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Recurring Templates

Set one up once and each cycle's copy is written for you, with the Budget reserved right away. A cycle is never written twice.

Liabilities

House and car loans, with their schedule. Record a payment against one and the interest and the principal are split for you — pay extra and every baht of it comes off the principal.

Holdings

What you hold, each in its own unit — bitcoin in satoshi, everything else in baht. Buying into one is a Transfer, never an Expense: the money changed form, it was not spent, so no Budget line moves. Targets here are yours alone and are never mixed with an FI number.

New Holding

Name

Held in

Milestones

One line each, name = how much, in this Holding's own unit — the name is what says that 54,000,000 sats is the rung that pays 30k a month. You hold one balance and every milestone measures that same balance, so a purchase never belongs to one of them. Leave this blank if you are not saving towards anything. Nothing works a milestone out for you, and nothing here is ever added to an FI number or converted into one.

Already held What that cost ฿

What you already had before this app, and what you paid for it. Every purchase you record adds to both.

Worth now ฿ You checked on

Worth now is typed by hand, so the app shows how old it is rather than letting it pass for today's figure. Leave it blank until you know it — blank is not the same as zero.

Counts toward FI

Yes No

Yes for what you are actually retiring on, which is nearly every Holding. Say no for one you are holding for something else, such as a sinking fund or a reserve, so it stays part of your Net Worth without being counted as money that buys you out. This has nothing to do with the milestones above: those are yours alone and are never added to an FI number.

Note

Net Worth

Everything you own, less everything you owe. The cards, the loans and your Holdings are already known here; the cash, the bank, the house and the car are yours to type, and each one shows how long ago you did. At the end of every cycle the figure is written down and never rewritten.

Financial Independence

Your own tiers, measured against what you have flagged as retirement money — nothing here works out how much is enough for you. The dates come from what you invest a month and the return you expect, which is nominal: it is not adjusted for inflation, so ฿4,500,000 in fifteen years buys less than it does today.

Budget lines

Record Expense

Debts

Holdings

Net Worth

Financial Independence

Cycle Review

This cycle

Recurring Templates

New Recurring Template

Liabilities

New Liability

Holdings

New Holding

Net Worth

Add something you own

Financial Independence

The other way round

Cycle Review