Money's the loud thing right now — so here it is, on the board where you can actually see it. No judgement, no scary made-up numbers. Nothing's filled in until you fill it in; log what's real and it starts to add up on its own.
Every balance you're carrying, its rate, and what you've paid down. Add a debt, then log payments against it — the balance moves as you go.
Log what you spend and where it goes. The categories add themselves up so the leaks show — no shame, just the picture.
No API, no auto-pull — you type in your score whenever you check it (even once a month is plenty). The board just remembers it for you, so the trend is one thing you can't forget.
Based on where your money actually goes (from your Spending log), here's the cashback card that would reward each category best. Log some spending first and this fills itself in.
These are a handful of well-known US cashback cards and their commonly-cited category rates —
reference examples only, not advice. Rates and annual fees change; verify before applying.
Sami can edit this table (the REF_CARDS list) in the page source. The highlighted cell in each column is the best rate for that category.
A consideration stays a question until you choose to make a plan. A committed plan earns one next rung at a time; when it is genuinely finished, you can move it into your established record.
Open money and work questions, not commitments.
Committed with a finish line, target, date, and ladder — not underway yet.
Only plans you have actually started belong here.
Plans that truly finished live here as a record, not a moving dashboard.