Which Apps Simplify How To Adult By Tracking Budgets And Bills?

On the six-year anniversary of my relationship with my girlfriend, Sheila Loom, I buy some groceries with the intention to surprise her with a home-cooked meal. After I'm done, I head over to Sheila's place right away. That's when the reel I was watching automatically skips to the next one. It's a live stream where people call in to discuss legal matters. A familiar feminine voice drifts to my ears at that moment. "My boyfriend shelled out 500 thousand dollars to put me through school. I've already paid ten thousand back to him. "At first, I wanted to clear the debt before breaking up with him, but I don't want to wait any longer. If he insists on taking me to court after the breakup, can I still pay the debt off slowly?" Almost immediately, comments flood into the comments section, chewing her out and calling her a heartless wench. But the voice replies calmly, "If I truly were heartless, I wouldn't have paid him back to begin with. I no longer have feelings for him. Are you saying that I should sacrifice the rest of my life just so I can pay 500 thousand dollars back to him?" My heart skips a beat at that moment. It's true that I've spent 500 thousand dollars putting Sheila through school over the years. But I feel that I'm overthinking it, seeing as she's never brought up the matter of wanting to pay me back before. After I call Sheila repeatedly for half an hour, she finally answers my latest phone call. At the same time, the woman's phone call that's connected to the live stream is cut off. "It's my birthday today, Sheila—" "Have you secretly come looking for me again? Didn't we agree that we'll only meet up after you've successfully gotten into college?" I don't get to finish the rest of my sentence. Suddenly, I catch a glimpse of the notebook sitting on the corner of Sheila's table. The first page shows "debt repayment ledger". Some of the details are as shown. "The SAT study materials I bought for him: 188 dollars." "The Uber fees I've paid for him: 35 dollars." "The cologne I've gifted him on his birthday: 380 dollars." "Total: ten thousand dollars now paid."

After being reborn, the first thing I do is bind myself to a transfer system and agree to my mother's proposal that the whole family splits expenses equally. It is because in my previous life, after I refuse the transfer system, my mother throws a bill at me and demands repayment. The bill lists every expense from my childhood to adulthood. There are small things like the cost of an eraser or a pencil, as well as big ones like tuition and living costs. "The total cost of raising you is one million dollars. On top of that, the money your brother needs for his wedding, car, and house are all family matters. So, we will split them equally. Taking all those into account, you need to repay us three million dollars in total." So right after graduating, I fall into a massive debt of three million dollars. I do not finish paying it off until I am 38. Just when I try to break away from my family and look for my own happiness, my parents start a livestream and curse me for being a terrible daughter. They claim that I abandon them in our hometown while running off to a big city to chase my own freedom. As a result, I face overwhelming criticism online. I fall into depression for two years, and on my 40th birthday, I accidentally fall from a building after getting drunk. When I open my eyes again, I am back to the moment when the transfer system first appears. This time, I say firmly, "Bind me to the system."

My mom is an HR professional. She uses KPI to determine my entire life. "If you get into the top ten of your grade, you'll receive a B grade as well as a bonus of 500 dollars. If you can achieve a ranking at a state-level competition, you'll receive an A grade as well as a bonus of 1,000 dollars. Of course, if you can get into a top-tier university after scoring well in your SATs, I'll give you an S+ grade as well as a year-end bonus of ten thousand dollars!" I work my ass off in my studies and manage to earn the offer letter to a top-tier university. But that's when my mom puts a contract in front of me. "Congratulations on getting hired. From today onward, your allowances will be determined by the total of your base salary, KPI, as well as your full attendance award. "Your base salary is 500 dollars. It's to make sure that you won't starve to death, at the very least. In order to help you adapt to workplace stress in advance, I'll check on your progress randomly. If you don't meet my requirements, I'll deduct your salary." When I'm down with a fever of 104 degrees Fahrenheit, my mom deducts my full attendance award, claiming that my physical attributes aren't up to par. In order to catch up on my studies, I've completely forgotten to submit my weekly report to my mom. Because of that, she suspends my allowances. So, I have to sell my blood to a hospital behind her back just so I can survive. At the end of the school term, I show my mom my grades as well as the certificate to my scholarship, thinking that I'll be eligible for the highest KPI and the bonus. But that's when my mom tells me coldly, "The company has decided to give your S+ bonus to your younger brother as a form of investment. After all, he has more potential to achieve better results compared to you." As I gaze down at the 200-dollar consolation prize, I can't help but laugh. It turns out that I'm not even worthy of being recognized as a good employee in my mom's company.

In order to stop me from spending money recklessly, my mom has exchanged my college living expenses into coupons. If I need to buy anything, I must buy it online. Also, I need to send a copy of my expenses sheet and the details behind said expenses to my mom so that she can check everything thoroughly. Only when she's given me her permission can I buy that item. When I tell my mom I want to buy a shirt, she tells me, "I remember you could still wear that shirt back in your high school days. You should just stick with it. Why waste your money on new clothes?" During winter, I can only wear the old sweater I've been wearing since my high school times while huddling in a corner of my dorm and nibbling on a sandwich. Meanwhile, my mom smugly posts a picture of the six-thousand-dollar dress she has just bought on her social media feed. "What a beautiful dress!"

After I switched from a private company to a foreign enterprise, my salary rose accordingly. My husband, who was always frugal, suggested that I hand over my entire salary to him. He claimed it would be used for daily household expenses. Watching him calculate the numbers, I asked, “What about your salary?” He said casually, “I’m saving it for our retirement.” I said nothing and followed his instructions. I spent my entire salary within a month. My husband finally felt uneasy when he saw how many packages kept showing up at our home. Seeing his doubts, I happily said, “You’re the one who said to use my whole salary for household expenses.” He exclaimed, “What are we, the Rockefellers?! How can one month cost this much?” That was funny. It turned out that he knew that a normal family’s expenses would never take my entire salary.

On the third day after our divorce was finalized, my ex-wife, Georgie Anderson, sent me a text message. [Why haven’t you transferred your salary from this month to me?] I thought she was joking. [We’re already divorced.] [So? What does it matter if we’re divorced? You should transfer nineteen thousand dollars from your twenty-thousand-dollar income, just like you did before. The remaining one thousand dollars will be your pocket money. When you were unemployed, I was the one who took care of you. Now that we’re divorced, you’re turning your back on me?] I stared at her text messages and fell silent for a really long time. Throughout our three-year marriage, I gave her nineteen thousand dollars out of my twenty-thousand-dollar salary. She was responsible for "budgeting" our household expenses. However, she spent my money on her civil service exam, afternoon teas with her besties, and even on her study partner, whom I’d never met. As for me, I handled all the house chores—cooking dinner, mopping the floors and doing the laundry. But when I took a little time after work to game, she would yell at me for being lazy. She was demanding money from me even after we were divorced. Her reason was that I might spend the money without thinking. I blocked her number. Three seconds later, she sent me a text message from another phone number. [You’ll regret this. I’m trying to help you one last time.] I laughed. ‘Helping me?’ I thought. Nobody had ever helped me in the past three years.