Your Spending vs Ledger

Your Spending app gives you a better way to manage your spending, and so much more. My name’s Marc Jarman, as a direct result of using the Your Spending app myself, not only did I discover complete clarity of my own spending situation, but over a 12 month period, I also found $15,000 in reduced yearly spending, (needless spending) and also lost 15kg (33lb) excess weight too. I first started Your Spending in 2018 because I was always asking myself these types of questions, "What payments have I got coming out (this week, this month, next month)?" With the ‘Automated Upcoming Payments Display’ you only have to open the app to be shown not only what payments you have coming out this week, but you can also see your entire spending for the next 12 months, as a result of a simple, one-time calendar entry that takes only 10 seconds to complete. Make late payment fees a thing of the past, with Your Spending app you'll always know when your car registration's due, when your electricity or phone bill's due, any bill or payment for that matter. With a simple tap you can now see well in advance which months of the year are more expensive for you than others. Another positive to Your Spending app is that you don’t link your bank accounts to it, you want your bank accounts to mirror the evolving spending situation you map out in the app, the $15,000 reduced yearly spending I found didn't all happen straight away, those changes happened over a 12 month period, one expense at a time. And lastly, one of the new features in Your Spending app is the 'Select Your Currency Symbol', if you're in the UK or Europe, you can now select either £ or € to display your spending. Download Your Spending app now and get started.

Life doesn't follow a monthly schedule. Rent, groceries, subscriptions, payment plans and unexpected expenses rarely line up neatly. Ledger is designed around your pay cycle, helping you see what's coming in, what's due, what's being set aside and what's left before your next payday. Whether you're paid weekly, fortnightly or monthly, Ledger brings your income, expenses, savings and future commitments into one clear plan, without the complexity of a traditional monthly budget. Plan around your pay cycle • Build your plan around weekly, fortnightly or monthly pay cycles • Add salary, hourly, casual and variable income • Set custom base, penalty, overtime, weekend, evening, public holiday or fixed hourly rates • Log hours against each rate and see your estimated gross pay update • Manage multiple income streams in one place • Link taxable incoming adjustments, such as bonuses, to the income stream they were paid with • View Australian tax estimates for each taxable income stream and taxable incoming adjustment Estimated tax only. Not financial or tax advice. Stay ahead of expenses • Track recurring and one-off expenses • See bills, subscriptions and payment plans in the pay cycle they belong to • Mark expenses as paid or defer them when plans change • Set reminders for upcoming payments and choose when Ledger notifies you • Review daily reminders in Inbox and open payment details directly • Keep future payments visible before they catch you off guard Organise what you're setting aside • Set aside money in custom allocation pockets • Create Savings pockets with optional target amounts and dates • Plan regular contributions, add extra savings and track withdrawals or adjustments • Adjust a planned contribution for one pay cycle without changing the regular plan • Optionally track spending within each allocation while keeping the focus on your wider plan • See how expenses, allocations and savings affect what you'll have left Designed for clarity Ledger is a pay-cycle planning space for understanding what's coming in, what's due, what's being set aside and what remains before payday. There is no need to connect your bank or turn every purchase into a transaction to categorise. Ledger keeps the focus on the bigger picture, so you can plan ahead without adding more financial noise. Terms of Use: https://useledger.co/terms/ Privacy Policy: https://useledger.co/privacy/