Family Finance Operating System

Working month

Cash received$0.00

Cash available$0.00

Mandatory due$0.00

Arrears$0.00

Goal shortfalls$0.00

Household transfers$0.00

Source balances

Available cash by source

Funding waterfall

Highest-priority outstanding items

Monthly requirement levels

Three different numbers—not one misleading target

Red-line survival$0.00Immediate damage if unpaid

Operating stability$0.00Survival plus necessary operations

Full plan$0.00Includes provisions, reserves and giving

Record cash received

Revenue stays with its source until obligations are funded.

Select funding source

Payments deduct from actual source cash.

Pay from

Allocation summary

Review before confirming.

Selected total$0.00

Balance after payment$0.00

Outstanding obligations

Arrears appear before current-month items.

Select	Priority	Item	Owner	Original month	Status	Outstanding	Pay now

Transfer surplus to household

Use only after business obligations are reviewed.

Add tailoring job

Revenue minus direct material, labour and job costs equals gross contribution.

Tailoring job register

Track profitability and customer balances separately from overhead.

Date	Customer	Product	Price	Direct cost	Gross profit	Received	Customer balance	Status

Add obligation

Define whether unpaid amounts become arrears, expire, or remain goal shortfalls.

Monthly close

Create next month and classify unpaid items.

The app automatically generates the next month’s obligations when you change the working month. Unpaid items follow their configured rollover rule.

Rule: debts and incurred obligations become arrears; optional spending expires; reserve and savings gaps remain visible without pretending they are creditor debt.

Budget configuration

Edit or deactivate any recurring item as the family learns.

Item	Owner	Amount	Level	Rollover	Priority	Active

Transaction history

Every confirmed movement leaves an audit trail.

Date	Type	Source	Description	Amount