00

Payday — record real transfers

Tick only amounts actually transferred from income into these destinations. Unticked destinations receive $0. A payday reference can be recorded only once to prevent duplicates.

Balances and adjustable buffers

Buffers are portions of the money already in each destination, not additional money. Minimum 5%, default 10%, maximum 25%. The protected $50 weekly savings contribution remains part of its destination, not extra funding.

Record a transfer, expense or correction

Transfers must have enough available recorded money. Corrections require a reason and may increase or decrease a balance to match a real bank statement.

One Month Ahead — Direct Debits

Build a reserve equivalent to one month of planned Direct Debits, within the existing Direct Debits balance. The reserve is not added to the account total or deducted twice.

Recent account activity