Income & Outgoings

How it works

The mechanics of this kit, plainly — what runs and when, where the data lands, and what you look at.

• Weekly money sweep runs mondays · 8am and keeps the Money at a glance dashboard fresh. Every Monday at 8am — finds the money that moved and keeps the ledger current.
• What is captured lands in the Money ledger dataset, which lives at Data/Money Ledger in your vault — yours to open, search, and edit like any other file.
• What is captured lands in the Money budget dataset, which lives at Data/Money Budget in your vault — yours to open, search, and edit like any other file.
• The Money at a glance dashboard reads from the dataset and shows, at a glance: money out · money in · entries · month by month · where it goes · the ledger.

The wiring, in one breath: Weekly money sweep writes to Money ledger · Money capture writes to Money ledger · Statement reader writes to Money ledger · Budget and month ahead keeps Money budget · Budget and month ahead reads Money ledger · Money review reads Money ledger · Weekly money sweep reads Money budget · Money ledger shown by Money at a glance · Money at a glance kept fresh by Weekly money sweep.

Getting the most from it

A kit earns its place when it changes what you look at and what you say, not when it is installed. This is the rhythm that makes it pay.

• Say money things as they happen — "paid the deposit", "the refund came through", "gym went up to $42". Money capture puts them on the ledger, so the board shows the week you had, not only what email saw.
• Read Money at a glance on Monday after the sweep to see what moved, and make that the moment you move money between accounts or query a charge. For what is coming, ask Steward about the month ahead: it reads the shared Money calendar, where your money Kits keep their dates, beside the income you said is due.
• Add a statement to your vault when you download one, and tell Steward. Statement reader puts on the ledger what email never saw, like card spending and cash, and leaves anything already there alone. If you have imported the statement as a table and put your own categories and tags on it, they are carried to the ledger exactly as you wrote them, and Steward asks about a line you left blank rather than guessing.
• Set a budget only for the categories you care about: "groceries 400 a month". Ask how the budget is doing whenever you like, and the weekly sweep says on its card when a line goes over. The board does not draw the budget; Steward answers it in words, with the figures and nothing else.
• Tell Steward the day your pay lands, once. It goes on the Money calendar and moves on each month when the money arrives, so the month ahead always has both sides.
• Tell Steward how you categorise things, once. Corrections stick, and the breakdown starts to look like your life rather than your bank's labels.
• Ask for the picture in words: "how did last month compare", "what are we paying on repeat". A question you keep asking is worth a routine of its own.
• At the end of a year, or when an uneven income makes a month hard to read, ask for the year in view, a smoothed income or your savings rate. Money review shows its working every time, and keeps the year as a note in your vault if you ask.
• Let each money Kit keep its own record. With Bills & Utilities installed, household bills stay on its record rather than this ledger, and Steward adds them back when a budget line covers them; a subscription's payment still lands here.

Make it yours

Nothing here is fixed. The pieces are ordinary agents, routines, datasets and dashboards, so anything you know about shaping those applies. Retire whatever earns nothing.

Things people usually change first

Say any of these in chat, or edit them on the kit’s page in the app.

• Which categories exist, and what falls into each.
• What counts as a transfer rather than spending.
• When the weekly sweep runs.
• Whether it raises a card for an unusual charge, or stays silent.
• Which categories have a budget, the figure for each, and whether it is for a month or a year.
• The days your regular money comes in and goes out.
• Whether the weekly card mentions a budget line that has gone over.

Your first run

Installing starts a short setup conversation — not a form. Answer roughly, correct later.

1. Adding the Kit offers the first sweep right away: connect your email on the same screen, start it with one tap, and watch it read back through a year of money that actually moved — salary in, spending out, subscriptions renewing — charting the board from real history rather than starting empty. Prefer not to connect email? Tell Steward what comes in and goes out instead, and the ledger builds by hand.
2. Whichever way you start, Steward begins from what 1Presence already knows: what you have told it before, and any statements, payslips or spreadsheets in your vault. It offers what it finds for you to confirm, and asks only for the gaps.
3. When that first sweep finishes, Steward leaves a short note in your 1Presence inbox saying what it filed — how many movements, across how many categories — and invites a few minutes together to fill what email could not show (an amount that was only in an attachment, cash, a payment made in a bank app, a standing order that sends no notice), mark which payments are transfers rather than spending, and walk the categories.
4. Either way, Steward asks once, near the end of that first conversation, whether you would like to set a budget for any of your categories. "Not now" is a full answer, and it is not raised again.
5. Whatever is still missing waits on the Kit page with a way back to Steward, and Steward offers it once the next time you talk. Tell it a part does not apply to you, or that you have finished setting up, and it stops asking.
6. From then on it raises a card only when something needs a person — an amount it could not read or a regular payment (your pay included) that has not appeared, each saying where to get it, a subscription that renewed dearer, a budget line that has gone over in the month.
7. The categories are yours, not a fixed list — correct one in chat and it keeps that rule from then on.

Watch the first pass, then tell it what you would have done differently — that correction teaches it more than any setup could.

The essentials

Learning, preferences and run costs work the same in every kit — so they are covered once, in the Kits guide.

Living with a Kit — the Kits guide →

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