E vs Expense Tracker

NOW WITH QR PAY!! Pay now with easier QR PAY in your E-Moni app. Pay for products and services at Vodafone (with more clients coming soon). The easiest, fastest and safest way to send money and receive money in the Cook Islands. ___ E-Moni is a mobile money service in the Cook Islands that allows you to transfer money to family and friends in Rarotonga and the rest of the outer islands of the Cook Islands. They can withdraw money from any Vodafone Cook Islands outlet. E-Moni customers can also buy recharge for prepay mobile customers directly in-app with their E-Moni balances and can use their balances to pay for services like your Vodafone account bill through your mobile phone. The E-Moni app makes your life even easier because you will have access to all services and more to come in one touch in the palm of your hand. What does the E-Moni Cook Islands app offer you? • Manage your E-Moni wallet anytime, anywhere as long as you have a data connection; • Check your account balance with a single tap; • View recent transactions with the mini statement feature; • Receive money from other E-Moni Cook Islands customers; • Cash out from an increasing network of outlets, agents and merchants; • Buy Vodafone Cook Islands Prepay Recharge; • Pay services - like your Vodafone Cook Islands account (and more services coming soon) Why use Vodafone’s E-Moni Cook Islands app? - It is easy, fast and safe; - Registration and opening of account are free; - You do not have annual account maintenance fees; - You do not need to have a bank account; - Money transfer 24/7 and 365 days a year being in any part of the world For more information, check out our website here: https://www.vodafone.co.ck/e-moni

Most budgeting apps tell you where your money went. Pennyken tells you what you can still spend — before you buy, not after. Open the app and one number greets you: LEFT TO SPEND. Your monthly limit, minus what's already gone, counted down live as you log your day. No spreadsheets, no bank logins, no guilt trips. STOP OVERSPENDING • Set a monthly spending ceiling and watch it count down in a beautiful ring • A daily pace line ("≈ $31/day to stay on track") keeps you honest mid-month • Log a purchase in seconds — smart suggestions prefill the category and account CATCH THE LEAKS • Set a limit per category — Groceries, Dining, Transport, anything you like • Pennyken warns you BEFORE a category crosses its limit, not after • See exactly which category is eating your month, at a glance NEVER MISS A BILL • Track rent, subscriptions, and recurring bills in one place • Get reminded before each one hits, with the amount and due date • Recurring income counts too, so your real spending power is always accurate TURN WISHES INTO PLANS • Create savings goals with a real target and a real date • Pennyken does the math: "$250/month gets you there by December" • Gentle contribution reminders keep the streak alive — no willpower required UNDERSTAND YOUR MONTH • Spending by category, income vs. expenses, and budget trends over time • Compare this month to last and see what actually changed PRIVATE BY DESIGN • No account. No sign-up. No bank connection. • Everything you enter stays on your phone — we couldn't read it if we wanted to • Lock the app with Face ID • Export your data anytime as JSON. It's yours. Start free and log your first transactions on us. Pennyken Plus unlocks unlimited transaction logging with a subscription (monthly or annual), with a free trial to start. Cancel anytime in your App Store settings — payment is charged to your Apple ID account and renews automatically unless cancelled at least 24 hours before the end of the period. Privacy Policy: https://sites.google.com/view/pennyken-privacy-policy/home Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Your money, finally facing forward. Download Pennyken and know what's safe to spend — today.