Ledgerly

Budgeting for real paychecks 💵
Myths busted weekly.
No bank login, no user account!

[Ledgerly @UseLedgerly]

We have been cooking...

The new version of Ledgerly is close. Simplified user experience, improved designed and 5 supported languages ✨

[Ledgerly @UseLedgerly]

Money leak of the week: the annual renewal. One charge a year never feels like a habit, so it lands like a surprise. Which renewal caught you off guard this year?

[Ledgerly @UseLedgerly]

Ledgerly on iOS and Android: https://t.co/Fw4HpXJHsh

[Ledgerly @UseLedgerly]

The airplane mode test: switch it on, then log a coffee. Ledgerly still works, because it never asks for your bank login. Your figures stay on your phone unless you switch on backup to your own iCloud or Google Drive. What should a budget app never ask you for?

[Ledgerly @UseLedgerly]

@lightsilver323 https://t.co/Fw4HpXJHsh

[Ledgerly @UseLedgerly]

@spacedevin https://t.co/Fw4HpXJHsh

[Ledgerly @UseLedgerly]

Loud budgeting is just saying "that's not in my budget this week" out loud, with no excuse attached. I expected it to feel awkward. Mostly people say "same." What's the phrase you actually use when you're saying no to plans?

[Ledgerly @UseLedgerly]

@lightsilver323 Private budget & expense tracker.

https://t.co/Fw4HpXKfhP

[Ledgerly @UseLedgerly]

Ledgerly on iOS and Android: https://t.co/Fw4HpXJHsh

[Ledgerly @UseLedgerly]

Example numbers: Noor, teacher's aide in Minneapolis, paid twice a month, $1,780 take-home. After rent and the basics, $320 covers fun and savings for about two weeks. That small last row carries a lot. How does your paycheck split?

[Ledgerly @UseLedgerly]

Ledgerly on iOS and Android: https://t.co/Fw4HpXJHsh

[Ledgerly @UseLedgerly]

Safe to spend today = what's left in your plan, minus bills still due before payday, divided by the days left. Example numbers: $540 left, $190 in bills, 5 days to go. That's $70 a day, and you know it before you tap.

[Ledgerly @UseLedgerly]

Tapping a card feels like nothing happened. Handing over cash feels like something left. Same $14 lunch either way. Does paying with your phone make spending easier for you, or have you found a way to make it feel real again?

[Ledgerly @UseLedgerly]

This week's challenge: log every purchase for 7 days. One rule: write it down within an hour, even the $2 ones. No judging, just noticing. Who's in, and what do you think will surprise you most?

[Valery Melou @valerymelou]

Most budget apps give you 20 charts. Ledgerly gives you one number: what you can safely spend today.

It takes what you have left, subtracts what's still due, and divides by the days remaining. You can see that maths right in the video.

No bank login. No user account. Your numbers never leave your phone.
Available on iPhone and Android → https://t.co/ERdW4hGQrB

[Valery Melou @valerymelou]

The result is impressive!

Opus 5.5 on xhigh effort: "make a dynamic 15-second motion graphics video that shows what an incredible motion designer you are, like it's your showreel for a résumé. go all out."

[Ledgerly @UseLedgerly]

Do you remember when you joined X? I do! #MyXAnniversary

[Ledgerly @UseLedgerly]

@lightsilver323 Private finance

[Ledgerly @UseLedgerly]

@ftmoney There is no wrong answer to this. All depends on your own situation.

[Ledgerly @UseLedgerly]

@JeffreyFeldberg Dead link!

[Ledgerly @UseLedgerly]

Ledgerly's whole home screen is one number: what is safe to spend today.

What is left, minus what still has to go out, divided by the days remaining. The arithmetic sits right under it. No advice, no scores, no guessing.
https://t.co/Fw4HpXJHsh