A monthly budget for each category, and an alert before you go overA monthly budget for each category, and an alert before you go over

Knowing where your money goes helps, but it comes late: you find out at the end of the month. With a budget you see it while it happens. If groceries are at 85% on the 20th, you know to slow down, or that this month will go over and you will cover it from somewhere else.

In Llegamos every monthly bill and every expense has a category. A budget counts what the month takes in it: the month’s bills you did not skip, and the expenses, including those paid from a pocket.

1. Pick the category

   In Settings, under Categories, open a category’s menu and tap “Monthly budget”.

2. Set how much, in each currency

   One amount per currency of the group: for instance $ 22,000 for groceries and, if you pay some of it in dollars, one in dollars too. Empty means no budget in that currency.

3. See how you are doing in the summary

   The “Budgets” section shows each one with its bar: green, amber from 80% and red from 100%, with what is left or by how much you went over.

4. Get an alert

   When a category reaches 80% and when it reaches 100%, once a month, during the day. Everyone in the group with alerts on gets it.

The figures are those of the sample month on the home page: electricity, water, internet and phones under Utilities; the supermarket and the butcher under Food.

A budget is always in one currency, because Llegamos never adds two currencies together. If a category has amounts in two, set a budget for each. Even when you view the summary “all together” in one currency, each budget reads in its own. More in multiple currencies.

• At 80% and 100%, once per category and month. If you jump from under 80% to over 100%, you get one alert: that you went over.
• During the day: between 9 a.m. and 9 p.m. in the group’s timezone. Nobody is woken up by a budget.
• To the whole group: the budget belongs to the household, so everyone with budget alerts on gets it. Turn them off in your profile.
• On your phone or computer, free. With Pro and email on, by email too.
• If you log an expense through the WhatsApp assistant and it takes the category to 80% or more, the reply says so right there.

• It does not stop you: you can log everything you need and go past 100%. A budget informs, it never blocks.
• It does not connect to your bank: it counts what you log in Llegamos.
• It does not change month to month: the budget you set holds for every month until you change it.
• It does not alert again if the month drops and climbs back: each alert arrives once a month.