Who this is for

• Adults in their 20s–50s who never learned budgeting and need to scan a bank statement without opening a spreadsheet.

• People reviewing a month of card and bank activity who keep mistaking small random charges for real budget problems.

• Anyone trying to find fixed costs and recurring leaks fast while avoiding shame spirals and decision fatigue.

Who this is NOT for

• People building a detailed zero-based budget, category system, or net-worth tracker.

• Bookkeepers, accountants, or business owners reconciling business transactions.

You'll know this worked when you can mark each transaction on a statement as fixed, recurring, variable, or ignore, and you have the first set of charges that actually deserve attention.