Light heat cost management vs Payoff Path

This is an app for recording utility bills and usage and displaying them as graphs. You can record utility bills and usage by specifying a date. When utility bills and usage are recorded, they are displayed as a graph. You can check the utility bills and usage for each record as a line graph. ▼Record utility bills and usage 1. Press the Add button. 2. Select from the items (electricity, gas, water). 3. Select the date and press Next. 4. Enter the amount and usage and press OK. 5. Enter any notes and press OK. ▼Utility bill graph 1. Click on the chart at the top. 2. Click on the full period graph, annual graph, or past year graph. 3. A line graph of utility bills for each record will be displayed. ▼ Change/delete/set item name Click on an item at the top. The following menu will be displayed. Add an item Sort items Edit/delete item The Edit/Delete Item menu contains the following items: -Edit item name -Edit units -Delete → Deletes the item name and all of its records. ▼Add item Press the item at the top. The following menu will appear. Add item Sort items Edit/delete items Press Add item. Enter the item name and unit and press OK. ▼ Sort items Press an item at the top. The following menu will appear. Add an item Sort items Edit/delete an item Press sort items. The item list screen will open. To rearrange an item, press and hold the item name. ▼Delete one record 1. Press Record. 2. Press Delete. 3. Confirm the details to be deleted and press the Delete button. ▼Add user Tap User at the top. If you add a name from Add User, you can record them separately. To edit, tap Edit/Delete User to open the editing screen. You can switch users by tapping the user name in user selection. ▼Create PDF file (top right menu) Create a PDF file. You can create a PDF file by specifying the year. If you want to print, please share the PDF file to an app that can print before printing. ▼Dark mode (top right menu) Select dark mode ON/OFF from the menu on the top right Press Dark Mode to switch to a screen display with a color scheme based on black. If you press Light mode, the screen will be displayed in the normal white color. ▼Delete all records (top right menu) From the menu on the top right, select Erase all data. You can delete all records. ・Model change data migration For users with the same Apple ID Because records are stored in iCloud View the same recording on a new iPhone/iPad 【Terms of Use】 This app complies with the Apple Standard Terms of Use (EULA). Please refer to the link below for details: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Keep every loan, credit card and line of credit in one place, and find out exactly when you'll be debt-free. Enter your monthly budget and the app simulates your payoff with daily interest calculations. It also tells you ahead of time whether your cash will last until payday. There's no limit on the number of loans, and all the calculations and records are free. ■ Will it last until payday? (Premium) • Home shows whether your cash will last until your next payday, with an alert 3 days before you're likely to run short • Forecast balances per account (bank, cash, e-wallet), credit card bills and installment plans together • An "Until payday" widget, and export to the iPhone Calendar ■ Home • Total balance, progress, this month's payments, payoff date and the interest still to come, at a glance • A checklist for this month: target, paid so far and what's left for each loan • Balance breakdown (pie chart) and balance over time (actual and forecast) ■ Payoff simulation • Set a total monthly payment and compare "minimums only", "highest rate first" (avalanche) and "smallest balance first" (snowball) • When a loan is paid off, its payment automatically rolls over to the others • Add extra in bonus months, or work back from a target date to find the monthly amount you need • Compare with refinancing or consolidating ■ Payment history • Record payments for several loans at once, and correct interest or balance to match your statement • Handles additional borrowing and balance adjustments • Reports show how your balance changed over any period, split into principal and interest ■ Payment calendar • See due dates, payments made, overdue items and new borrowing month by month • Due dates that fall on a weekend can move to the previous or next business day ■ Flexible terms • Promotional (introductory) rates and rate changes • Payments on a fixed day each month, or every 35 days • Works with your local currency ■ Private by design • Your data stays on your device (iCloud sync only if you turn it on) • Face ID lock, due date reminders, home screen widget • Backup export and restore • Lock screen widgets • Export your history and payoff plan as CSV • Milestone celebrations at 25%, 50% and 75% paid ■ Premium (one-time purchase) • Removes ads • Cash flow calendar: add your salary and bills to see whether you'll have enough on each due date • Home and widget show whether your cash lasts until payday, with an alert 3 days before you run short • Balances per account, credit card bills and installment plans • Save and compare payoff scenarios, including one-off extra payments • A printable PDF of your loans and payoff plan • Milestone cards • Export due dates and planned income/expenses to the iPhone Calendar • Alternative app icons that don't look like a debt app • Import planned expenses into the monthly payment memo ※ Results are estimates. Check your actual interest and amounts due with your lender. ※ This app does not recommend borrowing or refinancing.