Working out your plan…
Working out your plan…
Managing money can feel overwhelming, but it doesn’t have to be. Thrifty Pig is built on a simple idea: divide your money into pots that each have a purpose, and give every dollar a job.
Car registration · $900 · due in 4 weeks
Averaged over a year
$17.31/week
$830.76 short on the day
Thrifty Pig
$225.00/week
Paid in full, on time
Set up a pot for each part of your life — rent, groceries, bills, savings, the fun stuff. A pot can be a real bank account, or simply cash you keep aside. Every dollar goes into one with a job to do.
Your pay, and anything else that arrives regularly. Tell us how often and when the next one lands, so the plan lines up with your actual pay cycle rather than a calendar month.
Every bill and commitment: how much, how often, which pot it comes from, and — this is the important part — when the next one is actually due.
We work forward from those dates and tell you what to move into each pot every pay. Set the transfers up once with your bank and the money is simply there when each bill arrives.
Most budgeting tools convert every bill into a yearly average. It’s tidy maths, and it’s wrong in the one situation that matters: when a large bill is due sooner than the average assumes.
A $900 car registration averaged across a year works out to about $17 a week. If it’s due in three weeks, you’ll have saved $51 of the $900 — and the average never told you. Working forward from the real due date, the answer is $300 a week, and you find out now rather than the day the bill lands.
That’s the whole idea. Not a prettier spreadsheet — an answer you can act on, with enough warning to do something about it.
Whether you’re new to managing money or just want a smarter way to handle your pay, this is built for real life — not finance textbooks. No jargon, no pressure, no guilt. Just clarity.