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Cashflow

Split payday into three buckets

Separate accounts keep money honest—bills stay funded, goals progress, spending stays guilt-free.

Suggested setup

Bills account

50%

Goals account

30%

Spending account

20%

  1. 1. Open separate accounts or spaces

    Label them clearly so transfers are instant.

  2. 2. Automate transfers on payday

    Standing orders split your pay the moment it arrives.

  3. 3. Spend only from the spending account

    Swipe cards tied to the spending bucket so day-to-day purchases never touch bill money.

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