The Bag is our household's shared-finance tracker: pooled income, a cycle budget that runs 20th to 19th, and every spend reconciled against the bank statement. No more surprise overdraft.
A budget that matches when money actually lands
Every cycle runs from the 20th to the 19th — payday to payday. Set incomes, overdraft repayment, allowances and budget lines the day the salaries land.
Tell Bruno in the family Telegram group what you spent and it lands in the ledger, categorized against your budget lines. Anyone in the group speaks for the household.
At cycle close, import the Lloyds CSV. The statement is the source of truth: every row is matched, categorized or resolved, so a closed cycle is exact.
Track the pot, know where it goes, and close each cycle in the black.