Winter Garden Ledger
Everyday spending—Excludes transfers & card payments
Money into account—Includes deposits, transfers & refunds
Moved / card payments—Outgoing · tracked separately
Closing bank balance—No statement loaded
Hide dollar amountsQuick privacy · Press H
Dollar amounts visible
A sculpted fantasy tabletop board with enchanted springs, gardens, a moonlit lake and a mysterious swamp
✦

A realm of little choices.

Coffee warms the springs. Groceries feed the gardens. Each day brings another step along the gilded trail.

Imported statements, budgets, and merchant choices
stay in this browser · never uploaded.
Full view
Budget Satchel
EXPLORE YOUR TOWN

Transactions
THE WAYFARER’S COMPASS

Where shall we go?

Choose a realm · Enter to travel · Esc returns to the main board
A visit to the Wise SageA little wisdom.
A brighter tomorrow.

Give every coin a purpose.
Leave room for a little wonder.

THE SAGE’S LEDGER

A plan for your coins

Within the guideWorth adjusting

Changing this total splits it proportionally across needs and wants. Savings and debt goals sit outside the spending satchel.

How to read the Sage’s advice

The 50 / 30 / 20 rule is a flexible starting point for take-home income. Aim for needs around 50%, wants no more than 30%, and savings plus debt goals around 20%. Adapt it to essential costs and your circumstances.

These comparisons cover the entire loaded statement period. Category guesses need review; Maybe Mire picks count once in wants. Transfers, refunds and card payments are excluded from purchase estimates. Other accounts and card purchases may be missing.

A future goal is not a measured saving rate. Keep required bills and debt payments current, build an emergency cushion, and make room for longer-term goals and extra debt reduction. Unallocated cash is not assumed to have been saved.

Optional reading: CFPB spending guideline · Emergency savings.

Scroll the parchment · Esc returns without changes