Tutorial

Learn how to use JoeMoney effectively

Welcome to JoeMoney! 🎉

Your personal finance companion designed to help you avoid overdraft fees, plan for expenses, and build financial confidence.

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Getting Started

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Step 1

Set Up Your Account

Start by entering your current balance and safety buffer amount.

Enter your current checking account balance
Set a safety buffer (recommended $500-1000)
This creates your financial foundation

💡 Pro Tip: Be honest about your current balance - this is just for you!

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Step 2

Add Your Recurring Transactions

Input all your regular income and expenses to build your financial picture.

Add your salary, bonuses, and other income
Include rent, utilities, subscriptions, and bills
Set up loan payments and debt obligations
Don't forget small recurring expenses

💡 Pro Tip: Even small monthly subscriptions add up significantly over time!

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Step 3

Review Your Projections

See how your finances will look over the next 90 days.

View your cash flow projection chart
Identify potential low balance periods
See your safety buffer in action
Plan for upcoming expenses

💡 Pro Tip: Look for patterns and plan ahead for tight months!

Step 4

Reconcile Regularly

Keep your projections accurate by updating actual transactions.

Mark transactions as cleared when they happen
Update actual amounts if they differ
Reschedule transactions if needed
Skip transactions that won't occur

💡 Pro Tip: Regular reconciliation keeps your projections accurate and useful!

Key Features

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Cash Flow Projections

See your account balance 90 days into the future

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Recurring Transaction Management

Set up once, track forever

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Balance Reconciliation

Keep your projections accurate

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Financial Insights

Understand your spending patterns

Quick Transaction Entry

Add one-time transactions easily

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Mobile Responsive

Use JoeMoney anywhere, anytime

Perfect For

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Living Paycheck to Paycheck

Avoid overdraft fees and plan for expenses

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Planning Major Purchases

See when you'll have enough saved

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Managing Irregular Income

Plan for feast and famine cycles

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Building Emergency Savings

Track your progress toward financial security

Ready to Get Started?

JoeMoney is designed to be simple yet powerful. Start by setting up your account and adding your recurring transactions. You'll be amazed at how much clearer your financial picture becomes!

Important Disclaimer

JoeMoney is a personal finance tracking tool and does not provide financial advice. All projections and calculations are for informational purposes only. Please consult with qualified professionals for financial decisions. Past performance does not guarantee future results.