Private · syncs through GitHub
Payday gives every pound a job. One check-in a month.
Your numbers live in a private GitHub repository, so this page needs a token before it can read them. One token works on all your devices; paste it once on each.
The token can only read and write that one private repository. You can revoke it any time in GitHub's settings. On an iPhone, add this page to your Home Screen so Safari doesn't forget the token.
Every payday
The money moves the day after it lands. Savings go to a different bank, away from your spending app, so they stop drifting back to cover bills.
Every month
Change any amount and it saves to GitHub. Household lines are the full bill; the slider sets the share you pay.
Your earlier spending against this plan.
| Area | Before | Plan | Change |
|---|
Payday weekend, once a month
Fifteen minutes. Open each app, type the balances, save. The line shows whether you're on course for the balloon.
The balloon date
None of these routes needs new car finance. Balloon about —.
Pay it from the car fund. You then own a car worth about —, and the monthly finance payment stops.
Running costs here are insurance, tax and fuel. Servicing comes out of the irregular pot.
Salary sacrifice comes out of your pay before tax, NI and student loan, and usually covers insurance, servicing and tyres.
Ask the scheme how it checks affordability and what happens if you change jobs.
No finance at all. Same-level money buys roughly what you already have. A step up comes from saving the freed finance payment for a year after the balloon.
Ongoing
Reference
How to think about money
Further reading: the r/UKPersonalFinance flowchart (what to do next, in order), Debt Camel (debt plans, settlements, refunds) and MoneySavingExpert (deals and switching).